Using Recital to help you buy the instrument you want is straightforward, though many of our customers have questions about the process. Below are some common questions about what you can use our scheme to buy and how the process works. If you don’t find the answers you need below, then please call or email us and one of our experts will be only too happy to help.Apply Now
The people behind Recital have over 20 years’ experience in the classical music industry. Recital was founded to help musicians fund musical instruments.
Recital can help you borrow anything from £500 to £25,000 with repayment terms from between one and eight years. Loans over £25,000 are possible by special arrangement.
The minimum deposit is 10% of the value of the loan.
No, we do not charge any fees to our clients.
Yes you own the instrument in full at all times because any loan will be unsecured.
You can buy any musical instrument, bow, case or accessory with a Recital loan. We can help towards the cost of a combination of items if they are part of a single purchase from a shop.
Recital is only involved with instrument purchases from a professional dealer or shop.
We have developed a successful partnership with an award-winning bank. This relationship means we’ve been able to negotiate very attractive terms for our customers which we are delighted to pass on to you. The typical APR is just 9.9%.
Once we have all the information we need you will usually get an answer the same day.
The application usually completed in just a few days.
Recital can work with any reputable music shop who has agreed our terms and conditions. When you make your application, we contact the shop to arrange everything we can on your behalf.
You need to be a UK resident with at least 3 years address history and be in employment working for at least 16 hours per week.
You have the right to repay all or part of the outstanding balance at any time subject to the lenders’ terms and conditions.
Your monthly repayments are made by Direct Debit from a nominated bank account.
Please contact Recital directly and we will endeavor to answer any question you may have.