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Finance on Hi-Fi and Headphones

0% Finance

We offer 0% finance (interest free credit), allowing you to spread the cost of your new hi-fi, speakers, headphones or home cinema purchase rather than paying in full upfront. We also offer interest bearing finance over longer periods, buy now pay later options, and more recently Paypal finance on lower value orders. All options are summarised below:


Paypal Finance

Paypal finance is available on orders over £99 and can be spread over 4 months. This is a no deposit option, ideal for lower value orders. If you checkout and select "Paypal" the option for Paypal Credit should show in Paypal if you are eligible.


Novuna Finance (0%)

0% finance with Novuna (part of Hitachi) is available on orders over £500 and is a fixed term loan agreement allowing you to spread payments over a 6~24 month term. You can choose to pay an upfront deposit between 10% and 50%, which in turn will adjust the value of monthly repayments. The terms available for interest-free 0% finance are as follows. 


All options available on orders £500+
- 06 Months (0% APR)
- 10 Months (0% APR)
- 12 Months (0% APR)
- 18 Months (0% APR)
- 24 Months (0% APR)


Representative example - on an order total of £899 over 12 months: following a 10% deposit of £89.90, the loan balance is £809.10. 12 monthly payments are due of £67.43 each at 0% APR. Total amount payable is £999 (inc deposit) with £0 interest.


Novuna Finance (Interest Bearing)

We also offer interest bearing finance over longer periods. The following terms are available:


All options available on orders £500+
- 36 months (12.9% APR)
- 48 months (14.9% APR)


Representative example - on an order total of £899 over 36 months: following a 10% deposit of £89.90, the loan balance is £809.10. 36 monthly payments are due of £26.94 each at 0% APR. Total amount payable is £1060.03 (inc deposit) with £161.03 interest.


Novuna Finance (Buy Now Pay Later)

We also offer buy now pay later options. interest bearing finance over longer periods. The following terms are available:


All options available on orders £500+
- 06 months (0% if paid on time, otherwise 14.9% APR)
- 09 months (0% if paid on time, otherwise 14.9% APR)
- 12 months (0% if paid on time, otherwise 14.9% APR)


Representative example - on an order total of £899 over 12 months: following a 10% deposit of £89.90, the loan balance is £809.10. Providing full payment is made within 12 months (the interest free period), there is no interest to pay (£29 exit fee is payable). If the loan balance is not paid on time within 12 months, you will be charged interest from the beginning of the agreement until the balance is paid. At the end of the 12 months, 48 monthly payments are due of £25.10 each at 14.9% APR representative. Total amount payable is £1294.70 over total term of 60 months, including interest (charge for credit) of £395.70.


Finance Champions

We've collected some of the most popular items we sell on 0% finance - click here to view our finance champions - although please bear in mind finance is available on all orders over £500


Order on finance online

We were one of the first hi-fi retailers to offer 0% finance online. Applying is an easy process. Simply order as usual (if you are unfamiliar with online ordering please 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. The maximum loan amount with Novuna is £25k. You can order any single item or combination of items (hi-fi separates, speakers, headphones, home cinema, etc) on 0% finance, providing your order is over £500.



Order on finance by phone/e-mail

Call us on 0121 224 7300 / 7401 to apply for 0% finance by phone or if you have any other questions. Alternatively, click here to e-mail us asking for a call back. Feel free to include in the e-mail the list of items you'd like to order on 0% finance to save listing these when we call you back.  We'll always aim to call back by the end of the day (when your e-mail is received during working hours), if not sooner. If we arrange a package/total which isn't on the website we can then send you the finance link by email to apply.


Order on finance in person

Visiting customers can also apply for finance in our showroom. If you prefer to listen before you buy or just happen to be in the area, please feel free to pop into see us (3 Gibb Street, B9 4BF) and we'll be happy to help.


How can I view finance options?

You can view finance options on each product page and adjust the deposit to change monthly payments. Simply click "MORE INFO" on the box under the product photo.


Link on product page


On any item over £500, when you click the "More Info" link under the product photos, it will load the finance calculator showing you repayment examples to review before you checkout:


Finance calculator

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 0121 224 7300 / 7401 and speak to us 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!

Do I qualify?

In order to apply, you must be:


1) At least 18 years old
2) A permanent UK resident (minimum of 12 months)
3) Either in:
a. Regular Employment (16 hours per week)
b. Self employed with proof
c. Retired from regular employment
d. Receiving invalidity disability or mobility allowance
e. House person living with their spouse who is employed
3b) The following are not classed as being permanent paid employment and so would not be eligible for finance:
a. Temporary or Agency workers.
b. Anyone whose main occupation is looking after someone else's children and is not
c. Part of an OFSTED registered business (e.g.grandparent, friend, neighbour).
d. Foster carers with no other permanent paid employment.
e. Students unless they are student nurses or student doctors.
f. Supply teachers unless they have a fixed term contract with a specific named school.
4 Be able to provide acceptable proof of address and proof of signature;
5 Make payments by direct debit
6 Be purchasing the Product for personal not business use.
We can not offer finance if you are unemployed.


Your application will be assessed based on eligibility, credit history and affordability and Novuna will let you know the outcome in just a few seconds. A "hard" credit check is made which is recorded on your credit file. Once approved, Novuna will let you know who the lender is and provide you with their contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive. We were previously with Klarna but now work principally with Novuna.


In some cases, your application may be referred to the lender for manual assessment and you'll be notified by email of the decision within 24 hours. If you're not approved for finance it could be for a variety of reasons and the lender will be able to give you more information. Your first direct debit payment will be taken around a month after you receive your order. This will show on your statement as a payment to the lender. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling off period during which you can withdraw from the credit agreement. If you wish to cancel, please contact us, we will cancel the application, arrange for return of the goods, the lender will refund your deposit and let you know of any outstanding balance if applicable.


Delivery of orders on finance

Please note any order on finance is shipped on a special service via DPD that will require a PIN code on delivery. On the day the delivery is due, the PIN code will be sent to you via e-mail or Viber/SMS message. This PIN code can be distributed to an authorised person (family member or friend) so they can receive the delivery, but please only share this with someone you trust to accept the delivery safely.


The Legal Bit

Alexander Michael LTD (T/A Audio Affair) is authorised and regulated by the Financial Conduct Authority (FCA), FCA register number #703534. We can only offer finance on new and some ex demo items (but not on used items taken in part exchange from customers).

Finance is provided via Novuna, a trading style of Mitsubishi HC Capital UK PLC 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. To read more, please visit


Contact Details

Customer Services Landline
0121 224 7350/7351

Sales Landline
0121 224 7300/7401

Sales WhatsApp
07706 203859

As Featured/Seen In

The Telegraph
Gadget Show
BBC Midlands Today
Birmingham Mail
Hi-Fi Choice Magazine

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