Instant Online Finance



Applying for finance through our online store is an extremely simple process that will take 5 minutes of your time, and you could have your dream instrument arrive at your door the next day!

We offer 12 months Buy Now, Pay Later finance, as well as 24, 36 and 48 months Classic Credit (14.9% APR). Here's how to apply below:

1. Choose Your Gear

We offer 12 months Buy Now, Pay Later finance, as well as 24, 36 and 48 months Classic Credit (14.9% APR).
As long as the total of your order comes to more than £250.00, you can choose to pay it off using one of our finance plans.

2. Checkout

Once you've added your items to the basket, proceed to the checkout. At Step 3, "Payment", select V12 Retail Finance as your payment option. Here you will be given a list of finance plans, and a detailed breakdown of your repayments.
You can also enter the deposit you wish to put on the item, increasing the deposit reduces the repayments.

3. Apply

Place your order to be taken to the V12 application form. Simply fill out all of the fields, and once you've applied you will be given an instant decision on your credit application.
Once your application has been approved and signed, we will send you a sales receipt email as normal and your order will be processed.



What we offer




Buy Now, Pay Later (BNPL) finance allows you to pay off your dream instrument at your own pace. We offer 12 months BNPL on orders over £250.00.

Signing up for BNPL finance gives you a 12 month deferral period in which to pay off the entire loan amount, and if you choose to pay it off in your deferral period you will pay no interest (a £40.00 settlement fee is payable upon payment of the balance). You can pay off as little or as much as you want, at your own pace, during this period.

Should you choose not to pay off the amount in full during your deferral period, you can pay off your loan over 36 months (19.9% APR). There is a minimum 10% deposit required for all finance applications.



Our Classic Credit options allow you to pay for your order with fixed monthly payments. A full breakdown of your repayment plan will be displayed at the checkout, and on all documentation from V12 upon approval.

Example £480.00 Order
APR 14.90%
Instalment Amount £14.75/month
Repayment Term 36 months
Deposit Amount £48.00
Total Amount Payable £579.00
Total Interest Charged £99.00


KG Music Ltd is registered in the UK SC343715. Registered office: 73 ELGIN STREET, DUNFERMLINE, FIFE, KY12 7SD
KG Music Ltd acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.
KG Music Ltd is authorised and regulated by the Finance Conduct Authority. Our registration number is 0663701. Credit provided subject to age and status.