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V12 Finance

With GAK, It's Never Been Easier To Apply For Finance!

Your new dream guitar, drum kit, keyboard and recording gear are just a few simple clicks away. Whether you're after brand new instrument for gigging, upgrading your studio setup or levelling up your rehearsals, we've got a range of payment options to help you spread the cost.

If you are looking to lessen the blow of paying out a lump sum or wanting to spread out the cost of your purchase, at GAK we have plenty of finance options for you.

Whether you looking for a finance deal online, in-store or over the phone/email, our GAK Sales Team are experts in finding awesome deals! What's even better, is our GAK Store offers the same Finance Options available online! Use our webchat, contact our direct line or ask in-store about finance and our amazing GAK Product Experts can tell you everything you need to know about our Finance Options.


GAK Finance Providers

GAK Finance
PayPal Credit

We offer everything from 0% interest-free, longer-term low rate and Buy Now Pay Later finance options. You don't need to pay a deposit and no matter which package you opt for, a competitive rate is guaranteed - even on discounted items! Simply spend more than £250 and you'll start finding finance options appear. We even offer PayPal Credit on baskets over £99 for even more payment options!


How To Apply

V12 Finance Journey
  1. Fill your basket with everything you want from GAK and go to the checkout.
  2. During checkout, select the finance option you want as your method of payment.
  3. You will be sent to our finance provider's secure server to complete your application.
  4. Finance provider V12 will use the information provided to make a decision and complete checkout if you are approved.
V12 Finance Example

Finance Options:

When shopping with GAK, we have finance packages to suit almost everyone. Whether you're looking at the immensely popular Interest-Free, the highly competitive Low Rate Classic Credit or the handy Buy Now Pay Later, you can find a convenient payment method to get your dream gear.

Spend anything between £250 and £15,000, place the repayments across 6-48 months and flexible deposit options, there's a finance package for you.

Note: You can choose any deposit amount you like as long as at least 50% of your order value remains outstanding on your application. If you do decide to add a deposit to your V12 applications, this will be charged at the time of approval.

Interest-Free - Spread The Cost At No Extra Cost

When opting for Interest-Free Finance, there are no extra or hidden fees - The price of your basket is what you pay!

IFF is available on selected products from 6 months, subject to terms and conditions. Speak to our team now and we will help you find the best Interest-Free Finance option for you.

Fixed Classic Credit - Longer Term, Lower Monthly Payments

We offer a low rate and highly competitive interest bearing finance option.

You'll find a 15.9% low rate package on baskets over £250 and under £15,00 from 24 months up to 48 months.

Buy Now Pay Later - Take It Today, Pay Down The Line

BNPL is a great way to get hold of your dream instruments and worry about paying for them later down the line.

All BNPL options are 4-year terms, which are 6/42, 9/39 and 12/36.


Representative Examples:

IFF Finance 
Representative Example
Purchase Price£2,000.00Total Repayable£2,000.00
Deposit£200.00Duration of Agreement24 months
Amount of Credit£1800.00Rate of Interest (Fixed)0% pa
24 Monthly Payments£75.000% APR Representative
CC 15.9 
Representative Example
Purchase Price£599.00Total Repayable£797.76
Deposit£0.00Duration of Agreement48 months
Amount of Credit£599.00Rate of Interest (Fixed)8.30% pa
48 Monthly Payments£16.6215.9% APR Representative
Buy Now Pay Later 
Representative Example 1
Purchase Price£350.00Total Repayable£540.00
Deposit£0.00Deferred Term12 months
Amount of Credit£350.00Rate of Interest (Fixed)19.89% pa
36 Monthly Payments£15.0019.89% APR Representative
Buy Now Pay Later 
Representative Example 2
Purchase Price£589.00Total Repayable£864.36
Deposit£0.00Deferred Term6 months
Amount of Credit£589.00Rate of Interest (Fixed)19.89% pa
42 Monthly Payments£20.5819.89% APR Representative

*Buy Now Pay Later Option: The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.

If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period, you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.

If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid, and interest will be charged from the date we told you the agreement was live.

Only available to UK residents over 18, subject to terms and conditions. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply for Finance' as your payment option where you can complete the application form online.


What Happens Next?

If your finance application is accepted we'll process your order. You'll be contacted to arrange a delivery date that suits you. Your finance monthly payments will not start until one month after we have dispatched your items.

Deposit Payments: If you have chosen to add a deposit to your V12 application, payment for the deposit will be taken at the time of approval.

Please note: we cannot ship bike finance orders to any address except the billing address.


Frequently Asked Questions:

Our finance is supplied by V12 Retail Finance. Its secure and friendly online system can provide you with a decision in seconds.

We act as a credit broker for V12 Retail Finance Limited to provide flexible and affordable options to pay for your goods on finance. If your application for finance is successful, you will enter into a Credit Agreement with either Secure Trust Bank PLC or Omni Capital Retail Finance Limited. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 679653 and acts as a credit broker for Secure Trust Bank PLC and Omni Capital Retail Finance Limited. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 720279. V12 Retail Finance is a trading name of Secure Trust Bank PLC.

Yes, you can place any size deposit you want as long as at least 50% of your order value remains outstanding on your application. No deposit (£0) is available on all finance options.

Deposit payments are taken at the time your application is approved (not the date we dispatch goods to you).

Finance orders can only be shipped to the address given in your finance application, which has to be your billing address. If you are not home or are unable to accept your order, our courier will attempt to redeliver. Due to FCA regulations, orders can only be delivered and not collected from our courier's depot.

Yes, our stores do offer finance terms, as do our Mail Order team. Whether you are shopping with us in-store, over the phone, via email/web chat or through our website, you can pay with finance providing you are eligible.

As long as your basket totals a minimum of £250 and under a maximum of £15,000, you will start to see finance options appear. The terms you see are dependant on what products are in your basket, what percentage deposit you are planning to pay and whether a minimum of £250 is being placed on the finance after any deposit amounts.

No, using V12 is completely hassle-free! All approved finance applications are signed digitally, meaning it's quicker and saves on paper.

This is dependant on the finance option you choose. If you opt for an Interest-Free or Classic Credit term, your first repayment will be collected approximately 30 days after you have been settled. All credit applications are valid for 90 days from acceptance. Once you have received your item, the credit application is added to a settlement file, which is sent to the lender at the end of each working day. If you have opted for a BNPL, your payment is deferred for your chosen term, with the date commencing from the receipt of your item(s).

Yes, you can with V12 and PayPal Credit. For V12 simply call 02920 468900 and they will help arrange this with you.

If your finance application is accepted, you will be able to choose your prefered delivery date in the delivery stage of checking out. This could take as little as 1 working day. Read about our Delivery Options for more information.

Yes. You can return any item on finance. To process a refund, please refer to our Returns Policy. Once the order has been received by our Returns Department, it will take V12 between 3-5 days to cancel finance and return your previous payments to your account. Your deposit will be refunded by us.

Please note:

you cannot return an item on finance if it reduces the minimum value of your basket to below £250 for V12 Finance.

We can exchange a like-for-like item or a different product of the same value. Or, we can offer you a voucher of the same value as the item(s) you are returning. This voucher can be used for any item and is valid up to one year.

Please call us on 01273 665400 if you are unsure how to proceed.

Under the Consumer Contracts Regulations 2014, a customer is allowed to return an item if they simply change their mind. A customer has the right to cancel at any time from the moment they place their online order, and up to 14 days from the day they receive the goods. The customer then has a further 14 days from the date they notify the retailer of their cancellation to return the goods. Note, there are exemptions to online returns which include tailor-made/personalised goods.

Under the Consumer Rights Act 2015, a customer has an early right to reject goods that are unsatisfactory quality, unfit for purpose or not as described, and get a full refund. This right is limited to 30 days from the date the customer took ownership of the goods. If an item is faulty and needs to be returned, the customer does not need to pay postage costs for the return of the faulty item. If a customer is asked to return an item that arrived damaged, not as described or faulty, the retailer should refund the total cost of the return.