Buy Now Pay-Later

Spread the cost of your new system or TV

Via Creation Consumer Finance Limited, you can buy today and pay for your goods later at Richer Sounds, subject to application, financial circumstances and borrowing history, 19.9% APR representative. For purchases over £1000 pay the balance in 6 months. If you pay the full balance before the end of 6 months there is no interest to pay whatsoever.

We will advertise these promotional periods in-store and on our website when applicable.

If you settle part of your loan in the deferral period you won’t pay interest on that part. You can still pay off the loan sooner if you make additional payments.

If you’d rather spread the cost over 36 months, you can set up a loan repayment plan when the payment-free period comes to an end at 19.9% APR representative.

  • The approval of your application depends on your financial circumstances and borrowing history.
  • If you settle part of your loan in the deferral period, you won’t pay interest on that part. You can still pay off the loan sooner if you make additional payments.
  • If you do not repay the loan in full in the deferment period, you will then make regular monthly repayments, including interest, which is charged for the full loan period, including the ‘buy now, pay later' deferral period.

Getting started

Step 1 - Make a shopping list
Browse our massive range online. Your local store or our Telesales department can help out with any product questions. If the total's over £100 you can apply for Buy Now Pay Later.

Step 2 - Apply online or call us today
For online orders apply via the checkout. Alternatively contact 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
Pay for your new purchase before the end of the payment-free period and there'll be no interest.

Step 4 - Spread the cost
If you'd rather spread the cost even further you can set up a loan repayment plan when the payment-free period comes to an end.

Application Criteria
Buy Now Pay Later is available online, 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.

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).


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).
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.

!