V12 Retail Finance

For purchases between 15,229 - 457,000, V12 Finance options are available:

  • 48 Months at 19.90% APR Representative
  • 36 Months at 19.90% APR Representative
  • 24 Months at 19.90% APR Representative
  • 12 Months at 0% APR (available for selected items over 30,000)
  • 6 Months at 0% APR (available for selected items up to 30,428)
Pay with V12 Retail Finance

Representative Example

To help you understand how our V12 finance options work, the examples below are based on a total order value of 30,000:

Finance APR Rep.
 Annual Rate of Interest (Fixed) Deposit to Pay
 Payments
 Total Interest Total Payable
12 Months 0.00% 0.00% (Fixed) No Deposit 12 Months: 2,528.34
No Settlement Fee 		0.00 30,458.00
24 Months 19.90% 10.07% (Fixed) No Deposit 24 Months: 1,523.06
No Settlement Fee 		6,122.44 36,580.44
36 Months 19.90% 10.21% (Fixed) No Deposit 36 Months: 1,096.29
No Settlement Fee 		9,320.44 39,778.44
48 Months 19.90% 10.42% (Fixed) No Deposit 48 Months: 883.52
No Settlement Fee 		12,671.96 43,129.96

How to Apply

Applying for V12 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.

Eligibility & Approval

Finance is available on orders over 15,229 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 & Conditions

Gear4music Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 706272. Gear4music Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

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.