Financing A New Purchase
Looking to upgrade your instrument but not sure how to finance it? We have a range of ideas - some of which you can use together - to help ease the burden on your wallet.
This page is for informational purposes only and does not constitute financial advice. We do not provide financial advice or services. Please consult a qualified financial adviser for guidance tailored to your circumstances.
Take It Away with 0% Finance
Take It Away is an Arts Council initiative designed to help more people get involved in learning and playing music. The scheme allows you to apply for a loan for the purchase of a musical instrument, and pay it back in 9 or 18 monthly instalments completely interest free. Open to UK residents, aged 18-25, or those aged over 25 buying for an under-18. Applicants need to be in permanent employment, working at least 16 hours per week, have been resident in the UK for at least 3 years and pass a credit check.
Low-Interest Finance
If you don't qualify for Take It Away because of your age, you can apply for low interest finance. There are representative examples on many products on our website, and you can also use our finance calculator to discover what instrument you may be able to buy based on what you can comfortably afford to pay each month.
Applicants need to be over 18, in permanent employment, working at least 16 hours per week, have been resident in the UK for at least 3 years and pass a credit check. The deposit must be paid by debit or credit card, and for in-store applications we require photographic ID.
Just Flutes (trading as Just Flutes) acts as a credit broker offering finance products from Omni Capital Retail Finance. Just Flutes is authorised and regulated by the Financial Conduct Authority, registration number 764982. Credit is subject to status.
0% Credit Card
It may be preferable to take out a 0% credit card with longer repayment terms than the finance we can offer in store. There are many comparison sites out there, for example Money Supermarket (this is not an affiliate link and we make no money from promoting this particular company).
Personal Finance
There are a number of companies offering personal finance at rates below interest-bearing credit cards. For example, Novuna Personal Finance (this is not an affiliate link and we make no money from promoting this particular company).
Sell Your Old Instrument
We may be able to help you release the value of your current instrument through our Consignment Service. Our commission rate starts at just 15% inc VAT.
Learn More about Selling an Instrument
VAT Assisted Purchase
Many schools and Local Education Authorities (LEAs) offer a VAT Assisted Instrument Purchase Scheme (AIPS). This enables pupils at these schools to purchase an instrument at the ex-VAT price, saving a considerable amount of money!
Grants and Bursaries
There are a number of grants and bursaries available for students who need financial assistance buying an instrument. Our page lists some of the organisations which hand out bursaries, and who they offer support to.