Pay using finance

To help you pay for your musical instruments we offer a number of finance options. If you spend a minimum of £250 you can choose to pay over 12, 24 0r 36 months. If you are buying a Roland product you can take advantage of their 0% finance offer; 6 months min loan £315 | 9 months min loan £750 | 24 months min loan £1400 | 36 months min loan £1800.

Representative example;

This is a £475 loan, your monthly repayments will be £21.81 for 24 months. The total amount payable is £523.44. The cost for credit (interest and charges) is £48.44. APR 9.9% representative.

How to apply

The application process is fast and you will normally get an instant decision. Simply add your product to the cart and then at check out select "pay by finance" This will start your V12 application. The process is straightforward and takes around 10 minutes. It is useful to have information such as current address, bank details, debit card to hand.

Are you Eligible

In the first instance please make sure that you are;

Website applications


If approved the decision will show on your screen, along with the next steps you will need to take, for example, pay a deposit if required, carry out the identity verification and eSign the credit agreement.


If declined you will be given an option to print off the information page about declined applications. This will give you more detailed advice as to what to do next. If you wish to appeal the decision made by V12, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12. Due to data protection, all customer appeals must be emailed to or for more advice, call V12 on 02920 468916.


If the application is more complex, we may need to refer the decision. We should provide a decision within 2 hours. In a small number of cases, it may take longer to carry out additional checks. If we require further information V12 will contact you directly. As soon as V12 have reached a decision we will amend the status of the account in the V12 system and advise you via email.

Who is V12 Finance Limited?

V12 Retail Finance Limited is owned by Secure Trust Bank PLC.V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Secure Trust Bank PLC Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a trading name of Secure Trust Bank PLC. Derosa Music is registered in England and Wales 08462385 Registered office: 1 Tower House, Hoddesdon Hertfordshire, EN11 8UR. Derosa Music acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Derosa Music is authorised and regulated by the Financial Conduct Authority. Our registration number is. Credit provided is subject to age and status.

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