We offer flexible finance options to help you access the music gear you want. If you are considering a finance plan, before choosing one be sure assess your financial situation to ensure you can comfortably afford the monthly payments.

Keep in mind, late or missed payments may incur fees and affect your credit score. If you have questions about our finance options, our customer support team are unable to advise, however for guidance on managing your finances and making the right choice for your personal situation, please visit the UK's Money Advice Service website here.

Klarna Finance

For purchases between 292 - 12,000, Klarna Finance options are available:

• 48 Months at 14.90% APR
• 36 Months at 19.90% APR
• 24 Months at 19.90% APR
• 12 Months at 0.00% APR (available for purchases up to 1,167)

To explore the Klarna finance products available to you, select 'Place order using Klarna' at checkout and complete your purchase within the Klarna portal. Gear4music Limited acts as a credit broker and offers credit products from Klarna Finance, receiving a commission if your application is successful.

V12 Finance

For purchases between 584 - 18,000, V12 Finance options are available:

• 48 Months at 19.90% APR
• 36 Months at 19.90% APR
• 24 Months at 19.90% APR

Gear4music Limited acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Gear4music Limited is authorised and regulated by the Financial Conduct Authority. Our registration number is 3113256. Credit is provided subject to age and status. Gear4music may receive a commission if your application is successful.

To help you understand how our finance options work, the examples below are based on a total order value of 292.

Applying for finance couldn't be easier - simply proceed through the checkout as normal, then select Pay By Finance on the payment page, then click the orange APPLY FOR INSTANT FINANCE button. This will start your application with V12 Finance, our finance partner, and completing this form should take seconds.

You should get an instant answer on whether your application has been successful and if you don't, you will receive an email with instructions regarding what to do next.

Finance is available on orders over 292 placed via our website, inclusive of delivery options.

Applications are subject to minimum spend, Terms & Conditions apply, available to applicants aged 18 and over.

To apply for finance, you will be asked to provide the following:

• Address history for the last 3 years
• Employment and income information
• Bank account number and sort code
• Email address

Warranties can not be purchased on finance. If you wish to purchase warranties, please choose another payment method or contact us after placing your order and we'll be happy to help you.

When you select Finance as your payment option, the credit provider will conduct a hard assessment, and will offer finance options if you are eligible.

Terms and Conditions

V12 Retail Finance

Gear4music Limited acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Gear4music Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm reference number 706272. Our registration number is 3113256. Credit is provided subject to age and status. Gear4music may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.

If you have a complaint are dissatisfied with our response and your agreement is 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 can be found on www.financial-ombudsman.org.uk.