0% APR Finance Available At PMT

When you're looking at an item costing £250 or more on our website, you'll notice a 'Finance From.....' message. When you click the small Question Mark button, a Loan Calculator will appear. On the Loan Calculator, you can tailor an upfront deposit payment that suits you. You can see how the monthly repayments will change depending on the amount of deposit you want to place (a minimum of 10% deposit is required when Paying By Finance).

You can also choose how long you want to take to pay back the cost of the item in the drop-down box. We offer:

• Interest-Free Finance - 0.00% APR 6 Months-£499.00 Minimum Value. This is the loan value minimum so products will need to be £548.90 minimum as this includes the 10% deposit.
• Interest-Free Finance - 0.00% APR 10 Months-£1,499.00 Minimum Value. This is the loan value minimum so products will need to be £1648.90 minimum as this includes the 10% deposit.
• Interest-Free Finance - 0.00% APR 12 Months-£1,499.00 Minimum Value. This is the loan value minimum so products will need to be £1648.90 minimum as this includes the 10% deposit.
• Classic Credit - 19.90% APR 12 Months-£299.00 Minimum Value. This is the loan value minimum so products will need to be £328.90 minimum as this includes the 10% deposit.
• Classic Credit - 19.90% APR 24 Months-£299.00 Minimum Value. This is the loan value minimum so products will need to be £328.90 minimum as this includes the 10% deposit.
• Classic Credit - 19.90% APR 36 Months-£299.00 Minimum Value. This is the loan value minimum so products will need to be £328.90 minimum as this includes the 10% deposit.
• Buy Now Pay Later 6/42 - 19.90% APR 6 + 42 Months, £250.00 Minimum Value
• PayPal Credit - 4 Months. 0% APR Interest - minimum spend £150 (users must be selected by PayPal)
• PayPal Credit - Standard Variable Rate 17.9% APR - minimum spend £150
• Klarna - Pay in 3 months with no interest or fees

Further finance options available at your local PMT Music Store. Call your Local Branch or Pop-In for Expert Advice.

Klarna uses soft searches with credit reference agencies. These do not affect your credit rating, but missed payments can affect your ability to use Klarna in the future.

INTEREST-FREE FINANCE

Interest-free finance is available on thousands of products priced between £499 and £15,000 at PMT Online and in all PMT Stores.

As well as our 6-month option above, we also offer Extended Interest Free Options for some of our most popular brands during selected promotional periods.

For more information and to find out about our Online Finance Options, please call our Sales team on 0151 448 2089.

Only available to UK residents over 18, subject to status. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.

Applying for finance at PMT Online couldn't be easier. These are the steps you will need to take:

• Add items to Shopping Bag - Add your chosen item to the shopping bag.
• Proceed to checkout - Proceed to the checkout and fill in your details.
• Apply for Finance - Click 'Apply for Finance' in the Payment Information part of the checkout.
• Complete a credit application - You will then be redirected to a secure form to complete, sign and submit a credit application.
• Credit decision - The lender will then perform a credit check and various other processes culminating in a decision on whether or not to loan.
• Pay your deposit - If your credit application is accepted, pay your deposit using a credit or debit card. Upon receipt of this card payment, the credit agreement comes into force.
• Sign your Credit Agreement - You will receive an email from V12 to verify your finance option with a digital signature.
• Success! - Once you've signed the credit agreement, you will be informed the application process is complete and redirected back to PMT Online. We'll then be authorised to proceed with your order.
• Settlement - Credit applications are valid for 90 days from acceptance. After delivery, the credit application is added to a settlement file, which is sent to the lender at the end of each working day. Your first repayment will be collected approximately 30 days after you have been settled.

Klarna - Pay in 3 instalments and split your purchase into three equal payments so you can spread the cost of your purchase over time.

• 1. Enter the credit or debit card details of your choice and make automatic payments every 30 days.
• 2. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.
• 3. No interest or fees. No impact to your credit score.

For information regarding our Klarna finance offering, please click here.

Klarna uses soft searches with credit reference agencies. These do not affect your credit rating, but missed payments can affect your ability to use Klarna in the future.

Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Missed payments may affect your ability to use Klarna in the future. 18+, UK residents only. Subject to status. T&Cs apply.

Spread The Cost To Suit Your Needs - The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.

• If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.
• If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
• Only available to UK residents over 18, subject to terms and conditions, minimum spend applies. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.