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Finance at Musicland

0% Finance Available At Musicland 

Why spend days, weeks or years saving up for your dream instrument and equipment when we do so many incredible 0% or low-interest finance options online and in-store?

Our finance options at Musicland and can run up to 36 months, so you can have what you want right now without breaking the bank.

Interest Free Finance

Interest free finance is available on all orders between £200 and £15,000 at If you're after a finance deal whilst you're in-store, ask a Musicland expert and work a superb deal that suits you.

When you're looking at an item costing £200 or more on our website, you'll notice a Finance Options button. When you click it a Loan Calculator will appear. On the Loan Calculator, when you move the slider from left and right, you can see how the monthly repayments will change depending on the amount of deposit you want to place (a minimum of 10% deposit is always required on finance options).

You can also choose how long you want to take to pay back the cost of the item in the drop-down box. We offer:

  • Interest Free Finance - 9 Months. 0% Interest! 
  • Classic Credit - 24 Months. APR 9.9% representative.
  • Classic Credit - 36 Months. APR 9.9% representative.
How To Apply For Finance at

Add your chosen item to the shopping bag.

Proceed to the checkout and fill in your details.

Apply for Finance
Click 'Apply for Finance' in the Payment Information part of the checkout.

Complete a credit application
You will then be redirected to a secure form to complete, sign and submit a credit application.

Credit decision
The lender will then perform a credit check and various other processes culminating in a decision on whether or not to loan.

Pay your deposit
If your credit application is accepted, pay your deposit using a credit or debit card. Upon receipt of this card payment, the credit agreement comes into force.

Sign your Credit Agreement
You will receive an email from V12 to verify your finance option with a digital signature (in-store, you'll have to sign a paper document).

Once you've signed the credit agreement, you will be informed the application process is complete and redirected back to We'll then be authorised to proceed with your order.

Credit applications are valid for 90 days from acceptance. After delivery the credit application is added to a settlement file, which is sent to the lender at the end of each working day. Your first repayment will be collected approximately 30 days after you have been settled.

Other Important Finance Stuff

Consumer credit service is provided by V12. V12 is licensed by the Financial Conduct Authority (FCA registration number: 594229). For more information visit

Don't forget! To apply for finance you must be at least 18 years old (or otherwise you'll have to get a willing parent or guardian to apply for you!), be a permanent UK resident and have a bank or building society account you can set up direct debits from. All applicants for finance options will be subject to a credit check.

Please note, we can only deliver finance orders to the billing address.

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Essex Showroom

 54 North St

Romford Essex


01708 737977

Open Monday to Friday 10am - 6pm

Saturday 9.30am - 5.30pm 

Sunday 11am - 4pm

Bromley Showroom

422 Bromley Rd

Kent BR1 4PL

020 8698 7300 

Open Monday to Saturday 9.30am -5.30pm