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Andertons Instant Online Finance

Am I eligible for finance?

The contents of your application will be assessed and you will receive an instant approval or refusal of credit. In exceptional cases, your order will be held for manual assessment and you can expect to be notified by email of the credit decision within a few working hours.

All loans are subject to status and you must be at least 18 years old and 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.

Please note the minimum order value to be eligible for finance is £300. Unfortunately we cannot split finance orders into multiple deliveries. When paying by finance, we can only deliver your order to the card billing address. We cannot make any exceptions to this rule.

Finance services on provided by V12 Retail Finance

What is the best finance deal I can get on this product?

On every product page you'll see a dropdown with our best finance offers for that product. Select an option to see the monthly repayment amount. Please note that these options just give an indication of the finance deals available. You make your final decision on which finance package you would like at the checkout stage of our website.

If you have multiple items in your basket, you will only be offered the finance options for the most expensive product in your basket.

How do I use instant finance?

It's simple! Just add the products you want to your basket and click the "Checkout" button. Go through the checkout process and choose the "V12 Retail Finance" instant finance button as your method of payment. Now choose which finance term you'd like to apply for, and change your deposit if you wish.

At the end of the checkout you'll be taken to the V12 Finance web site. This is where your finance application is processed. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. There are no paper forms to sign! If your finance application is accepted and you pay the deposit, your order will come through to Andertons and we'll send you the goods. Get approval before 2pm and we'll send your order out the same working day (stock permitting) for next working day delivery!

N.B. As the last step of the deposit process you will be taken to your bank's website to verify the password you set for using your credit or debit card online.

If your card is not registered in either the Verified by Visa or Mastercard Secure password schemes, you will not be able to place your deposit online. You can register your card to the schemes online with Mastercard or Visa. Alternatively, call us on 01483 456777.

Please note: we cannot offer a "collect in store" option for online finance purchases. Purchases made online using instant finance will be delivered to you via our courier service.

Finance services on provided by V12 Retail Finance

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.

Cooling Off Period

You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Andertons and pay for the order via an alternative means (i.e. a credit card). Andertons will then cancel your credit agreement and V12 will return your deposit. If you don't wish to keep the goods, then you must return your order to Andertons in the same condition that you received it, at which point Andertons will cancel the agreement and V12 will return your deposit.

V12 Finance & Moneyway

Moneyway is a trading name of Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. More information is available at

V12 Retail Finance provide our instant online finance credit checking process. They communicate with Moneyway on Andertons' behalf in order to provide you with a finance agreement. Full details regarding our online finance offers are available on

Available Finance Packages

The following finance packages are available on our website. The terms of the package will vary from product to product.

  • 18 MONTHS 0% FINANCE**
  • 24 MONTHS 0% FINANCE**
  • 36 MONTHS 3.9% FINANCE**

*   available on all products if total order is over £300
** available on selected products only
The minimum order value to be eligible for any finance package is £300
The maximum loan value for Take it Away loans is £2000.
The maximum loan value for all other finance offers is £12,000
The minimum deposit amount required for finance is shown on individual product pages on our site

Maximum finance deals

The maximum deposit amount for all online finance is 50% of the total transaction value. For high value transactions (where the basket value is more than twice the maximum loan of £12,000) you will not be able to complete an instant finance application online. See EXAMPLE 5 below to see an example of this scenario.

Example Finance Deals

  • 1: 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
  • 2: 0% Finance over 24 months

    • Total Order Value = £1500
    • 20% deposit = £300
    • Balance (over 24 months) = £50/mth
    • Total repayable £1500
    • Interest charged £0.00
    • 0% APR
  • 3: 3.9% Finance over 36 months

    • Total Order Value = £2000
    • 20% deposit = £400
    • Balance (over 36 months) = £47.12/mth
    • Total repayable £2096.32
    • Interest charged £96.32
    • 3.9% APR
  • 4: 15.9% Finance over 24 months

    • Total Order Value = £1000
    • 20% deposit = £100
    • Balance (over 24 months) = £44.91/mth.
    • Total repayable £1177.84
    • Interest charged £177.84
    • 15.9% APR
  • 5: 50% Maximum deposit exceeded

    • Total Order Value = £30,000
    • 50% (maximum) deposit = £15,000
    • Total repayable at 0% APR = £30,000
    • Total borrowing requirement = £15,000
      This is greater than the maximum loan value of £12,000
    • Transaction cannot be processed online (please call)

Take It Away Scheme

Take It Away instrument loans

Andertons Music Company is a licensed credit broker of Take it away loans. Registered address: 58-59 Woodbridge Road, Guildford, GU1 4RF, United Kingdom.

Take it away is an Arts Council England initiative designed to help more people get involved in learning and playing music. The scheme allows 18-25 year olds to apply for a loan of up to £2,000 for the purchase of any kind of musical instrument, and pay it back in nine monthly instalments.

You can use Take it away to borrow between £300 and £2000 towards the costs of your chosen instrument, and you can also include music stands, sheet music and other accessories to make sure you have everything you need to get playing.

Applicants must be a permanent UK resident aged between 18 and 25 years and working at least 16 hours per week. A ten percent deposit is required. Representative 0% APR.

How do I select Take It Away on your website?

You don't have to! Just check out using online finance using the method described above and we will work out whether your basket is eligible for Take it away, or not. V12 will verify your age, and you will be granted a loan under the Take It Away scheme if you meet all the criteria. It's that Easy!