Finance options
Spread the cost of your purchase. We offer three finance routes — 0% interest-free instalments with Novuna on orders over £250, Klarna's Pay in 3 or Pay in 30 for smaller orders, and PayPal Credit for transactions over £99.
Novuna Finance
3 – 10 month interest-free plans
- Orders over £250, up to £25,000
- 3, 6 or 10 months at 0% APR
- 10% – 50% deposit, you choose
Klarna Finance
Pay in 3 · Pay in 30 days
- Orders under £1,500
- Pay in 3 interest-free instalments
- Or pay in full within 30 days
PayPal Credit
0% for 4 months on £99+
- Single transactions of £99.00 or more
- 0% interest for 4 months
- Subject to PayPal Credit eligibility
Novuna Finance Info
Novuna – 0% Finance
Novuna offers 0% finance on orders over £250 through a fixed-term loan agreement, allowing you to spread payments over 3 to 10 months. You can make an upfront deposit of 10% to 50%, which will adjust your monthly repayment amount accordingly.
The available interest-free finance terms are:
- 3 months (0% APR)
- 6 months (0% APR)
- 10 months (0% APR)
How to order
Online Orders
To purchase using Novuna Financing, you’ll need to apply online. Simply proceed with your order as usual, and at checkout, select the Finance option. Choose Novuna Finance, and you’ll be redirected to a quick finance application. The maximum loan amount with Novuna is £25,000. You can order any single item or combination of items on finance, providing your order is over £500.
Steps to order online with finance:
- Select your items
- Proceed to checkout
- Enter your details
- Choose Finance as your payment method
- Complete the online application
- Await confirmation
- Pay the required deposit
- Order successfully placed
Ordering via Email or In-Person:
To arrange finance via email or in person, simply request this option from one of our sales representatives. We’ll send you a customised link via email, where you can complete the finance application online at your convenience.
Eligibility criteria
To apply for finance, you must meet the following criteria:
1. Age & Residency
- Be at least 18 years old
- Be a permanent UK resident for at least 12 months
2. Employment Status (Must meet one of the following conditions)
- In regular employment (minimum 16 hours per week)
- Self-employed with proof of income
- Retired from regular employment
- Receiving invalidity, disability, or mobility allowance
- A house person living with an employed spouse
3. Non-Eligible Occupations
The following do not qualify as permanent paid employment and are not eligible for finance:
- Temporary or agency workers
- Individuals caring for someone else’s children (unless part of an OFSTED-registered business)
- Foster carers with no other permanent employment
- Students, except for student nurses or student doctors
- Supply teachers unless on a fixed-term contract with a named school
- Unemployed individuals
4. Additional Requirements
- Provide proof of address and proof of signature
- Make payments via direct debit
- Use the finance for personal purchases only (not for business use)
Your application will be assessed based on eligibility, credit history, and affordability, with Novuna providing a decision within seconds. A “hard” credit check will be conducted, which will be recorded on your credit file. If approved, Novuna will inform you of the lender’s details and provide their contact information. You will then need to digitally sign your credit agreement, pay your deposit, and await the arrival of your order. While we previously partnered with Klarna, we now primarily work with Novuna.
In some cases, applications may require manual assessment by the lender, and you will be notified via email of the decision within 24 hours. If your application is declined, the lender can provide more details on the reason for the decision. Your first direct debit payment will be taken approximately one month after receiving your order and will appear on your statement as a payment to the lender. You also have the option to repay the loan in full or in part at any time.
There is a 14-day cooling-off period during which you can withdraw from the credit agreement. If you choose to cancel, please contact us, and we will arrange for the application to be canceled, the goods to be returned, and your deposit to be refunded. The lender will inform you of any outstanding balance if applicable.
Broker disclosure
Credit subject to status and affordability. Terms & Conditions Apply. Premium Sound Limited trading as Premium Sound is not a lender. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC (trading as Novuna Finance) authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348.Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491
Complaints
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;
| Phone | 020 3952 0950 |
| [email protected] | |
| Address | Premium Sound, 12 Abingdon Road, London, W8 6AF, United Kingdom |
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can’t reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- E-mail: [email protected]
Further details can be found on the Financial Ombudsman Service website: www.financial-ombudsman.org.uk
Finance FAQ
Just select the finance option on the checkout page.
To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.
Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start 12 months after the agreement has been signed
No. There are no arrangement fees or hidden extras.
Applying for online finance couldn’t be easier or more convenient. When you buy online from Premium Sound Limited trading as Premium Sound you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If you your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.
Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement Premium Sound Limited trading as Premium Sound will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:
- Your credit score (please note that every finance company will score you differently)
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
- Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
- Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
- TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
- InfactSystems Limited, 2-7 Clerkenwell Green, London, EC1R 0DE
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant.
The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.
Klarna info
We offer a financing option for purchases under £1,500 in partnership with Klarna. Klarna is a payment service provider that takes end-to-end responsibility for your payment. Select ‘Klarna’ at the checkout and follow the steps to complete the payment.
At present financing is not available for purchases over £1,500.
Klarna’s Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply https://www.klarna.com/uk/terms-and-conditions/
Klarna payment options
Customers have the option to choose between two payment methods with Klarna: Pay in 3 instalments or Pay in full within 30 days.
Pay in 3 instalments
Paying later in 3 interest-free instalments is a credit option that enables you to evenly distribute the cost of your purchase over three payments. These instalments will be automatically debited from the debit or credit card you provided during checkout. The first payment is collected immediately, followed by the second and third payments scheduled for 30 and 60 days later, respectively. You can conveniently track your payment schedule using the Klarna app.
Pay in full in 30 days
Paying later within 30 days is another credit option that allows you to delay payment for your purchase by a month. You will receive an email with payment instructions from Klarna within two days, and then you’ll have a 30-day window to complete the payment online, at your convenience, without any additional charges. Payment can be made using a credit or debit card through the Klarna app.
Please note that Premium Sound serves as an introducer and not as a provider of unregulated credit products exclusively offered by Klarna Bank AB (publ). Credit is available only to permanent UK residents aged 18 and above, subject to approval and the terms and conditions in place. It’s important to be aware that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Remember to borrow responsibly, as borrowing more than you can afford may have a significant impact on your financial status. Ensure that you can comfortably meet your monthly repayment obligations on time.
PayPal Credit info
We offer financing options for online purchases through PayPal Credit. To use this option, select PayPal as your payment method at checkout, then choose PayPal Credit—subject to eligibility.
How does the 0% for 4 months offer work?
For customers with PayPal Credit, 0% interest for 4 months is available on single transactions of £99.00 or more. This means when you spend more than £99.00 in one shopping basket, you’ll benefit from the offer and won’t be charged any interest on that transaction for 4 months after purchase. This applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another promotional offer (such as an instalment offer) applies. You can use this offer as many times as you like as long as you have an available credit limit.
While no interest is charged, any balance subject to a 0% for 4 months offer will be included in the calculation of your minimum repayment amount. Any remaining balance due after the 4-month promotional period will be charged at your standard variable rate. If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer.
For more information please visit PayPal Credit page.
