Finance

WHY SHOULD I CHOOSE FINANCE?

Can’t wait for that new guitar or need a new amplifier to take on your next tour? We offer a range of finance packages from V12 and Klarna in store and online to help you get the gear you want, without the wait!

Our flexible finance packages have something for everyone from buy now pay later to 0% interest options and more!

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

 

IS THE FINANCE WITH MANSONS GUITAR SHOP?

We can introduce you to a limited number of finance providers: We act as credit broker and not a lender.

 

HOW DO I ASK A QUESTION ABOUT THE CREDIT AGREEMENT?

If you have a question or if there is anything you do not understand regarding the credit agreement, please call the appropriate lender or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

 

HOW LONG DOES IT TAKE TO APPLY ONLINE?

Our online application form is swift and easy to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision soon after. Some applications may take longer to process. If for any reason we can't give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

 

WHAT ARE THE REQUIREMENTS FOR FINANCE?

You must be a permanent UK resident and able to supply 3 years address history. Employment or retired and receive a gross annual income of at least £10,000. Have a good credit history and own a debit or credit card. You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

 

CAN I CANCEL MY CREDIT AGREEMENT IF I CHANGE MY MIND?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

 

WILL THE FINANCE COMPANY PERFORM ANY CREDIT CHECKS?

Yes. A credit check forms part of the automated decision making process.

 

DO I NEED A BANK ACCOUNT?

Yes. You must have a UK bank account capable of accepting Direct Debits.

 

DO I NEED TO PAY A DEPOSIT?

Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

 

HOW DO I REPAY THE LOAN?

Your monthly repayments are collected by Direct Debit.

 

CAN I PAY THE AGREEMENT OFF EARLY?

You have the right to repay all or part of the credit early at any time – you should contact your finance lender for details by phone or e-mail.

 

HOW MUCH DOES THE LOAN COST?

The total cost of the loan is shown on the finance agreement. APR subject to status and available options.

 

ARE THERE ANY OTHER CHANGES?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the lender may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

 

HOW LONG BEFORE I HAVE TO START TO REPAY THE LOAN? 

Your finance lender will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.