WE NOW OFFER INTEREST FREE FINANCE OVER 24 MONTHS BOTH IN-STORE AND ONLINE!
THINKING OF CHOOSING FINANCE?
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with etika (a trading name of etika Finance UK Ltd), who offer smart technology that lets you check your eligibility and the amount you can borrow without leaving a mark on your credit file. You can also apply for and complete the loan application quickly and entirely online even if you haven't checked your eligibility.
Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose etika. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
CHECK YOUR ELIGIBILITY
- You will only be considered for finance if:
You are 18 or over, and employed at least 16 hours per week - You have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies
- You are a permanent UK resident and able to supply a UK address history for the last 3 years
- You are not a student (unless employed at least 16 hours per week) or unemployed single house person
- We welcome application from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
OUR PAYMENT PLAN OPTIONS
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 2, 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.
Use our finance calculator on each product page or in the shopping cart to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.
Note: Finance is not available on clearance items.
Representative examples:
0% finance over 12 months
● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● Representative APR = 0%
● Interest charged = £0
● 12 monthly payments of = £45
● Total amount payable = £600
14.9% finance over 12 months
● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● Representative APR = 14.9%
● Interest charged = £80.46
● 12 monthly payments of = £51.71
● Total amount payable = £620.46
PAYING WITH FINANCE
Simply add the purchases to your basket and select etika at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
FINANCE DECISION
Your application will be assessed based on eligibility, credit history and affordability and etika will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, etika you will need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and etika will be able to give you more information.
REPAYING THE LOAN
Your first direct debit payment will be shown on your credit agreement. This will show on your statement as a payment to etika. You have the right to repay all or part of the loan early at any time.
CANCELLATION
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and etika will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions contact us on 020 8208 6988 or info@westenddj.co.uk.
Consumer credit service is provided by etika (a trading name of etika Finance UK Ltd).
etika is authorised and regulated by the Financial Conduct Authority under registration number: 697658.
etika (a trading name of etika Finance UK Ltd) is a UK registered company, registration number 7440512 with registered offices are at 1 Spinningfields, Quay Street, Manchester, M3 3JE
THE LEGAL BIT
West End DJ LTD is authorised and regulated by the Financial Conduct Authority, register number 716407, and Registered in England and Wales, Registration Number 04230033.
West End DJ LTD is not a lender and acts as a credit broker and only offers products from etika.
etika is a suite of products offered by etika Finance UK Ltd, a company authorised and regulated by the Financial Conduct Authority under registration number 697658.
etika (a trading name of etika Finance UK Ltd) is a UK registered company, registration number 7440512 with registered offices at No 1 Spinningfields, Quay Street, Manchester, M3 3JE.