Thinking of choosing finance?

KMR Audio Finance
Novuna Finance

Spread the Cost of Your Purchase

We offer several ways to spread the cost of your equipment over months or years. Immediate online finance services are provided by Novuna Finance, offering:

  • Up to 12 months deferred credit without interest
  • Up to 48 months standard interest-bearing credit
  • On selected products, up to 36 months interest-free credit

How It Works

Choose Novuna Finance at checkout. Complete the application form in minutes and receive an instant response. Easy!

Novuna Finance Information

Shop Now to take advantage of our finance options.

Klarna Finance

How It Works

Add your items to the basket and choose "Klarna - Flexible Payments" at checkout. After clicking "Pay now," you’ll be redirected to Klarna Flexible Payments to complete your purchase securely.

How to Use Klarna

Note: Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Late payments can negatively impact your credit. Learn more about Klarna terms.

Are You Eligible for Finance?

You will be eligible for finance if you:

  • Are at least 18 years old
  • Have a regular income (minimum 16 hours/week or £5,000 per annum)
  • Are a permanent UK resident for at least 3 years
  • Have a UK bank account capable of accepting Direct Debits
  • Have a good credit history
  • Provide a valid email address for documentation

What Type of Finance Do You Need?

Explore our options:

Spread Payments Buy Now Pay Later Business Finance

Option #1 - Regular Monthly Repayments

We offer a range of interest-free and interest-bearing finance options. Loan values must exceed £1,000, with a minimum deposit of 10%.

0% Finance (6 months) 9.9% Finance (12 months)
  • Total order: £1,000
  • Deposit: £100
  • Duration: 6 months
  • Representative APR: 0%
  • Monthly Payments: £150
  • Total Amount: £1,000
  • Total order: £1,000
  • Deposit: £100
  • Duration: 12 months
  • Representative APR: 9.9%
  • Monthly Payments: £82.43
  • Total Amount: £1,089.10

Option #2 - Pay Nothing Now and Repay After 6 Months

All products are available for deferred credit plans offered by Novuna. This allows you to:

  • Pay the full amount within 9 months without interest (plus a £29 settlement fee)
  • Spread the cost over 48 months with the first payment deferred for 9 months

Representative Example

  • Cash price: £1,000
  • Deposit: £100
  • Loan amount: £900
  • APR: 16.9%
  • Interest rate: 21.37% (fixed)
  • 48 monthly repayments of £31.43
  • Total charge for credit: £608.40
  • Total payable: £1,508.40
  • If settled within 9 months: £929 (including £29 settlement fee)

Read the FAQ for more info

Credit is subject to status and affordability. Terms and conditions apply. KMR Audio is a credit broker and is authorised and regulated by the Financial Conduct Authority.

Option #3 - Business Leasing

Business Leasing

If you are a business looking to purchase new equipment for a studio upgrade or installation, we can connect you with asset and lease purchase lenders. Contact us for more details.

Subject to credit underwriting.

The Legal Bit

KMR Audio Ltd is registered and licensed with the FCA to offer third-party credit products. Our FCA FRN is 736635. Eligibility and conditions apply. KMR Audio Ltd acts as a credit intermediary and only offers credit products from Novuna.

Novuna

Novuna (UK) PLC is authorised and regulated by the Financial Conduct Authority. Registered in Cardiff no. 1630491.

Registered office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

Terms and conditions apply. Loans are available to permanent UK residents aged 18 and over, subject to status.

Finance FAQ

How Do I Choose to Pay by Finance?

Select the finance option at checkout or inform the sales consultant if you're purchasing in-store.

Who is Eligible to Apply for Online Finance?

To apply, you must:

  • Be over 18 years old
  • Work at least 16 hours a week or be retired with income
  • Be a UK resident for at least 12 months
  • Provide accurate employment or spousal details (if homemaker)

When Do My Repayments Start?

Repayments begin one month after your purchase is delivered.

Are There Any Arrangement Fees or Hidden Extras?

No. There are no arrangement fees or hidden costs.

Applying for Online Finance

Simply add your purchase to the basket, select "PaybyFinance," and complete the online application form. Once approved, you’ll receive instructions to e-sign or mail the agreement. Your goods will be dispatched upon receipt of the agreement.

What Happens After My Application Is Approved?

You will be presented with your credit agreement for review and signature. Once signed, KMR Audio will be notified, and your goods will be shipped. In rare cases, manual assessment may be required, with decisions provided within 24 hours.

Will My Credit Be Scored?

Yes, credit scoring evaluates your risk based on the information provided. This ensures fair and consistent decision-making.

If My Application Is Declined, Why?

Applications may be declined due to credit history, affordability, or inconsistencies in provided information. Contact the lender for details.

What Information Do Credit Agencies Hold About Me?

Agencies hold public information (e.g., electoral roll, judgments) and account details like payment history. You can request a copy for £2 from agencies like Experian or Equifax.

Can I Reapply?

Yes, but we recommend waiting at least 6 months between applications.

Can I Request Delivery to a Different Address?

No, for security reasons, goods are delivered to the applicant’s home address.

Credit subject to status and affordability. Terms & Conditions Apply.

Credit is provided by Novuna Personal Finance, a division of Novuna (UK) PLC Authorised and Regulated by the Financial Conduct Authority.