Buy Now Pay Later

We are pleased to offer Red Dog Music customers a Buy Now Pay Later facility through Hitachi Personal Finance

This means that you can order the goods you want today and not worry about paying anything for up to 12 months from the date of purchase (known as the “deferment period”). Pay in full by the end of the deferment period and you will pay only a £29 settlement fee. Alternatively, if you decide not to pay in full during the deferment period, you will automatically revert to an interest bearing option, at typical 29.8% APR, spread over 48 monthly payments.

Complete control, even if your circumstances change

The facility can be arranged over the phone within a few minutes or, should you prefer, we can email you with a secure link to complete the finance application at your convenience. Once approved, simply digitally sign the finance agreement and we will contact you to confirm delivery or collection arrangements.

Buy Now Pay Later on music gear: 3 easy steps

  • Select the product(s) you wish to purchase;
  • Email, call or visit us to apply for credit and pay a deposit;
  • Pay the balance back to the finance company whenever you like within the deferment period.

Representative Example

  • Cash Price: £1,100
  • Deposit: £0
  • Loan Amount: £1,100
  • APR representative: 29.8%
  • Interest rate: 29.8% fixed
  • 48 monthly repayments of £47.40
  • Total term of loan agreement: 60 months, with the first payment deferred for 12 months
  • Total Charge for Credit: £1,175.20
  • Total Amount Payable: £2,275.20
  • Early settlement charge within the deferral period: £29.00

To qualify for this scheme you must be able to meet the following criteria:

  • Be older than 18.
  • Have been a UK resident for at least 3 years.
  • Be in full time or part-time employment (working a minimum of 16 hours a week), or self-employed, or retired and over 50 years of age, or in receipt of invalidity or disability allowance.
  • Be able to make payments by direct debit.
  • Have a total order balance of at least £200 after any deposit.

Please note:

  • We cannot ship a finance order to a different delivery address. All finance orders must be delivered to the billing address.
  • Credit is subject to status.
  • As the credit process is managed by Hitachi Personal Finance, we are unable to enter into any correspondence regarding your eligibility.
  • To apply for credit, a credit check on you will need to be run.

For more information on our Buy Now, Pay Later finance scheme, please visit one of our stores or contact us.

Credit subject to status and affordability. Terms & Conditions Apply. Red Dog Music are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

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

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