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Tue, 12 Jul 2011 Category: Web Site News

Finance Information

Tags: Online Finance, Guitar Finance, Finance

Want finance? Well, now you don't have to wait. You can apply for finance online and get an instant decision, with no forms to sign. If you pass for finance and order before 12pm, we can usually dispatch your item the same day.

Online finance at Rich Tone Music - powered by Pay4Later.

  • Apply Online with instant decision.
  • No Forms to sign
  • Fast dispatch - order by 12pm and we can ship your order the same day.

Online Finance Applications
To improve the customer experience on our web site, we are now proud to offer online finance applications. You can now apply for great finance packages online with instant decisions backed up by our renowned mail order service.

How Do I Apply for Finance?
Check out the photo gallery below which will guide you through the main steps.

Am I eligable for finance?
Applicants must be UK Residents, over 18 years old and in at least 16 hours employment per week. Retired persons and homemakers are also welcome to make applications. Overseas applicatons are not permitted and will not work in the system.

Is there a minimum spend?
Yes. Finance is available on purchases of 499 and above. Some items may not be available on finance even though they are above this threshold.

What finance packages can I get?
The two main packages you will find on our web site are 12 months interest free finance and 36 months classic credit at 19.5% APR. You may also see specific promotional finance on products such as an incredible 24 moths interest free (online only)...among others.

Can I get Finance In Store?
Yes. 12 Months interest free finance is available on many items 499 and up. Longer term interest bearing finance is also available in store. Promotional finance of 24 months is NOT available in store currently.

What is the Maximum Loan size?
5000 of credit with 10% deposit so 5500.00 is the most expensive item you can buy in round numbers.

Are there any restrictions as with Take It Away?
No. As long as you are over 18 and meet the Pay4Later's minimum lending criteria you can buy any product/combination of products. Ie, you can buy an amplifier on it's own for example

How do I pay the loan back?
You will set up a direct debit agreement during the application process. This will start one month after your agreement date.

Cancellation/Cooling Off etc?
Cooling off period is 14 days. You will need to make payment for the item in full to us (via credit/debit card) and we will then instruct Pay4Later to cancel your agreement.

Finance is provided by Pay4Later - check out their web site for more information.


Regulatory Information

Rich Tone Music Loan agreenments are only available to UK residents over 18, subject to status, terms and conditions apply.

A minimum deposit of 10% of the value of the goods is required for finance purchases. Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation

Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. We may pay brokers some consideration if they introduce business to us.

Rich Tone Music Ltd

We work exclusively with the Close Brothers Retail Finance as lender. You can contact Close Brothers directly should you wish to discuss their loans and services on the following phone number: 0844 880 6542


Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers.

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