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How Can I Pay Using Finance?

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We offer V12 Finance packages on our website and in-store across thousands of products. Instead of paying for your order upfront, you can spread payments over 9 to 48 months (subject to status and minimum spend).

How do I apply?

We've partnered with V12 Finance because they offer a simple, easy application process. On each product page, you'll see a finance calculator that will help you work out the repayments for that product. What's more, you can apply for finance for your whole basket as long as it exceeds the qualifying value. At the checkout, simply choose V12 Finance as your payment method, and you'll be guided through the application process.
Example finance packages:

0% APR Interest over 9 Months (Minimum order value is £450)

  • Total Cash Price: £1000
  • Deposit: £100
  • Amount of credit: £900
  • Duration of agreement: 9 months
  • 9 payments of £100
  • Cost of credit: £0
  • APR representative: 0%
  • Total amount repayable: £1000

19.9% APR Finance over 36 Months (Minimum order value is £300)

  • Total Cash Price: £1000
  • Deposit: £100
  • Amount of credit: £900
  • Duration of agreement: 36 months
  • Annual rate of interest (Fixed): 10.2%
  • 36 payments of £32.66
  • Cost of credit: £275.76
  • APR representative 19.9%
  • Total amount repayable: £1275.76

Am I eligible for finance?

To apply for finance, you must:

  • Be 18 or older.
  • Be in permanent paid employment, self-employed, a homemaker, retired and receiving a pension, a working student in part-time work, or in receipt of a disability benefit.
  • Have been a resident in the UK for at least 3 years.
  • Have a debit or credit card in your name, registered to your address, to pay the deposit, where applicable.
  • Have a current account with a bank or building society to complete the Direct Debit instruction.
  • Have a valid email address to receive important information throughout the application process, including your signed credit agreement.

All finance applications are subject to status.

How do repayments work?

Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your order. You don't start repaying your loan until a month after you have received your order.

What finance packages are available?

The following finance packages are available on our website. Package terms vary by product.

  • 9 MONTHS 0% APR FINANCE*
  • 12 MONTHS FINANCE AT 19.9% APR REPRESENTATIVE**
  • 18 MONTHS 0% APR FINANCE***
  • 24 MONTHS 0% APR FINANCE***
  • 24 MONTHS FINANCE AT 19.9% APR REPRESENTATIVE**
  • 36 MONTHS 0% APR FINANCE***
  • 36 MONTHS FINANCE AT 19.9% APR REPRESENTATIVE**
  • 48 MONTHS FINANCE AT 19.9% APR REPRESENTATIVE**
*available on all products if the total order is over £450
**available on all products if the total order is over £300
***available on selected products only

What's the minimum value for finance?

All our finance offerings have a minimum loan value. This value varies by package. This means your maximum deposit is capped.

  • The minimum order value to be eligible for interest-free finance packages is £450
  • The minimum order value to be eligible for interest-bearing finance packages is £300
  • The maximum loan value is £15,000 
  • The minimum deposit amount required for finance is shown on individual product pages on our site

Our website checkout will automatically cap your deposit amount at the maximum possible amount. You can choose to pay any deposit between the minimum and maximum value.

Why Was My Finance Application Declined?

All of our finance agreements are processed by V12 Retail Finance. Upon completion of your application, you'll receive a decision. If V12 declines your finance application, you'll need to contact them directly.

While they can't always discuss specific details over the phone, they may be able to advise why the agreement was declined or whether there were any errors in the application.

Can I Cancel My Finance Agreement?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement, without giving any reason, within 14 days from the day after the day on which the agreement is signed by you. 

If you want to keep the items but cancel the finance, contact Andertons Music Co. and pay for the order by another method (e.g., a credit card). Andertons Music Co. will then cancel your credit agreement, and V12 will return your deposit.

If you don't wish to keep the items, you must return your order to Andertons Music Co. in the same condition you received it; Andertons Music Co. will then cancel the agreement, and V12 will return your deposit.

Contact V12 Finance

For information on your agreement or general questions regarding how V12 work, you can contact V12 directly:

Complaints

If your complaint is about the items purchased, please contact us.

If your complaint is specifically about your finance agreement, please contact V12 Finance as above, and we will be happy to help. The Financial Conduct Authority regulates your agreement. As you are regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8-week holding letter. Further information and contact details are available at www.financial-ombudsman.org.uk.

Disclaimer

Andertons Music Company's Registered Office: 58-59 Woodbridge Road, Guildford, GU1 4RF. Andertons Music Company acts as a credit broker, not a lender, and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Andertons Music Company is authorised and regulated by the Financial Conduct Authority, firm registration number 716155. Credit provided subject to age and status.

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