Interest Free Credit

12 Months Interest Free Credit - Representative 0% APR

To help make your purchase as simple as possible, Ackerman Music Ltd offer 12 months INTEREST FREE finance. This is available on most instruments over £385.

You can also find this on our webpages, where you can order online through instant credit.

You will need to pay a minimum 10% deposit and then pay the balance in 12 monthly instalments - completely interest free.

18 and 24 months are also available at very low interest rates (4.9% APR).

You can also include accessories and sheet music as part of your loan to help you manage these costs. So, if you want to start learning the clarinet for example, you could get everything you need, clarinet, music stand, clarinet stand, reeds, cleaning kit and music and spread the cost over 12 months at no extra cost to you!

Applying for a Loan

You can apply for a loan either by visiting one of our shops or phone us on 01273 702444 to apply by mail order.

To apply for a loan you must:

  • be between 18 and 75
  • have a permanent UK address
  • have lived in the UK for the past 3 years
  • provide acceptable ID
  • pay the deposit by chip & pin credit or debit card - the card must be in the name of the person applying

Loan Example

Instrument price

10% deposit

Loan amount

12 monthly repayments of

Interest at 0% APR

Total paid


How much can I apply for?

You can apply for up to £12,000. Total purchase price needs to be over £380 to qualify for credit.

Are there any hidden charges?


When will I know the loan has been accepted?

If the loan is processed by us you will get an instant answer when you apply within one of our shops or by phone. If you are applying by mail-order, we send you the link so you can fill in the form online at your own convenience. If you order your purchase online then instant credit is immediate, as you can do all the paperwork online yourself.

Do I need proof of address or ID?

All you need is a chip & pin debit or credit card.

Who finances the loan?

The loan is through V12 Retail Finance:

V12 Retail Finance Ltd.
One Arleston Way
B90 4LH

Can I take the instrument home immediately?

Yes, once you have signed the agreement and paid your deposit.

Will an order placed on the phone be delivered?

Yes, the order will be delivered to the address on the credit agreement and must be signed for by someone at that address.

How do I apply?

Go to the webpage of your selected ionstrument. You should find a link where you can apply for finance directly.

Visit one of our shops or phone us on 01273 702444. Finance can also be arranged by mail-order - we send you the link so that you can enter your personal details online at your own convenience.

Offer subject to age and status. Terms and conditions apply. Finance is arranged through V12 Retail Finance Ltd..
Registered in England and Wales 4585692. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised and regulated by the Financial Conduct Authority,

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