0% Finance Available

Why not leave it in the bank and use our...


Interest Free Credit - Available from £1000

20% Deposit to be paid by Credit or Debit card at checkout

Selected Items over £1000 are available with 12 Months Interest Free

Selected Items over £2000 are available with up to 24 Months Interest Free

Representative Example...

Cash Price £1200, deposit of £240, total amount of credit £960, interest rate 0% fixed, pay £80 per month for 12 months, 0% APR representative, total amount payable £1200

N.B Should any application be unsuccessful the deposit paid will of course be refunded.

 

Buy Now Pay Later - Available from £250

10% Deposit to be paid by Credit or Debit card at checkout

If by the deferred First Payment Date you have paid to Hitachi Capital the Amount of Credit in Full, you will not have to pay any interest but you will have to pay an administration fee of £29. If the agreement is not settled within the 12 month deferral period, interest will be applied from the date of the agreement and the balance due will be paid over a term of 48 monthly Direct Debit installments.

Representative Example...

Cash price of goods £1000, deposit of £100, and nothing to pay for 12 months, then either settle the balance of £900 in 12 months time or pay £38.78 per month for 48 months, total charge for credit £961.44, 29.8% APR representative.

 

Interest Bearing Finance Options - Available from £250

10% Deposit to be paid by Credit or Debit card at checkout

Spread the cost with our interest bearing finance option which is also available online and in-store.

Our simple finance options allow you to spread the cost of your purchase over either 2 or 4 years with fixed monthly payments and an APR of 19.9%.

24 months interest bearing finance on orders of £250 and above

48 months interest bearing finance on orders of £250 and above

Representative Example...

Cash price of goods £1000, deposit of £100, Loan amount £900, 19.9% APR representative, Interest rate 10.44% (fixed), 48 monthly repayments of £26.58

Total term of loan agreement - 48 months (4 years)

Total charge for credit - £375.84

Total amount payable - £1,375.84

 

In Store Credit & Collect

All you need are 3 forms of ID, such as drivers licence, Passport etc. and recent utility bill for fast same day approval. All of the above finance options are also available in store.

 

Terms & Conditions

The finance agreement is with Hitachi Capital Consumer Finance. The credit advertised is provided by one credit provider with whom we have a commercial relationship. Authorised and regulated by the Financial Conduct Authority

 Orders can ONLY be dispatched to your home address (the one used for the agreement)

 Finance is not available for business customers.

 We reserve the right to change or remove any promotion at any time.

NOTE - FINANCE IS ONLY APPLICABLE TO UK RESIDENTS FOR A MINIMUM OF 12 MONTHS

When you buy online from Vickers Hi-Fi you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Vickers Hi-Fi are licensed credit brokers
Credit is subject to status and written quotations are available on request. The credit advertised is provided by one credit provider with whom we have a commercial relationship.

Applying for online finance
Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Your questions answered
Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Vickers Hi-Fi will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?
 In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ


The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

Can I request delivery to an address other than my home?
In order to safeguard against fraudulent finance applications, we regret that for Pay By Finance transactions we can only deliver goods to the home address of the applicant.