A Representative APR (Annual Percentage Rate) is shown on products where you borrow money, so that an easier and fairer comparison can be made. It's the typical cost of credit expressed as a percentage, spread over 12 months.
We realise that our industry requires immediacy and sometimes the timings are difficult to make capital purchases, so at Pinknoise Systems, we have solutions to ease the pain and make life easier to get the kit you need, without sweating about cash flow.
Finance is also available with our part exchange program. We will consider part exchange on offered used equipment as a form of deposit. We are only interested in good condition audio kit that is applicable for our industry. Primarily for location sound, film, TV and video equipment. Please note: We are not interested in HiFi, studio or musicians equipment. Think of it like part exchanging a car - we will offer a realistic figure based on condition, age and a few other factors.
Make the Most of your PayPal Credit account
PayPal is a credit limit attached to your PayPal account. Finance is available at 0% for up to 4 months. Find out more on how to make a payment, set up a direct debit, manage your account online and shop confidently with our handy FAQs seen below.
How does the 0% for 4 months offer work?
Every time you spend £99 or more, either in one transaction or on your checkout basket total, you can enjoy 0% interest for 4 months. This means that you won’t pay any interest on your balance for 4 months. You still have to make the minimum repayment on your balance each month.
How do installment offers with PayPal Credit work?
You can choose to spread the cost for longer using installment offers with PayPal Credit. This finance option is available at selected online stores and enables you to spread the cost over 6 to 24 months at promotional interest rates lower than PayPal Credit’s standard rate of interest. You have to make the agreed repayment amount each month until your balance is paid off.
How long does it take to apply for/receive PayPal Credit?
The application form takes minutes to complete. We'll then run a credit check, and if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your credit agreement.
Three Ways To Use PayPal Credit:
0% interest offer - Enjoy 0% interest for 4 months on every basket total of £99 or more.
Pay in installments - Monthly installment plans available at various online stores from 6 to 24 months.
Transactions less than £99 - You can spread the cost of your purchases at 19.9% APR (variable).
You can make a one-off repayment from your bank account, debit card or PayPal balance at any time, either online or by calling PayPal Customer Service. Alternatively, you can set up monthly Direct Debit payments from a bank account you've linked to your PayPal account. To set up Direct Debit payments, log in to your PayPal account and follow the instructions on the Make a Payment page.
If you're late with a payment, PayPal will charge you a late payment fee of £12. You'll be charged a return payment fee of £12 if you have insufficient funds to cover the payment. We also charge a fee of £5 if you request a printed copy of a previous statement. For more information on how these fees apply, please refer to the Credit Agreement.
Payments will reflect on your PayPal Credit account the same day you make them. It may take a few days for your available balance to update and for the payment to show on your bank statement.
To help you spread the cost of buying new sound equipment, we have teamed up with etika (a trading name of etika Finance UK Ltd) to offer you a convenient and great value payment plan option.
A LITTLE BIT ABOUT ETIKA, OUR 3RD PARTY PROVIDER
etika is one of the UK’s leading specialist provider of retail point of sale credit, providing finance options through its industry leading online paperless processing system. etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority, registration number: 697658. Company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE.
- Be 18 years old or over.
- Be employed for at least 16 hours a week or retired and in receipt of a private or company pension. Certain state benefit schemes may also be considered.
- Be a permanent UK resident with a 3 year address history.
- Have a good credit history with no late payments, debt relief orders or bankruptcy.
- Have a valid email address and can access it.
Please note that meeting the above criteria does not guarantee finance acceptance.
You will need to complete your finance application online as you will be asked for some sensitive information. Our finance partner will require personal details like your name, address, phone numbers and income. Plus, your bank account and credit or debit card details. They need this information to be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.
The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can't give you an instant decision we'll, send you an email the moment the finance company makes a decision.
Please note that for security measures proof of ID may be required after your application has been approved and your deposit has been paid. This step is to verify your transaction and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID, we will be in contact with you. Should you need to provide ID, you will be notified via email from the finance provider.
A credit check forms part of the automated decision making process and is part of a responsible lending policy.
When your credit application is accepted you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application) and on the credit agreement itself. Your monthly repayments are collected by Direct Debit.
You have the right to repay all or part of the credit early, at any time. There will be no penalties for early repayment.
To learn more about etika, please see their website here.
Our fast, affordable and easy-to-understand credit helps you buy what you love or need. With no hidden fees, we offer fast and secure online loans. No fine print.
Manage your budget with manageable payments over the timeframe you choose. You can either sign up through one of our online merchants at check-out, in-store, or on our website.
Before making a purchase with etika, it’s important that you consider your financial commitments and make sure that you can afford this purchase.
To be considered for finance you must meet the following criteria:
- Be over 18 years of age.
- Be employed at least 16 hours per week or retired and in receipt of a private or company pension.
- Be a permanent UK resident with 3 years UK address history.
- Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
- Have a valid email address that you can access.
Your credit score will determine how much you can borrow. Our loans range from £300 to £5,000.
etika exists to deliver fair and flexible financial products, in a socially responsible way, to customers and retailers.
etika is a trading name of etika Finance UK Ltd, a company authorised and regulated by the Financial Conduct Authority under registration number 697658. etika Finance UK Ltd is a UK registered company, registration number 7440512 with registered offices at Jactin House, 24 Hood Street, Ancoats, Manchester, England, M4 6WX.
Your Money, your kit, your way
Who are Azule?
Azule finance is a specialist asset finance provider for media, broadcast, lighting, sound, AV and photography for businesses and individuals.
What makes Azule different?
Azule's motto is Affording Creativity. Azule is here to help you realise your creative potential.
Azule prides themselves in understanding your business, the market you operate in and the pressures you are under. Azule take far more into consideration than the numbers you send them; they look at history, experience and the quality of the equipment. All of this is factored into making their decisions.
A little bit of history
Azule Finance opened its doors for the very first time in 2004. They started small and with a very simple mission. A mission to provide specialist funding and leasing services to individuals and businesses working in broadcasting and media.
In the years that have followed they’ve grown considerably, taking on more staff, working with more companies, operating in more sectors and partnering with new customers, including many that have grown as they have.
Today, Azule work across live events, sound and lighting, AV, photography, post-production and other related markets too and they are still getting bigger. In 2018 they were acquired by PCF Bank. This move to become a part of a UK bank has enabled them to increase our lending capacity, thereby helping more projects and aspirations come to fruition.
Azule are also able to offer their services across the whole of Europe, not just the UK.
Your Money, your kit, your way
Perhaps you’re a self-employed owner-operator buying your first (or next) camcorder? Maybe you’re a financial director tasked with finding the money to upgrade your edit suites? Or could you possibly be a hire company boss looking to overhaul your touring lighting rig? Whatever your circumstances, Azule has the tools, experience and contacts to help you to get the most appropriate asset finance deal possible.
Best of all, Azule can make it happen for you fast. By using their online application service you can get a quote or apply for finance in less than three minutes, meaning that less of your time is wasted filling in forms and more of it can be spent doing what you do best: creating and delivery content, or supporting those that do.
Shop now, pay later.
Spread the Cost
Klarna believes there is a better way to shop, one without credit cards, interest or fees. Their installment product is an alternative without the nasty side effects. They partner with retailers to provide flexible payment options for you. No interest. No fees. No impact on credit score.
Buy now, pay later.
Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment in full after purchase at no added cost. You can report returns directly in the Klarna app and only pay for the items that you keep.
Pay over 6-36 months.
Spread the cost of your purchase giving you more time to pay. With a real-time credit decision, you can complete the purchase immediately with up-front terms and conditions. Have a full overview online or in our app of your payments.
An example here is a for a purchase of £4.250.00 over 6 months. Each month you would make a payment of £708.34 to cover the cost. There are no monthly fees and no additional hidden chargers.
Simply add the item(s) to your basket and at checkout choose Klarna as your payment method.
Once your application is completed and approved, you will receive confirmation and your order will be processed with Klarna. They will ship your item(s) out to your as soon as they receive confirmation.
It’s as simple as that!
Depening on the payment method or service you choose, Klarna may perform different types of searches to check your financial standing. You can find an overview of the credit checks they run for their payment options and services and whether they impact your credit score below.
Using Klarna will no affect your credit score when:
- Choosing “Pay in 3 instalments”
- Deciding to “Pay in 30 days”
- Creating a “One-time card”
For the adove mentioned, Klarna will perform a credit check will not be visible to other lenders and therefore won’t impact your credit score in any way.
Using Klarna might affect your credit score when:
- Applying for one of our Financing options
If you decide to use Financing, Klarna might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.
To make a purchase with Klarna you need to provide:
- Your phone number
- Email Address
- Current billing address
- A valid debit/credit card
Klarna recommends that if you are new to them and you haven’t used their payment option before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.
All information sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.