We offer V12 finance packages across thousands of products on our website and in store. Instead of paying for the gear up front, you can spread the payments out over anything from 6 to 36 months (subject to status).
Why choose finance?
Put simply, you can wait until you've saved up enough money for that new guitar, or that one piece of studio gear that's holding you back from perfect mixes. Or, you can use our flexible finance packages and get your hands on the gear you want, instantly! And we offer 0% interest / Buy Now Pay Later options, so you don't have to pay over the odds!
How do I apply?
Example finance packages
0% Interest, Short Term
- 0% Finance over 9 months
- Total Order Value = £1000
- 10% deposit = £100
- Balance over 9 months = £100/mth
- Total repayable £1000
- Interest charged £0.00 (0% APR representative)
Buy Now Pay Later
- 0% for 6 months, then 19.9% for 42 months
- Total Order Value = £1500
- 0% deposit = £0 (deposit optional)
- Settle within 6 months = 0% interest (one-off £29 settlement fee)
- After 6 months, balance over 42 months = £52.43/mth
- Total repayable £2202.06
- Interest charged £702.06 (19.9% APR representative)
Long Term Finance
- 15.9% Finance over 36 months
- Total Order Value = £2000
- 25% deposit = £500
- Balance over 36 months = £51.89/mth
- Total repayable £2,368.04
- Interest charged £368.04 (15.9% APR representative)
Am I eligible for finance?
- All loans are subject to status
- You must be at least 18 years old
- You must be a permanent resident in the UK (excluding the Channel Islands and other British territories).
- Customers from outside the UK cannot apply for finance from Andertons Music Co.
- Minimum order value to be eligible for finance is £300.
- Unfortunately we cannot split finance orders into multiple deliveries.
- We can only deliver your order to the card billing address. We cannot make any exceptions to this rule.
How do repayments work?
Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until a month after you have received your order.
How does Buy Now Pay Later work?
If you choose one of our Buy Now Pay Later options, you can either choose to pay your loan back in full before the end of the initial, interest-free term, or spread your loan out over a longer period, up to 42 months.
If you pay your loan back before the end of the initial, interest free term, no interest needs to be paid. A one off settlement fee (£29 or £39 depending on which BNPL option you choose) to end the loan agreement will apply.
If you have not paid this sum in full by that date, interest at the rate specified will be charged from the date we told you your agreement was live. After this, you are free to settle the loan at any time without a settlement fee.
If you have made any partial repayments, interest will be charged only on the amount of credit that remains unpaid.
Please refer to the representative example above for detailed information.
What finance packages are available?
The following finance packages are available on our website. The terms of the package will vary from product to product.
- 9 MONTHS 0% FINANCE*
- 18 MONTHS 0% FINANCE**
- 24 MONTHS 0% FINANCE**
- 24 MONTHS FINANCE AT 15.9% APR*
- 36 MONTHS 0% FINANCE**
- 36 MONTHS 3.9% FINANCE**
- 36 MONTHS FINANCE AT 15.9% APR*
- 6 MONTHS BUY NOW PAY LATER***
*available on all products if total order is over £300
**available on selected products only
***£29 settlement fee. After 6 months, it becomes a 42 month contract with 19.9% APR representative.
- The minimum order value to be eligible for any finance package is £300
- The maximum loan value for Buy Now Pay Later is £2500; for all other finance offers, it's £12,000
- The minimum deposit amount required for finance is shown on individual product pages on our site
What's the minimum value for finance?
All our finance offering are subject to a minimum loan value. This value varies from package to package. It means that the maximum deposit that you can pay is capped.
For example, if you were purchasing a product for £350, using 9 Months Interest Free Finance, the maximum deposit you could pay would be £100 because the minimum loan value for this package is £250.
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.
Contact V12 Finance
For info on your agreement or general questions regarding how V12 work, you can contact them directly:
- 02920 468 900
Andertons Music Co's Registered Office: 58-59 Woodbridge Road, Guildford, GU1 4RF. Andertons Music Co. acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Andertons Music Co. is authorised and regulated by the Financial Conduct Authority. Credit provided subject to age and status.