When shopping with GAK, our Finance Partner V12 has 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.
Please note: some finance options have fixed deposit amounts and some allow you to choose the value of your deposit from 10 - 50% of the value of the order. All deposits will be charged upon approval at the time of the application and paid directly to V12 Finance.
When opting for Interest-Free Finance, there are no extra costs or hidden fees. The price you see is the price you pay. Only available on selected products, subject to terms and conditions.
We offer a low rate and highly competitive interest-bearing finance option. You'll find a 19.9% package on baskets over £500 and under £15,000 for 12, 24, 36 & 48 month terms.
A great way to get hold of your dream instruments and worry about paying for them later down the line.
*Subject to status. Terms and conditions apply. Only available to UK residents over 18. Minimum spend applies.
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: orders can only be shipped to the billing/agreement address.
Frequently Asked Questions
How do I know if I am eligible for finance?
To apply for finance you must be...
- 18 years of age
- A permanent UK Mainland resident
- In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment
- In receipt of a pension (if retired)
- Able to confirm sufficient income if you are registered disabled
- Hold a bank or building society account capable of handling direct debit payments
Who is the finance provider?
Finance is supplied by V12 Retail Finance. Its secure and friendly online system can provide you with a decision in seconds.
GAK.co.uk act as a credit broker and not a lender 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 Secure Trust Bank PLC. 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. 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. V12 Retail Finance is a trading name of Secure Trust Bank PLC.
Is there an option to not pay a deposit or pay a larger one?
Yes, you can place any size deposit as long as at least 50% of your order value remains outstanding on your application. No deposit (£0) is available on selected finance options.
Deposit payments are taken at the time of your application, not the date we dispatched.
Can my order be sent to a different address?
Finance orders can only be shipped to the address given in your finance application. If you are not home or are unable to accept your order, our courier will attempt to redeliver.
All finance orders must be delivered and not collected from the courier's depot. No inflight changes can be applied to finance orders.
Can my order be sent to a different address?
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. All finance orders can only be delivered and not collected from our courier's depot. No inflight changes can be applied to any finance orders.
Do you offer finance in-store?
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.
What products are available on finance and are there any exclusions?
Selected products and baskets over £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.
If my application is approved, do I need to print, sign and scan my signature?
No, using V12 is completely hassle-free! All approved finance applications are signed digitally, meaning it's quicker and saves on paper.
When do my repayments start?
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).
Can I pay off the loan early?
Yes, you can with V12 and PayPal Credit. For V12 simply call 02920 468900 and they will help arrange this with you.
When will I get my items?
If your finance application is accepted, you will be able to choose your preferred 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.
Can I return an item on finance?
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: If any items paid on finance are returned and takes the minimum value below £250 then the finance agreement will have to be cancelled and the goods paid outright.
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 contact us if you are unsure how to proceed.
For distance selling:
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.
For faulty 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.
Terms and Conditions:
- You must be 18 or older
- You are in permanent paid employment (over 16 hours per week)
- You have been a resident in the UK for at least 3 years and will continue your residency in the UK
- You have a debit or credit card in your name and registered to your address
- You have a Bank or Building Society current account
- All finance orders must be delivered to the address on the credit agreement
- Finance is available to UK mainland residents only and not to UK Islands or VAT free regions (including the Isle of Wight, Isle of Man and Jersey and Guernsey)
- Online orders will be sent in its entirety within 16 weeks or, we will update you on your application
GAK.CO.UK LTD is registered in England and Wales 04578270. Registered office: 30 - 34 North Street Hailsham East Sussex BN27 1DW. GAK.CO.UK LTD is the broker and not the lender and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. GAK.CO.UK LTD is an appointed representative of The Guitar Amp and Keyboard Centre Limited which is authorised and regulated by the Financial Conduct Authority. GAK.CO.UK LTD FCA registration number is 731400. The Guitar Amp and Keyboard Centre Limited FCA registration number is 684977. Credit provided subject to age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority. V12 Retail Finance Limited Registered in England and Wales 4585692. Registered office: V12 Retail Finance Limited Yorke House, Arleston Way, Solihull, B90 4LH. Authorised and regulated by the Financial Conduct Authority. Our FCA reference number is 679653.