Instead of paying for your gear up front, you can spread the payments out over anything from 9 to 36 months.


How do repayments work?

Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until a month after you have received your order.

Cooling Off Period

You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Sound Affects and pay for the order via an alternative means (i.e. a credit card). Sound Affects will then cancel your credit agreement and V12 will return your deposit. If you don't wish to keep the goods, then you must return your order to Sound Affects in the same condition that you received it, at which point Sound Affects will cancel the agreement and V12 will return your deposit.

V12 Finance & Moneyway

Moneyway is a trading name of 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. More information is available at

We've partnered with V12 Retail Finance as they specialise in Musical Instruments and provide a simple and easy application process. V12 Finance provides our instant online finance credit check. They communicate with Moneyway on Sound Affects' behalf in order to provide you with a finance agreement. Full details regarding our online finance offers are available on

If you have any queries about finance then please get in touch!


Example Repayment:

0% Interest, Short Term

0% Finance over 9 months
Total Order Value = £1000
10% deposit = £100
Balance over 9 months = £100/mth
Total repayable £1000
Interest charged £0.00