OMNI CAPITAL FINANCE OPTIONS

• Apply for Finance online
• Your application is processed instantly
• No forms to sign
• Receive your order next working day if payment is authorised successfully before 2pm*
• Repayments start 1 month after you receive your goods

* If your item is in stock (Stock enquiries can be made by calling Drumshack - 0207 228 1000)

Drumshack offer a range of online finance packages to help you get exactly what you want, on all eligible orders from £112. Options are available for repayments over 9 months, 12 months, 24 months, 36 months 48 months and 60 months. For eligible “Take it away” customers, 9 months finance is interest-free. Simply find the package which best suits you by choosing from our range of shorter or longer, interest-free or interest-bearing terms. Please note, different finance offers may also be available in store, including Take It Away 9 Months 0% Interest when buying for someone under 18 years.

Please call 0207 228 1000 and talk to our sales staff who can help you carry out in-store finance or to complete a mail-order finance agreement over the phone.

The online finance application process is instant - there are no forms for you to sign, and you will be informed immediately whether or not you have been successfully approved for credit. Your order will be ready for dispatch in the same time it would take to pay by credit/debit card.

What rates of Finance can I get at Drumshack?

You can see what finance options are available when viewing a product where finance could be applied. The following rates are what we currently offer:

• 9 Months @ 0% APR ( Take It Away Scheme )*
• 12 months @ 10.9% APR***
• 12 months @ 19.9% APR****
• 24 months @ 19.9% APR****
• 36 months @ 19.9% APR****
• 48 months @ 19.9% APR****
• 60 months @ 19.9% APR****

• * Applicants must be between over 18 years old to apply online or be purchasing for someone under 18 - please select the correct option during the checkout process. Please view product exceptions below before proceeding with your application. This offer is available if your loan amount is between £250 and £2,000
• *** The loan value must be between £100 and £25000
• **** The loan value must be between £100 and £25000

Am I Eligible For Finance?

Once you have filled in your online finance application, the details will be assessed and you will receive an instant approval or refusal of credit. Occasionally, orders will be held for manual assessment but you can expect to be notified by email of the credit decision within a few working hours.

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

What is the best finance offer for me?

On every product page (when there is an available finance option) you'll see an option to select our best finance offers for that product. Select an option to see the monthly repayment amount and APR offered. Please note that these options just give an indication of the finance deals available. You make 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, the whole basket will be subject to the best finance options from across all of the items in the basket. The finance options will be visible on the confirmation page if there are any available.

How do I process my finance on the Drumshack website?

It's simple! Just add the products you want to your basket and click the "Checkout" button. Go through the checkout process and once you have finalised your customer information you will be given an option to pay by via Card, PayPal or apply for Finance. On this page you will be prompted to enter your preferred deposit amount and which finance offer you would like to take advantage of. It will display your monthly repayments and APR for the selected plan in real-time.

You will then be taken to the OmniCapital website (branded with the Drumshack Logo). This is where you enter information for your finance application over a secure connection. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. There are no forms to sign! If your finance application is accepted and you pay the deposit, your order will come through to Drumshack and we'll send you the goods. Get approval before 2pm and we'll send your order out the same working day (stock permitting) for next working day delivery! You will be able to track your order through your Drumshack account just like if you were to pay by card.

N.B. When you pay your deposit you will be directed to 3D Secure card authorisation. This is direct bank authorisation for your card where you have to enter a password to verify you are the cardholder. If your card is not registered in either the Verified by Visa or Mastercard Secure password schemes, you will not be able to place your deposit online. You can register your card to the schemes online with Mastercard or Visa. Alternatively, call us on 0207 228 1000.

Online orders using OmniCapital must be delivered to the same address as used in the finance agreement and CANNOT be collected in store.

What about my repayments?

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 a month after you have received your order.

Cooling off period

In line with distance-selling regulations, you have 14 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, you must contact Drumshack and pay for the goods in full using an alternative method, such as your credit card. Once the new payment has been verified, Drumshack will cancel your credit agreement and Omni Capital will return your original deposit.

If you don't wish to keep the goods, then you must return the goods to Drumshack in the same condition that you received it/them (please see our Returns Policy in our Terms and Conditions, regarding the condition of returned goods). When we have received the good(s), Drumshack will cancel the agreement and Omni Capital will return your deposit.

Further Information

http://www.omnicapitalretailfinance.co.uk/
Phone Contact 0333 240 8317
Email - [email protected]

Omni Capital Retail Finance Limited | Registered Office: 10 Norwich Street, London, EC4A 1BD | Registered in England & Wales | Company Registration No. 7232938. Authorised and regulated by the Financial Conduct Authority, Reference Number: 720279

PayPal Pay in 4

We’re pleased to offer PayPal Pay in 4, giving eligible customers the option to spread the cost of purchases over 4 months at 0% interest on orders over £99. Simply choose PayPal at checkout and, if eligible, select Pay in 4.

For full details, eligibility criteria and terms, please visit PayPal Pay in 4 & PayPal Credit information.

PayPal Pay in 4/PayPal Credit is available to eligible UK residents aged 18+. Subject to status, approval and terms and conditions.

Take It Away Finance Options

Take it away aims to make it easier for 18+ year olds to spread the cost of buying a musical instrument with an interest-free loan. Find out how it works, what you can buy, and more below. You can also buy a musical instrument for anyone under 18 years old by signing an agreement stating this.

What else do you need to know?

What Can I Buy?

Take it away finance can be used for a wide range of qualifying musical instruments, equipment, software and certain related services, including new or reconditioned items. Some retailers may also allow eligible additional services, such as tuition blocks or practice room hire, to be included. Please check with the retailer which items and services qualify before you apply.

Am I eligible?

Eligibility depends on your circumstances and the lender’s criteria. Take it away finance is available through participating retailers to eligible applicants aged 18 or over.

To apply, you must:

• Be 18+
• Live in the UK permanently, with a minimum of 3 years verifiable address history
• Earn over £5,000 a year
• Have a good credit history
• Have a bank or building society account for direct debit
• Loans are subject to status. Terms and conditions apply.

How Much Can I Borrow?

The finance options available depend on the retailer, the retailer’s FCA permissions, the product selected and your eligibility. Standard Take it away options are generally as follows:

In England:

• 9-month interest-free finance from £100 to £2,500
• 18-month interest-free finance from £200 to £5,000, where offered by retailers authorised by the FCA to carry on credit broking activities

In Northern Ireland:

• 9-month interest-free finance from £100 to £2,500

If your purchase costs more than the maximum finance amount available to you, you may be able to use Take it away finance as part-payment and pay the balance separately. One loan can be used per purchase. Some selected retailers may also offer other finance options, including higher-value finance up to £25,000 for eligible customers aged 18 or over. Availability, terms and conditions vary by retailer and product. Please ask the retailer for details.

Why Was My Finance Application Declined?

All of our finance agreements are processed by Omni Capital Retail Finance Limited. Upon completion of your application, you'll receive a decision. Should your application for finance be declined by Omni Capital Retail Finance Limited, you will need to contact them directly.

While they can't always discuss specific details over the phone, they may be able to advise why the agreement was declined or if there were any errors made during the application.

http://www.omnicapitalretailfinance.co.uk/
Phone Contact 0333 240 8317
Email - [email protected]

Omni Capital Retail Finance Limited | Registered Office: 10 Norwich Street, London, EC4A 1BD | Registered in England & Wales | Company Registration No. 7232938. Authorised and regulated by the Financial Conduct Authority, Reference Number: 720279

Ineligible Items

There are a number of items which are not classified as 'musical instruments' under the terms of Take it away and so cannot be purchased with the scheme.

These are:

• Pro-audio equipment (recording, mixing, sampling items)
• PA systems
• Computers or computer-based products
• Microphones
• Non-tuition CDs and DVDs
• Concert tickets

Disclaimer

Drumshack Ltd is registered in England and Wales 4767623. Registered office: 34 Trevor Rd, London, SW19 3PW. Drumshack Ltd acts as a credit broker and offers credit products from Castle Trust Bank trading as Omni Capital Retail Finance. Drumshack Ltd is authorised and regulated by the Financial Conduct Authority. Credit provided subject to age and status.