Get your new Bowers & Wilkins Formation Speakers on interest-free pay monthly finance

At Smart Home Sounds we understand the new Bowers & Wilkins Formation range is a big investment in your audio, but we've made it simple to spread the cost, interest-free over a length of time that suits you.

We teamed up with DekoPay to offer you a hassle-free, flexible method of splitting up payments with up to 12 months interest-free credit via a 5-10 minute online application form.

It's never been quicker and easier to finance your new Bowers & Wilkins speakers today.


Flexible finance options to suit you

A simple finance calculator is displayed on each Bowers & Wilkins product.

Using the calculator, you can customise your deposit amount from 10% to 50% depending on the total value in your basket.

Once your deposit amount has been selected, you can then choose a finance term to suit your requirements.

We offer 6, 10 & 12 month plans. Every time your deposit or length of term is edited, your repayment figure will update.


How long does the finance application take?

Once you have completed the online application, it will be submitted to the lender for review. They will make a decision to either accept or decline your application and you will be updated every step of the way.

You can proceed to pay via finance by selecting Dekopay as your payment method. The application takes no more than a few minutes to complete and works great on PC, mobile or tablet devices.





After being approved, when can I expect to receive my goods?

After acceptance of your application, check your inbox for an email from DekoPay with instructions on how to pay your deposit (please check your junk inbox if you have not received it after a few minutes of being accepted).

As soon as the deposit is paid and you've e-signed the credit agreement, Smart Home Sounds will be notified to dispatch your speakers immediately.

Your order can be completed in as few as 10 minutes, so if verified before 4pm, we can dispatch your goods same day in time for delivery the following day.


How are payments collected?

You can pay your deposit easily and securely via credit or debit card.

Monthly re-payments thereafter are collected monthly by direct debit. They usually begin 30 days after you have finished your application and received your goods.

Can finance be paid off early?

Yes, you can pay any remaining finance off in one settlement whilst avoiding any settlement fees. Please contact Dekopay if you wish to do this.

Can I send my goods to a different delivery address to the one on the application?

It is a regulation of the finance provider that all goods are to be signed for at the billing address on your credit application form, so it is not possible to send finance orders to a work address.

Why Choose Smart Home Sounds?

  • Free Next Day Delivery. We're not in the business to make money on delivery. That's why free next day delivery is on us.


  • Audio Experts. We have exclusively been selling wireless audio systems for over 8 years and know it inside out. We're easily contactable if you need a hand with anything.


  • VIP Loyalty scheme. We reward your loyalty. If you ever want to expand your system in the future, you'll receive our latest exclusive loyalty deals.


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Consumer credit Licencing
Consumer credit service is provided by DEKO which is a trading name for Pay4Later Ltd. Pay4Later who are authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to or visit Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.