Welcome to Rattle & Drum

Finance Options

We are pleased to offer a number of different types of credit through V12 Retail Finance to help spread the cost of buying your music gear, including interest free credit on many items. Applying for finance is a simple and quick process that can be completed online as you go through the checkout process. The credit decision is usually instant, upon acceptance you simply sign electronically, pay your deposit and the items are yours!

How To Apply

Please read the rest of this page to understand which finance option is appropriate for you, or feel free to contact us for advice. Then simply add your product(s) to the basket and begin the checkout process in the normal way. Once you reach the payment stage you will have an option that says Finance (V12). Select this and choose the appropriate finance option for you. Follow the rest of the simple on-screen instructions and you will receive an on-line decision in minutes. Alternatively we can also carry out the application over the phone with you, or via email or in-store if preferred.

Do I qualify?

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years address history.
  • For Take It Away finance you must be working at least 16 hours a week.
  • For all other finance you must be in full time employment, unless retired or a house person with a spouse in full time employment. 
  • You must have a UK bank account capable of accepting Direct Debits. 
  • You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.

Take it Away 0% Finance - For 18-25 year olds or people buying for under 18s

Take It Away is an Arts Council England scheme offering interest free loans of between £100 and £5000 to young musicians to help spread the cost of buying an instrument. Goods totalling between £100 to £2000 are eligible for 9 months interest free with a 10% deposit. Customers placing orders totalling between £800 to £5000 can apply for 18 months interest free if required. 18-25 year olds can apply in their own right, or an individual aged 18 or over can apply to purchase an instrument for a child under 18.

9 Months 0% Finance - For all customers 25 and over

For our customers who are not eligible for the Take It Away scheme we offer a 9 month interest free option on all orders over £500, up to total of £12,000. A minimum 10% deposit is required.

12-36 Months Finance - For all customers 18 and over

For customers who wish to spread the cost of their purchase over a longer period of time or are not eligible for our other finance options we also have our standard interest bearing finance. Loans can be taken from 12-36 months at an interest rate of 19.5% APR. The minimum loan is £250, up to £12,000. These loans are the most flexible we offer and the interest works out a lot less than you might think, often only adding a few pounds to the monthly cost.

*All loans are subject to status.

Finance Calculator

Use this calculator to see which finance option suits your purchase.