Spread the cost of your next guitar, amp, effects setup or accessory order with flexible finance options through Novuna Personal Finance.
Finance is available on orders of £250 and above.
All finance orders require a minimum 10% deposit.
The online application usually takes around 5 minutes to complete.
Finance orders must be delivered to your billing address.
Through Novuna, we can offer a range of flexible payment plans including Buy Now Pay Later, Interest Free Finance and standard interest-bearing finance over a maximum of 48 months. Once you know which option you are interested in, please contact us and we will send you a secure application link by email.
With Buy Now Pay Later, you can defer the payment for up to 12 months. If you repay the loan within the agreed promotional period, you will not be charged interest, just a £29 settlement fee.
We can offer Interest Free Finance on loans of £500 and above after deposit.
Interest Free Finance is not available on all products. Due to the associated costs incurred by us as a retailer, we are only able to offer interest free finance on selected items. This option may not be available on products that have already been significantly discounted.
We can also offer standard interest-bearing finance over a maximum of 48 months.
Find the item you would like to buy and decide which finance option you are interested in.
Call us on 0141 552 6290 or contact us online and we will send you a secure application link.
Complete the application online. A decision is usually made quickly once the form is completed.
Once approved, we can take your deposit payment and arrange delivery to your billing address.
To apply for finance, you must be over 18, work at least 16 hours per week or be retired with an income, and be a UK resident who has lived in the UK for at least 12 months.
Your monthly repayments will begin one month after your purchase has been delivered.
No. There are no arrangement fees or hidden extras on standard finance plans.
Yes. Credit scoring is used by finance providers to assess applications. If applying through the application link we send, you may initially go through a soft credit check. A hard search may take place if you proceed with the application.
No. To help safeguard against fraudulent applications, finance orders must be delivered to the home address of the applicant.
For shorter-term payment options, eligible customers can also choose Klarna Pay in 3, PayPal Pay in 3 or PayPal Credit at checkout. Availability is decided by the provider and not every option will be offered for every customer or purchase.
Split your purchase into 3 interest-free instalments with Klarna. The first payment is taken when the order is confirmed, with the remaining two payments collected automatically.
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.
Learn more at Klarna
Split an eligible purchase into 3 equal, interest-free monthly payments through PayPal. The first payment is due at checkout, followed by two further monthly payments.
Pay in 3 is a credit agreement. Consider if the purchase is affordable and how you will make repayments. Missing payments may make other borrowing more difficult or more expensive. Eligibility is subject to status and approval. 18+ UK residents only. Terms apply.
Learn more at PayPal
Eligible PayPal Credit customers can receive 0% interest for 4 months on qualifying single purchases of £99 or more where PayPal Credit is offered at checkout.
PayPal Credit is subject to status and approval. The minimum payment remains due during the promotional period. Any qualifying balance remaining after 4 months will be charged interest at the standard variable rate that applies to the customer's PayPal Credit account. Terms apply.
Learn more about PayPal CreditFinance is subject to status and affordability. Terms and conditions apply. Merchant City Music Limited is a credit broker, not a lender.
We do not receive commission for introducing customers to any of the finance providers offered on this website.
Novuna finance is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
Call us on 0141 552 6290 or contact our team and we will be happy to talk you through the available Novuna options.
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