Finance Information

Low Finance Options

We offer a range of Low Finance Options on all of our musical instruments, equipment and accessories. This includes loans on guitars, pianos, keyboards, drums and many more instruments.

So whether you are looking for a guitar, keyboard, piano or digital drum kit, we have a finance option for you! Simply decide how much (or little) you wish to put down as your initial deposit and choose the term that is best for you. 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 flexible 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.

V12 Classic Credit

Any of the payment options above can be used to purchase either a single product or basket which totals from £250 (with no deposit) to £15,000 after the deposit.
Please note that although the maximum loan amount available online is £15,000, 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.

Here are some examples of payment plans over 60 months & 24 months with a breakdown of 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

As you can see, taking out the loan over a longer period means much smaller monthly payments! This means you could buy your dream Guitar or 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!

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.

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 V12 Retail Finance Ltd, Yorke House, 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: Yorke House, 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