Interest-Bearing CreditInterest-Bearing Credit

Simple, straightforward, low-cost credit - incredible value low 14.9% APR

You can buy today and pay for your AV equipment later at Richer Sounds via Creation Consumer Finance Limited, subject to application, financial circumstances and borrowing history, 14.9% APR representative.

There’s no deposit required, and you can spread the cost over 12, 18, 24, 36 or 48 months on purchases from £250 to £25,000.

Start paying for your goods from the first month and pay the same amount every month with a standard interest rate charge.

You can choose to make additional payments or pay off your balance at any time.

Term 12 month 18 month 24 month 36 month 48 month
APR 14.9% 14.9% 14.9% 14.9% 14.9%
Total cash price £1000.00 £1000.00 £1000.00 £1000.00 £1000.00
Deposit £0.00 £0.00 £0.00 £0.00 £0.00
Credit amount £1000.00 £1000.00 £1000.00 £1000.00 £1000.00
Charge for credit £77.24 £114.20 £151.76 £229.76 £310.88
Balance to be paid £1077.24 £1114.20 £1151.76 £1229.76 £1310.88
Total amount payable £1077.24 £1114.20 £1151.76 £1229.76 £1310.88
Instalment amount £89.77 £61.90 £47.99 £34.16 £27.31
  • The approval of your application depends on your financial circumstances and borrowing history.
  • You can choose to settle the agreement early. A settlement fee of one month’s interest will apply.
  • Payments will start one month after delivery.
  • Your credit rating may be at risk if you do not keep up with repayments.

Getting started

Step 1 - Make a shopping list
Browse our massive range online. Your local store or our Telesales department can help with any product questions. If the total's over £250, you can apply for Interest Bearing Credit.

Step 2 - Call us today
Get in touch with us, either via the Telesales team on 0333 900 0093 or your local store, and we can set you up and arrange delivery or collection.

Step 3 - Enjoy your new kit
With no deposit required but you can opt to pay an initial amount if you wish.

Step 4 - Spread the cost
Choose the repayment period to suit your needs, 12, 18, 24, 36 or 48 monthly payments.

Application Criteria – Subject to Status
Interest-Bearing Credit is available online or via Telesales and your local store.

Eligibility criteria

  • Minimum age of 18 at the date of application
  • Maximum age 85 (at the end of the agreement), unless the term is no more than 12 months (in which case there is no maximum age limit)
  • UK residence for the last three years minimum
  • Provide a mobile telephone number
  • Have a valid email address
  • Have a bank account which supports Direct Debit

Employment status

Full-Time Employment (16hrs+ per/wk) | Part-Time Employment (up to 16hrs per week) | Self Employed | Retired | In receipt of Disability Allowance | Homemaker

  • Have an individual gross income of £10,000 or more (or joint income if married / living with partner / in a civil partnership)

Required forms of ID

  • Current UK Driving Licence - Full or Provisional
  • Current Passport - UK or International
  • Current Electricity Bill (The invoice must be dated within the last 3 months).
  To arrange Interest-Bearing Credit on purchases to be delivered to your home or business, please call your local store.
Please note: items purchased on a finance agreement over the phone must be delivered to the address where the finance application is agreed to.
Please note: items purchased on a finance agreement over the phone must be delivered to the address where the finance application is agreed to.

For full details of Creation Consumer Finance Limited's privacy policy, see here.