With interest-free loans for musical instruments, equipment, software and tuition, we help to support musicians at every level.

You can buy an instrument using the loan scheme at one of the 130 music shops across England and Northern Ireland. If your local store doesn't offer Take it away, let us know and we can contact them or offer an alternative.

Find your nearest shop

Whether you are a professional musician or just starting out, making music can be tough financially. The cost of instruments and private lessons mean some people never discover the joy of learning and playing music. For disabled musicians who need adapted instruments, the problems can be particularly challenging.

At Take it away, we work with our retail partners, Arts Council England and the Arts Council of Northern Ireland to break down these barriers. A part of Creative United, a community interest company that drives economic growth and social impact in the arts and creative industries, we provide a range of subsidised and non-subsidised loans. These are designed to make learning, playing and participating in music more affordable and open to everyone. Together with our partners, we look to enable and inspire a life-long love of music.

Credit is provided by Omni Capital Retail Finance.

Saxophonist, Dan Brady

Saxophonist, Dan Brady

Key information to help you understand what Take it away is and how it works

Who is Take it away run by?

  • Take it away is operated by Creative United, a not-for-profit Community Interest Company.
  • Creative United is an Arts Council England National Portfolio Organisation
  • Creative United provides a range of financial products and services designed to enable the growth and development of the UK’s cultural and creative industries.
  • Our mission is to build a sustainable and resilient creative economy, making the arts accessible for all.
  • The communities that we serve include creative businesses (including individual artists and creative practitioners), charitable and social enterprises, and other organisations operating within the wider arts and creative industries.

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 in England and Northern Ireland – with subsidised options tailored to children and young adults in England.

All applicants must:

  • Be over 18 years old
  • Be a permanent UK resident
  • Have a regular income that exceeds £5,000 per year
  • 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 £5,000.

The core scheme, which all our shops in England offer, is available to UK residents, who have a regular income that exceeds £5,000 per year and are either 18-25 years old, or over 18 and buying an instrument for a child under 18.

Some participating stores also offer interest free credit up to the value of £25,000 to eligible customers over the age of 18. Speak to your local shop for further details

In England, if the cost of the instrument/s you want to buy exceed the £5,000 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.

In Northern Ireland, you can get a Take it away interest free loan of up to £2,000. The scheme is open to all, regardless of age, as long as you are a resident of Northern Ireland.

Some participating stores also offer interest free credit up to the value of £25,000 to eligible customers over the age of 18. Speak to your local shop for further details

What can I buy?

Our retailers can offer our interest-free loans for musical instruments, equipment, software and tuition. They can offer these in-store and online. 

We don’t set limits on the instruments we fund. Instruments can be new or reconditioned. Indeed, in both England and Northern Ireland, we encourage musical passions of every complexion, from bass guitars to xylophones.

Do you need help choosing which instrument to go for?

See our News & Tips for help

How to buy something with Take it away


Find a local or online shop

Take it away is available through over 130 music instrument shops in England and Northern Ireland. Use our search tool to find the most suitable one.


Choose your instrument

Our network of shops have knowledgeable staff who will help you find the perfect instrument, equipment and tech to suit your needs.


Complete the application form

If applying in-store, take proof of ID and proof of income 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 a deposit (minimum 10%). Alternatively, if you are applying online, you should see the option to select Take it away when checking out.


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!

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