How
it works.
Step 1
Find a shop
Browse our network of over 100 music retailers across England and Northern Ireland—online or in person.
Step 2
Pick your gear
Our network of shops have knowledgeable staff who will help you find the perfect instrument, equipment and tech to suit your needs.
Step 3
Apply
In-store? Bring ID and let them know you’re using Take it away. Online? Just select us at checkout. A quick credit check and a 10% deposit get things rolling.
Step 4
Start playing!
Once approved and your deposit’s paid, Take it away and make some noise.
Get started with Take it away
What else do you need to know?
What can I buy?
Anything that empowers you make music—new or reconditioned instruments, equipment, software, even tuition and practice room hire. Shop in-store or online with a Take it away retailer and use your interest-free loan to fund your musical journey, from accordians to xylophones, and everything in between.
Am I eligible?
If you live in England or Northern Ireland and love making music, chances are yes! We If you live in the UK and love making music, chances are yes! We offer interest-free loans for adults of all ages.
To apply, you must:
- Be 18+
- Live in the UK permanently, with a minimum of 3 years confirmable address history
- Earn over £5,000 a year
- Have a bank or building society account for direct debit
- Loans are subject to status. Terms and conditions apply.
How much can I borrow?
In England, you can borrow £100–£5,000 interest-free.
In Northern Ireland, borrow £100-£2,000 interest-free.
Need more? Use Take it away as part-payment and cover the rest another way. (One loan per purchase.)
Some shops also offer interest-free credit up to £25,000 for eligible customers aged 18+. Ask in-store for details.
Who runs Take it away?
Take it away is operated by Creative United, a Community Interest Company funded by Arts Counil England, with a mission to build a sustainable and resilient creative economy. Credit is provided by our partners Omni Capital Retail Finance.
More questions? Get in touch!
- Click here to view our FAQs
- You can ring us on 020 7759 1111
- Email us with your questions
- Or use our contact form here
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FAQs
Yes, if the retailer has that ability built into their website.
Find a local retailer and ask them if they offer the Take it away scheme.
All applicants also need to be a UK resident with a UK address history that covers the last 3 years and have a gross annual income of at least £5,000.
Students are eligible to apply, provided that they have a part-time job working and have a regular income that exceeds £5,000 per year.
Yes, you can apply for a Take it away loan if you are unemployed, as long as you have a gross annual income of at least £5,000.
Eligible customers over the age of 18 can buy an instrument for other people of any age.
Please note that you will remain responsible for repaying the full loan amount to the bank and that the loan is not transferable to a third party.
If you wish to exercise your right to withdraw from the finance agreement, you must contact Omni Capital Retail Finance within 14 days of signing the agreement. You will need to arrange an alternative payment method for the instrument with Omni Capital Retail Finance within 30 days.
Yes, this can be arranged once you have received your welcome email. Contact Omni Capital Retail Finance directly on 0333 240 8317 to do this.
Yes, you can pay the balance of your Take it away loan early and there will be no penalty charge for this. Please call Omni Capital Retail Finance directly on 0333 240 8317 to arrange this.
Yes, there is no limit on the number of times that you can use the scheme. You can have different loans running concurrently, although you would need to pass a separate credit check for each new application. We would advise you to allow at least 3 months between loan applications in order to establish a repayment record with Omni Capital Retail Finance.
If you have any questions about your repayment schedule, please call Omni Capital Retail Finance on 0333 240 8317.
You can also manage your payments on the Omni Self Service Portal. Registration details can be found in the Welcome Pack that was sent to you after you completed your application.
You can reapply for a Take it away loan after 30 days if you are declined.
If you would like to appeal the decision, please contact the Underwriting team.
This will normally be around 30 days from the date of your purchase, but you will receive a welcome email from Omni Capital Retail Finance providing details of your repayment schedule.
Yes. The Take it away loan can be used a part-payment towards an instrument if the total cost exceeds the amount that you are permitted to borrow in store. You would have to arrange to pay the difference by another means (e.g. by paying a larger deposit). However, you cannot use multiple loans to cover the cost of an instrument which costs more than £5000 in England, £2000 in Northern Ireland, or more than £25,000 at selected retailers.
Yes, provided that the instrument is being sold through an approved Take it away retailer.
This will depend on the services available through the shop in which you are making your purchase. If the store offers a block of lessons these can be added to your loan as an additional service. Please ask for details when making your purchase.
Yes, a minimum deposit of 10% is required. The maximum deposit is 50%.
Yes. Omni Capital offers interest-bearing credit products outside of the Take it away scheme, allowing you to offer a flexible range of finance terms (up to 60 months) to suit different customer needs.
Yes, the scheme is designed to support both in-store and online sales, subject to your approval and ecommerce compatibility.
You must apply through Creative United. Membership is free but subject to assessment by both Creative United and Omni Capital. To qualify:
- Your business must have been trading for at least 1 year.
- You must have a minimum company net worth of £25,000.
Customers can apply:
- In store
- Online (depending on your setup)
- By phone (depending on your setup)
- Subsidised credit rates supported by Arts Council England and Arts Council of Northern Ireland.
- Free marketing support, including POS materials and digital promotion.
- Access to a growing customer base looking for flexible finance options.
For current rates, please contact our Membership Development Manager on info@takeitaway.org.uk
- Aged 18+
- Permanent UK resident with 3+ years of address history
- Minimum gross annual income of £5,000 (employment not required)
Take it away’s competitive subsidised rates are available to customers:
- In England
9-month loans: £100 to £2,500 - 18-month loans: £200 to £5,000 (requires FCA authorisation)
In Northern Ireland - 9-month loans: £100 to £2,000
Unsubsidised Interest Free Credit (IFC)
In addition to the subsidised 9- and 18-month products, the following 9- and 18- month options are available, allowing retailers offer IFC for higher priced products, up to a value of £25,000 to a wider customer base.
Unsubsidised Interest-Bearing Credit (IBC)
In addition, Omni Capital can also offer Interest-Bearing products outside of the Take it away scheme. These enable retailers to offer a mix of Interest Free and Interest-Bearing products to suit the needs of their customers and their business.
Take it away provides interest-free loans to customers for purchasing musical instruments, equipment, and related services. It's designed to make music-making more accessible and is operated by Creative United in partnership with Omni Capital Retail Finance.
Yes, if the retailer has that ability built into their website.
Find a local retailer and ask them if they offer the Take it away scheme.
All applicants also need to be a UK resident with a UK address history that covers the last 3 years and have a gross annual income of at least £5,000.
Students are eligible to apply, provided that they have a part-time job working and have a regular income that exceeds £5,000 per year.
Yes, you can apply for a Take it away loan if you are unemployed, as long as you have a gross annual income of at least £5,000.
Eligible customers over the age of 18 can buy an instrument for other people of any age.
Please note that you will remain responsible for repaying the full loan amount to the bank and that the loan is not transferable to a third party.
If you wish to exercise your right to withdraw from the finance agreement, you must contact Omni Capital Retail Finance within 14 days of signing the agreement. You will need to arrange an alternative payment method for the instrument with Omni Capital Retail Finance within 30 days.
Yes, this can be arranged once you have received your welcome email. Contact Omni Capital Retail Finance directly on 0333 240 8317 to do this.
Yes, you can pay the balance of your Take it away loan early and there will be no penalty charge for this. Please call Omni Capital Retail Finance directly on 0333 240 8317 to arrange this.
Yes, there is no limit on the number of times that you can use the scheme. You can have different loans running concurrently, although you would need to pass a separate credit check for each new application. We would advise you to allow at least 3 months between loan applications in order to establish a repayment record with Omni Capital Retail Finance.
If you have any questions about your repayment schedule, please call Omni Capital Retail Finance on 0333 240 8317.
You can also manage your payments on the Omni Self Service Portal. Registration details can be found in the Welcome Pack that was sent to you after you completed your application.
You can reapply for a Take it away loan after 30 days if you are declined.
If you would like to appeal the decision, please contact the Underwriting team.
This will normally be around 30 days from the date of your purchase, but you will receive a welcome email from Omni Capital Retail Finance providing details of your repayment schedule.
Yes. The Take it away loan can be used a part-payment towards an instrument if the total cost exceeds the amount that you are permitted to borrow in store. You would have to arrange to pay the difference by another means (e.g. by paying a larger deposit). However, you cannot use multiple loans to cover the cost of an instrument which costs more than £5000 in England, £2000 in Northern Ireland, or more than £25,000 at selected retailers.
Yes, provided that the instrument is being sold through an approved Take it away retailer.
This will depend on the services available through the shop in which you are making your purchase. If the store offers a block of lessons these can be added to your loan as an additional service. Please ask for details when making your purchase.
Yes, a minimum deposit of 10% is required. The maximum deposit is 50%.
Yes. Omni Capital offers interest-bearing credit products outside of the Take it away scheme, allowing you to offer a flexible range of finance terms (up to 60 months) to suit different customer needs.
Yes, the scheme is designed to support both in-store and online sales, subject to your approval and ecommerce compatibility.
You must apply through Creative United. Membership is free but subject to assessment by both Creative United and Omni Capital. To qualify:
- Your business must have been trading for at least 1 year.
- You must have a minimum company net worth of £25,000.
Customers can apply:
- In store
- Online (depending on your setup)
- By phone (depending on your setup)
- Subsidised credit rates supported by Arts Council England and Arts Council of Northern Ireland.
- Free marketing support, including POS materials and digital promotion.
- Access to a growing customer base looking for flexible finance options.
For current rates, please contact our Membership Development Manager on info@takeitaway.org.uk
- Aged 18+
- Permanent UK resident with 3+ years of address history
- Minimum gross annual income of £5,000 (employment not required)
Take it away’s competitive subsidised rates are available to customers:
- In England
9-month loans: £100 to £2,500 - 18-month loans: £200 to £5,000 (requires FCA authorisation)
In Northern Ireland - 9-month loans: £100 to £2,000
Unsubsidised Interest Free Credit (IFC)
In addition to the subsidised 9- and 18-month products, the following 9- and 18- month options are available, allowing retailers offer IFC for higher priced products, up to a value of £25,000 to a wider customer base.
Unsubsidised Interest-Bearing Credit (IBC)
In addition, Omni Capital can also offer Interest-Bearing products outside of the Take it away scheme. These enable retailers to offer a mix of Interest Free and Interest-Bearing products to suit the needs of their customers and their business.
Take it away provides interest-free loans to customers for purchasing musical instruments, equipment, and related services. It's designed to make music-making more accessible and is operated by Creative United in partnership with Omni Capital Retail Finance.