At BishopSound, we aim to make your online experience as smooth as possible, and our products as accessible as possible. That's why, we've teamed up with DivideBuy and Klarna to offer you a range of payment solutions to suit your needs. 

We offer interest free finance options through our partnership with DivideBuy, and staged/delayed payments through Klarna. You can find out more information below:

DivideBuy

DivideBuy provides interest free credit options, that allows you to spread the cost of your purchases if you buy from one of our retail partners. Payments can split monthly up to 12 months. We have a high acceptance rate, a quick application process and an instant credit decision. There are no hidden fees and no restrictions on when or how often you would like to pay your balance off.

Why aren't I being presented with a 12 month finance option?

DivideBuy offers different periods of finance based on the value of your order. Please see below for thresholds:

  • 3 months - £100 or more
  • 6 months - £250 or more
  • 9 months - £450 or more
  • 12 months - £600 or more
How do I know if I'll qualify?

As DivideBuy is a lender, it has control of whom it lends to, without the restrictions that brokers have. This means DivideBuy looks at your ability to pay now, rather than just your credit history. Because of this, DivideBuy have a 96% acceptance rate.

How do I check out with DivideBuy?

Simply select the DivideBuy method during your checkout, and you'll be taken to DivideBuy's secure website to complete your finance application. It takes just 60 seconds for DivideBuy to give you an instant result, and once approved, you'll be returned to BishopSound where you can view your order confirmation. 

Can I pay earlier / pay off my balance in one go?

Yes, full or part payments can be made at any time online via the Customer Account Portal or by contacting the DivideBuy customer service team. You can choose to pay a specific monthly installment or to reduce the remaining installment amounts. There are no additional charges for early repayment.

Do I need to pay a deposit?

Yes and no. Many people can pay a deposit or you can choose not to.

However, some people may be instructed that they must to pay a deposit. This is due to the credit decision, which is calculated based on several factors including your credit score, order total and credit term. A deposit is taken from the overall total to reduce the monthly installment and make them a more manageable size.

Any further information can be obtained by calling DivideBuy directly on 0800 085 0885

KLARNA

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments

PAY LATER IN 3

HOW DOES PAY LATER IN 3 INTEREST-FREE INSTALMENTS WORK?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by BishopSound and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

AM I ELIGIBLE FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

WHAT DO I NEED TO PROVIDE WHEN I MAKE A PURCHASE?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

WILL A CREDIT SEARCH TAKE PLACE AGAINST ME?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor BishopSound run credit searches against you that could impact your credit rating.

WHY HAVE I NOT BEEN OFFERED PAY LATER IN 3 INTEREST-FREE INSTALMENTS?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

WHAT ARE MY PAYMENT OPTIONS WITH KLARNA?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

WHAT HAPPENS IF I CANCEL OR RETURN MY ORDER?

As soon as BishopSound have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

WHAT HAPPENS IF I DON’T PAY FOR MY ORDER?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at BishopSound from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

I HAVE BEEN ASKED TO GO TO THE KLARNA SITE. IS THIS CORRECT?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk. Is my payment information safe? Payment information is processed securely by Klarna. No card details are transferred to or held by BishopSound. All transactions take place via connections secured with the latest industry standard security protocols.

CAN I PAY BEFORE THE DUE DATE?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

HAVE YOU RECEIVED MY PAYMENT?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

WHAT HAPPENS TO MY STATEMENT, WHEN I'VE RETURNED THE GOODS?

Once BishopSound has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I'VE RECEIVED A STATEMENT, BUT I'VE NOT YET RECEIVED MY GOODS.

In the event that your goods have not been received please call BishopSound to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive. I have cancelled my order.

HOW LONG WILL IT TAKE UNTIL I RECEIVE MY REFUND?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days. I have asked for a refund. How will I be refunded? Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I HAVEN’T RECEIVED AN EMAIL WITH MY STATEMENT/PAYMENT INFORMATION.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I STILL HAVE QUESTIONS REGARDING PAYMENT, HOW CAN I GET IN TOUCH?

Call  Freephone: 0808 189 3333 or visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.

PAY LATER IN 30 DAYS

HOW DOES PAY LATER IN 30 DAYS WORK?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try on your order and only pay when you’re happy. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card in Klarna.app or by logging into www.klarna.com/uk.

AM I ELIGIBLE FOR PAY LATER IN 30 DAYS?

To use Pay later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay later in 30 days is subject to your financial circumstances. When choosing Pay later in 30 days, our assessment will not affect your credit rating.

HOW CAN I INCREASE MY CHANCES OF BEING ACCEPTED FOR PAY LATER IN 30 DAYS?

Klarna is unique and offers Pay later in 30 days based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 30 days by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later in 30 days before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

WHY HAVE I NOT BEEN OFFERED PAY LATER IN 30 DAYS?

Although Pay later in 30 days is widely promoted it is not always universally available. The Pay later in 30 days method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout