Finance Information

Low Finance Options

We offer a range of Low Finance Options, which can be spread between payments over 6 to 60 months, on all of our musical instruments, equipment and accessories. This includes loans on guitars, pianos, keyboards, drums, DJ gear, PA setups and many more instruments and musical equipment.

So whether you are looking for a guitar, keyboard, piano, drum kit or the latest music tech, we have a finance option for you! Simply decide on however much or little you wish to deposit and choose over what period. We even offer 0% deposits, so you won't have to pay a penny until your first payment is due! All of our finance options are available both online and in store, with loans available on all products or basket values from £250 to £15,000.

If you wish to make a purchase over £15,000.00 and would like to spread the cost we have Leasing options available up to the value of £10,000,000.00 with felexible rates an terms to fit your particular needs. (Contact us for details)

When purchasing online, simply select the "Low Finance Options" button on the product page and fill in the form which appears, or select "Apply for Finance" as your payment option once you reach checkout (minimum basket value £250). In any of our Rimmers Music stores, simply ask a member of staff about finance before paying and they will happily help you fill the form in and guide you through the process. 

Please Note: If an agreement is completed online or via a mail order agreement the order can only be delivered to the registered home address on the finance agreement. This is a proof of address and fraud and theft prevention.

Finance at Rimmers Music

V12 Classic Credit & Interest Free Finance Options

Our V12 finance options include low rate options over long periods, as well as a 0% finance option over 6 months. All of our finance options are available on products or basket values from £250 with 0% deposits required, whilst the maximum loan amount online is £15,000.

PeriodMin DepositMin LoanMax Loan
60 months (15.9% APR)0%£250£15,000
48 months (15.9% APR)0%£250£15,000
36 months (15.9% APR)0%£250£15,000
24 months (15.9% APR)0%£250£15,000
6 months (0% APR)
Selected Products Only

Any of the payment options above can be used to purchase either a single product or basket which totals from £250 (with a 0% deposit), up to any amount so long as the loan amount comes to no more than £15,000 after the deposit. Please note that the maximum loan amount available online is £15,000, however we are able to offer you finance loans up to £200,000 (subject to status). Please visit us in store or contact us for further information.

Finance Examples

Here are some examples of payment plans over 60 months, 24 months and 6 month periods with a breakdown on what you can expect to pay each month. (With Representive APR's)

Finance PeriodOrder ValueDepositMonthly PaymentsTotal Amount PayableRespesentive
60 months£1,000Nil£23.71£1,422.6015.9% APR
60 months£1,000£100£21.34£1,380.0415.9% APR
24 months£1,000Nil£48.41£1,161.8415.9% APR
24 months£1,000£100£43.57£1,145.6815.9% APR
6 months
(Selected Products)
£1,000Nil£166.67£1,000.000% APR
6 months
(Selected Products)
£1,000£100£150.00£1,000.000% APR

As you can see, taking out the loan over a longer period means much smaller monthly payments! This means you could buy your dream Fender Stratocaster or a Yamaha Digital Piano, and pay less per month than your mobile contract! But it's not just guitars and pianos, we offer finance on all musical instruments and equipment!

Kawai Interest Free Finance Options

For a limited time, we are also offering special interest free finance options on Kawai products. Just like our other finance options, these are available both in store and online, and work in exactly the same way. Kawai interest free finance can be spread over 9, 12, 18, 24 months.
Please note that unlike our other finance options, the minimum loan amount for these options varies, whilst the maximum loan amount is £12,000.

Finance PeriodMin DepositMin LoanMax Loan
Kawai 24 months (0% APR)10%£350£12,000
Kawai 18 months (0% APR)10%£350£12,000
Kawai 12 months (0% APR)10%£350£12,000
Kawai 9 months (0% APR)10%£350£12,000

Any of the payment options above can be used to purchase either a single product or basket which totals from the minimum loan amount (with a 10% deposit), up to any amount so long as the loan amount comes to no more than £12,000 after the deposit.

Please note: Kawai finance can only be applied to Kawai products, or baskets containing Kawai products only.

How To Apply For Finance

It's really easy, you can apply either in store or online for an instant decision!

To apply online:

  • Add item(s) to your shopping basket, totalling at least £250
  • Click the 'Low Finance Options' button, either from the product page or at checkout
  • Select your finance options using the form which appears.
  • During checkout you'll be taken to the V12 website to fill in your billing details.
  • Once completed and approved you'll return to our checkout page to complete payment of your deposit.

For in-store applications:

  • Simply visit any of our stores and ask a member of staff. The application process takes no more than a few minutes and, if approved, you can take your purchase away with you there and then. The only form of identification we require is your credit or debit card.

Finance is subject to status and you must fulfil the following criteria:

  • Be 18 years old. If you are under 18, your parent or guardian can apply for finance on your behalf.
  • Be a permanent UK resident
  • Hold a bank or building society account capable of handling direct debit payments.
  • The minimum value of the product(s) must be over £250.

Written details available upon request.

Lease Purchase Available

We offer a variety of leasing options via SYSCAP Leasing Company. They specialise is personal and business leasing for amounts between £10,000.00 and £10,000,000.00. This enables easy payment terms for all our more expensive products, or if you wish to purchase a number of items for your home, school, restaurant, hotel or business. A Leasing package can be created for your particular need, with flexible terms available. There can be benefits to businesses who wish to lease, such as spreading the cost over longer periods of time and possible Tax savings too. The terms and rates are tailor made to your requirements by SYSCAP on our behalf. Please contact us if you would like details about leasing options.

Take It Away - Arts Council Finance Options

What is  ‘Take it away’?

‘Take it away’ provides 0% Interest Free Loans for a period of 9 months for musical instruments, equipment, software and tuition. This scheme helps you spread the cost to enable you to get the instrument (or tuition) you need and continue with your musical journey. We are proud to be able to offer the “Take It Away” scheme.

Together with partners like us, they look to enable and inspire a life-long love of music.

So how does it work?

You apply for a loan in store (or via an emailed “mail order” agreement, contact us for details). This normally takes less than 10 minutes. And if you’re successful, you can take your instrument home there and then.

How much can you borrow? 

  • In England, you can get an interest-free loan of between £100 and £5,000
  • Loans up to £25,000.00 can be applied for under special circumstances (Ask For Details)What loans can you get?

 What loans can you get?

  • All ‘Take it away’ loans are interest-free. You pay a 10% deposit and spread the remaining balance over 9 monthly instalments.
  • There’s a minimum loan amount of £100 and a maximum loan amount of £5,000

Are you eligible for finance?

  • ‘Take it away’ has loans for musicians of all ages. The core scheme is open to people in England who are 18-25 years old, or over 18 and buying an instrument for a child under 18.
  • In England, our focus is on making musical instruments more accessible for children and young people. You may be asked if you are buying for a child or a young person when you apply for a loan.
  • You will need to be a permanent resident in the UK with a regular income of £5,000 per year.
  • You’ll also need a bank or building society account that’s capable of handling direct debit payments. Remember, loans are subject to status. Terms and conditions apply.

How do you apply for a loan?

  • Just go to one of our stores, or call us to complete a mail order finance agreement.
  • You will need proof of ID and income for instore applications.

If you wish to buy from us, but do not want to use credit/debit cards, cheque or finance, then please contact us for information on other payment and ordering methods. Education / government orders are welcome.

V12 Classic Credit and Interest Free Finance options are provided by V12 Retail Finance, which is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office One Arleston Way, Solihull B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Rimmer Music Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Rimmers Music Ltd is registered in England and Wales 01405070. Registered office:
 Rimmers Music Head Office Unit 18 Centurion Industrial Estate Leyland Lancashire PR25 4GU. Rimmers Music is authorised and regulated by the Financial Conduct Authority. Our registration number is 673065.

If you would like further information regarding online payment and ordering or have any questions, we would be happy to help, please Contact us