FINANCE OPTIONS

We offer two different methods of financing. Take It Away and Klarna. For more information on these two methods please look below:

Take It Away:

How to buy something with Take it away?

1. Choose your instrument
The Sound Garden has knowledgeable staff who will help you find the
perfect instrument, equipment and tech to suit your needs.

2. Complete the application form
If applying in-store, take proof of ID (passport or driver’s license) and let
staff know that you would like to pay using Take it away. This involves a
credit check being carried out on you; you will need to pay a deposit
(minimum 10%). Alternatively, if you are applying online, you should see the
option to select Take it away when checking out.

3. Get playing!
If your application has been approved and you’ve paid your deposit, there’s
only one more thing to do – Take your instrument away and get playing!

Am I eligible?

As a passion for music-making can develop at any time of life, we have
interest-free loans to support musicians of every age.
All applicants must:
• Be over 18 years old
• Be a UK resident with a UK address history for the last 3 years
• Have a gross annual income of at least £5,000
• Hold a bank or building society account capable of handling direct debit
payments
Loans are subject to status. Terms and conditions apply.

 

How much can I borrow?

In England, you can get a Take it away interest free loan of between £100 and £2,500.
If the cost of the instrument/s you want to buy exceed the loan limit, you can
use Take it away as a part-payment towards the instrument/s. You would then
need to pay the remaining balance by an alternative method. It is not possible
to split the cost of an instrument/s over more than one loan application.

 

Klarna:

Pay in 3

Split your purchases into 3 interest-free monthly payments. The first payment is made at the point of purchase, with the remaining payments scheduled automatically every 30 days. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule, but you can make early payments anytime you wish.

Log in to the Klarna app to extend your due date. If you postpone your due date any upcoming payments for this order will be rescheduled to be withdrawn monthly from the new payment date.

The pending authorisation hold is released when the first payment is charged. Depending on your bank it can take 5 to 7 days for this to be reflected on your account.

 

Pay in 30

Make a purchase and wait for it to be delivered before paying. You only have to pay for what you keep.

Log in to the app for an overview of all your purchases. Navigate to Settings and follow the prompts to set up Autopay to ensure you never miss a payment.

Good to know: Missed payments and unpaid debts can incur fees and may be sent to debt collection.

 

What is Financing and how does it work?

Financing allows you to pay for your purchase in several fixed monthly payments for up to 36 months.

How to finance your purchase:

  1. Select the Klarna Financing option at checkout

  2. Choose your preferred timeline and agreed interest rate

  3. Follow the steps to complete the application

  4. Get an instant approval decision

  5. Complete your purchase

You’ll receive an email from Klarna with your payment plan when the store ships your order.

Good to Know:

  •  A credit check will be performed when you apply for Klarna Financing options.

  • Late or missing repayments may be subject to late fees.

When do I pay?

Your first Financing payment will be due one month after The Sound Garden processes your order and then monthly thereafter on the same date each month until your statement is fully paid.

Log in to the Klarna app view your statements and upcoming payments.

Read the Klarna Terms & Conditions for more detailed information about Financing & APR rates.