Finance Options via V12 Finance


We are very pleased to be able to offer you a range of Interest Free and Flexible Finance packages via our partner V12 Retail Finance to allow you to own the Guitar / Bass of your choice. V12 Retail Finance is a specialist provider of Retail Point of Sale Credit, providing finance to customers through an easy to use online, paperless processing system, allowing you to choose the finance options best suited to you.

Who can Apply?

To apply for finance you must be:

  • At least 18 years of age.

  • A permanent UK resident.

  • In regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment.

  • In receipt of a pension if you are retired.

  • Able to confirm sufficient income if you are registered disabled.


How much can I borrow and what are the Payment Options?

Finance is available on orders from £295 to £15,000.

We now offer a number of finance options on orders of £295 or more as follows with the examples  shown for illustration purposes only and based on a Total Order value of £1000 :

Interest Free 0% APR over 6 months

Order Value = £1000, Minimum Deposit = £100, Balance = £900, Monthly Repayments = £150.00 for 6 months. Total Amount Payable = £900.00, The cost for credit (interest and charges) = £0.00. APR 0% representative.

Interest Free 0% APR over 9 months
Order Value = £1000, Minimum Deposit = £100, Balance = £900, Monthly Repayments = £100.00 for 9 months. Total Amount Payable = £900.00, The cost for credit (interest and charges) = £0.00. APR 0% representative.

Interest Free 0% APR over 12 months
Order Value = £1000, Minimum Deposit = £100, Balance = £900, Monthly Repayments = £75.00 for 12 months. Total Amount Payable = £900.00, The cost for credit (interest and charges) = £0.00. APR 0% representative.

You can estimate your repayments using the calculator below when you know how much you would like to borrow :


is a Deposit required?

Yes, a minimum 10% deposit is required on all purchases using this option. You can increase your Deposit in order to lower your monthly repayments and overall costs.

How are my monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

What type of goods can I buy on finance?

Finance is available on all purchases of £295 or more.

How Do I Apply?

There are two methods to complete a purchase with finance.

  1. Online - Simply add the items to your basket and process an order as normal, selecting finance at the checkout. You will then be re-directed to V12 secure site to complete your application. The process takes around 5-10 minutes and decisions are made very quickly. Applications are electronically signed, saving time and paperwork.

  2. Over the phone – Simply give us a call and we can then email you a link to complete the application at home.

What happens if my application is approved?

Finance is subject to status. Once approved you will be able to complete your V12 Credit Agreement and electronically sign the finance documents online. We will then process your order and notify you once dispatched.

What happens if my application is declined?

If your credit application is declined you will have the option to process the order with a different payment method (Credit Card, Debit Card, PayPal).

Can I Pay Off My Loan Early?

You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.