Finance Information

Guitarbitz Guitar Shop

Get an Instant Decision with our Online Instant Finance at Guitarbitz Guitar Shop


To help make purchases as easy as possible, Guitarbitz offers a range of great finance packages on guitars, amplifiers and accessories. Get up to 12 months interest-free finance on all orders above £279. You can also opt for longer, interest-bearing terms up to 36 months.

The process begins when you select a finance offer at the checkout. The credit application form is then displayed. A 'credit summary' displays the description of goods and finance details.

After filling in your details, to complete the application you will need to check the e-signature box to sign the credit agreement and submit your application. A decision is returned in around 10 seconds, which means you can complete your purchase, entirely online, in just a few minutes.

And as the agreement is executed online there is no paper, no sending forms in the post and no waiting!

Am I eligible for finance?

The contents of your application will be assessed and you will receive an instant approval or refusal of credit. In exceptional cases, your order will be held for manual assessment and you can expect to be notified by email of the credit decision within a few working hours.

All loans are subject to status and you must be at least 18 years old, Employed and a permanent resident in the UK. Customers from outside the UK cannot apply for finance.

Please note the minimum order value to be eligible for finance is £279.

When paying by finance, we can only deliver your order to your billing address. We cannot make any exceptions to this rule.

What is the best finance deal I can get on this product?

On every product page you'll see a dropdown with our best finance offers for that product. Select an option to see the monthly repayment amount. Please note that these options just give an indication of the finance deals available. You can amend your final decision on which finance package you would like at the checkout stage of our website.

If you have multiple items in your basket, you will be offered the finance options on the total order so long as the total is over £279.

How do I checkout using instant finance?

It's simple!

Just add the products you want to your basket and click the "Checkout" button.

Now you can choose to amend which finance term you'd like to apply for, and change your deposit if you wish.

Go through the checkout process and choose the "Pay4Later" instant finance button.

Now you'll be taken to the Pay4Later web site. This is where your finance application is processed.

Assuming your application is accepted, you'll be able to pay your deposit and confirm your order right there. There are no paper forms to sign so we can process your order immediately.

We will dispatch your items to you via our next working day courier service. Please see our delivery information page for more details.

Please note: we cannot offer a "collect in store" option for online finance purchases.


The Finance Option on the bottom right of the Product Page. By Clicking this you will see the Finance Calculator - see below


Your basket screen – showing finance option bottom right. Click Change to see the Finance Calculator.


The Finance Calculator

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 1 month after you have received your order.

Cooling Off Period

You have 14 calendar 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 Guitarbitz and pay for the order via an alternative means (i.e. credit card). Guitarbitz will then cancel your credit agreement and Pay4Later will return your deposit.

If you do not wish to keep the goods, then you must contact Guitarbitz to request a Returns Authorisation Number. We can only accept items for return if they have not been used, have all of the original packaging, accessories and manuals etc, and are in new, undamaged condition. Once the items are received safely at Guitarbitz, and provided the goods (including packaging, accessories, manuals etc) have not been used, have all of the original packaging and are in new condition and undamaged, we shall then arrange to cancel the finance agreement and Pay4Later will return your deposit.

Pay4Later & Close Brothers

Consumer Credit Service is provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit www.pay4later.com.

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit www.closebrothersretailfinance.co.uk.

  • Interest free finance on Guitars, Amplifiers, Accessories & Equipment

  • Apply Online

  • Get an answer in minutes

  • No paperwork to sign

  • Receive your order tomorrow*

  • Pay only a 10% deposit today

  • Repayments don't start until 1 month after you receive your goods!

Available Finance Packages at Guitarbitz Guitar Shop

The following finance packages are available on our website and in store, on all products over £389




36 MONTHS 19.5% APR


Maximum finance deals

The minimum deposit value is 10%, and the maximum deposit amount for all online finance is 50% of the total transaction value, so long as the remaining amount for finance exceeds £250.


Representative Example Finance Deals

0% Finance over 12 months

Total Order Value = £695

10% deposit = £69.50

Total amount of credit = £625.50

Duration = 12 Months

Monthly repayment amount = £52.13

Total amount payable = £695

Interest charged £0.00

0% APR

9.9% Finance over 24 months

Total Order Value = £695

10% deposit = £69.50

Total amount of credit = £625.50

Duration = 24 Months

Monthly repayment amount = £28.71

Total amount payable = £758.54

Interest charged £63.54

9.9% APR

19.5% Finance over 36 months

Total Order Value = £695

10% deposit = £69.50

Total amount of credit = £625.50

Duration = 36 Months

Monthly repayment amount = £22.60

Total amount payable = £883.10

Interest charged £188.10

19.5% APR

If you require any further information, please call our Customer Service team on 01225319540 and we'll be happy to help.