At Andertons Music Co. we firmly believe in getting the right equipment in the hands of the right musician without any barriers to creativity. We want to make it as easy as possible for you to get hold of the gear you want and start playing, now!

That's why 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 9 to 36 months.

Instant Online Finance

Why Choose Finance?
(Finance is subject to status)

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?

We've partnered with V12 finance as they specialise in Musical Instruments and provide a simple and easy application process. On each product page you'll see a finance calculator which will help you work out what the repayments on that product will be. What's more when you get to the checkout you'll see another calculator, and you can apply for finance on your whole basket! At the checkout, simply choose V12 Finance as your payment method and you'll be guided through the application process.

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

Finance FAQs

Applying for V12 Finance

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 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 Music Co. and we'll send you the goods.

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.

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.

V12 Retail Finance

V12 Retail Finance provide our instant online finance credit checking process. They facilitate retail financing on behalf of Andertons Music Co. and whilst Andertons fulfil your order, V12 will be the party managing your finance agreement throughout the finance term. Full details regarding our online finance offers are available on the V12 Website

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

* 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

V12 Finance

Minimum Finance Values

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.

What happens if I get declined?

Should your application for finance fail, you will need to contact V12 directly. They may be able to advise you as to why your application was declined.

What happens if I change my mind?

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. Call V12 on 02920 468 900 to talk to their dedicated team. If you wish to keep the goods but cancel the finance, all you have to do is contact Andertons Music Co. and pay for the order via an alternative means (i.e. 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 goods, then you must return your order to Andertons Music Co. in the same condition that you received it, at which point Andertons Music Co. will cancel the agreement and V12 will return your deposit.

Will Applying for finance affect my credit score?

As with any finance agreement the loan may be visible to other lenders, which could affect future decisions. However, we recommend contacting V12 directly for further advice on this matter.

How long does the application process take?

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.

What if I miss a payment?

If you are concerned about missing a payment, or have missed a payment we recommend you contact V12 directly. You can call them on 03331 22 11 01, and talk to their dedicated team.

What Is Buy Now Pay Later?

With our Buy Now Pay Later finance deal, you can purchase an eligible item (priced between £300 and £2500) with no deposit and not pay anything for 6 months. Nothing at all. Nada. If you pay it off within the 6 month period, there's a £29 settlement fee. If you don't, you'll start to repay the loan at 19.9% APR over 42 months - it's that simple! As with our other finance offers, agreements are subject to status. If you'd like to know more, contact V12 Finance on 02920 468 900, or by email at

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