Finance Information

Finance is available on orders of £500 or more, and applications for finance can be made with Pro Audio Centre online or in-store.

Please see below for examples of the finance products available:

Order Value£750£750£750£750
Deposit Amount£300 (40%)£300 (40%)£300 (40%)£300 (40%)
Loan Amount£450£450£450£450
Term6 Months12 Months24 Months36 Months
Monthly Payment£75£37.50£20.66£16.26
Total Repayable£750£750£795.76£885.24
Total Interest£0£0£45.76£135.24

Pro Audio Centre acts as a credit intermediary and only offers credit products from Pay4Later Ltd and Close Brothers Retail Finance. Credit provided subject to age and status.


Am I eligible for finance?

You must be a permanent UK resident, able to supply 3 years address history. You must be in employment or retired and receive a gross annual income of at least £10,000. You'll need to have a good credit history, a debit or credit card, and a UK bank account capable of accepting Direct Debits

How much can I borrow?

The goods in your basket must total £500 or more. The minimum amount available to borrow is £250 and the maximum is £12,000.

How do I apply for finance when shopping online with Pro Audio Centre?

Just add the goods you'd like to buy to your shopping basket, proceed to the checkout, and select the 'Pay with Pay4Later' option. This will launch the credit application process.

How long does the credit application take?

The credit application takes approximately three minutes from start to finish, and a decision is typically returned within 10 seconds.

Will I need a deposit?

Yes, a deposit is required. The amount of deposit required depends on the length of the finance term you've chosen.

Can I have my order shipped to an alternate address?

We will only ship goods to the address you have provided on the credit agreement.

How are loan repayments made?

All payments are made by direct debit. The first payment will be taken approximately 30 days after you have received the goods, and every month thereafter for the duration of the agreement.

Can I cancel the finance agreement once I've signed up?

You have the right to withdraw from the finance agreement without giving any reason within 14 days of receiving the goods. If you do so, you must repay the balance for the goods within 30 days.

Can I repay the loan early?

You have the right to repay the amount you've borrowed early (in full or in part) at any time during the credit agreement.

Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by The Financial Conduct Authority – firm reference number: 0616240. For more information please refer to our frequently asked questions or visit

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit