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0% Finance

Interest Free Credit


We offer 0% finance on orders over £500 with several deposit options (10%, 20%, 30%, 40% or 50% deposit). Applying for 0% finance with audio affair only takes a minute and approvals are processed within seconds.

0% finance is available over 6 months (orders over £500), over 12 months (orders over £1000), over 24 months (orders over £2500), or over 36 months (orders over £5000) after your initial deposit, which can be as low as 10%. Finance is a fixed term loan agreement and allows you to spread the remaining cost (after the deposit) over 6, 12, 24 or 36 months.

Order on finance over the phone

Call us on 0844 50 403 50 (press 1 for sales) and ask for Richard or John to apply for 0% finance by phone. Or if you prefer, we can call you back. Alternatively, click here to e-mail us a list of the items you want to order on 0% finance along with your contact number and we'll call you back as soon as possible (usually before the end of the day during working hours, but often much sooner).

Order on finance online

We were one of the first hi-fi retailers to offer 0% finance online. Applying online is an easy process. Simply order as usual (if you are unfamiliar with online ordering, read our FAQ), and at checkout, if your order is £500 or over, the finance option will show. Select "Finance" and you will be diverted to the finance application which only takes a moment to complete.


Representative Example

On an item costing £1000, you would pay an initial 10% deposit of £100 followed by 12 monthly payments of £75 (the remaining £900 divided by 12). Alternatively, on an item costing £2500, you would pay an initial 10% deposit of £250 followed by 24 monthly payments of £93.75 (the remaining £2250 divided by 24).


You can view representative examples on each product page and adjust the deposit to change the repayments. Simply click "MORE DETAILS" wherever you see the graphic below...


Do I qualify?

In order to apply, you must be:

1) At least 18 years of age.
2) A permanent UK resident for the last 3 years.
3) Either in:
a. Regular Employment (16 hours per week)
b. Self employeed with proof
c. Retired from regular employment
d. Receiving invalidity disibility or mobility allowance
e. House person living with their spouse who is employed

We can not offer finance if you are unemployed or a student. 

*We can only offer finance on new equipment and some ex demo equipment (we cannot offer finance on used items we have taken as customer trade ins, screens, projectors or Sonos).

Finance is offered through Pay4Later. Audio Affair are licensed credit brokers #613316.

Flexible Finance Options

If you prefer a different length of repayments than the examples offered above or have a certain monthly repayment figure in mind, we can offer a highly competitive finance package based around your individual requirements. Call Richard on 0121 224 7401 or John on 0121 224 7300 to discuss a flexible finance package. If you're reading this outside of our normal business hours, please send us a message (remember to list the items you want to order, the monthly repayments you want to make and your contact details) and we'll come back to you!


Finance Champions

Here are a selection of some popular items on 0% finance (view all popular items on finance)

  • Focal Elear

    Focal JM Labs

  • Cyrus One

    Cyrus Audio

  • Linn Majik LP12


  • Focal Sopra 2

    Focal JM Labs

  • KEF Blade 2

    KEF Speakers

  • Naim Uniti Nova

    Naim Audio

  • Primare I35


  • ProAc Response D20R

    ProAc Speakers

  • Sennheiser HD800S and HDV820

    Sennheiser Headphones