0% Credit at Cookes

We offer a variety of credit terms to suit you, including: 

* INTEREST FREE CREDIT with low deposit 

* 4 or 5 YEARS TO PAY with lower payments and deposit 

Typical terms are shown BUT we can be flexible and fit our terms to your needs. Just contact us and we can discuss how we can help you get the right instrument or piano with affordable payments, or even no payments at all for a period. 

10 Payments
Interest Free
24 Months
Interest Free
36 Months
Interest Free
3, 4 or 5 Years
Musical instruments over £90. All pianos and digital pianos Musical instruments and pianos over £200 Selected pianos and digital pianos Traditional and digital pianos
Just divide the price by 10 and you know the payments Only 10% deposit and 24 payments Only 10% deposit and 36 payments Only 10% deposit and 36, 48 or 60 payments
Typical guitar - £200
Deposit £20 and
£20 monthly
Typical instrument - £369.00
Deposit £36.90 and 24 monthly payments
of £13.84
Typical instrument - £3999.00
Deposit £399.90 and 36 monthly payments
of £99.97
Typical piano of £2499.00
Deposit £249.90 and 60 payments of £46.85
Easy to calculate and easy to pay No interest makes the payments low No interest makes the payments low APR 9.6%
APR 0% APR 0% APR 0%  

4 or 5 year credit terms depend on the instrument or piano selected but offer a very low interest charge. 

We offer credit to the whole of mainland Great Britain, but the terms may vary in some areas. Written quotations are available on request. Subject to status.

ID required to apply for Rental & Credit Applications

Essential ID:

  • Proof of current address e.g. valid driving licence or a recent utility bill (last 3 months)
  • Photo ID e.g. Valid driving licence, passport etc…
  • Proof of employment

Desired ID:

  • Student ID, University ID, NHS card…


To apply for credit or rental, add the items to your basket and select either Apply for our 0% Credit Scheme or Apply for Money Back Rental at checkout

I am a student what do I need to apply for credit?

  • Address during term time
  • Address during holidays
  • College/university name and address
  • Student email address
  • Course being studied
  • Tutor’s name
  • How long you have left of the course

I am self employed what do I need to apply for credit?

  • Business address
  • Contact number
  • 2 business referees including an accountant if possible. Name, address, relationship & contact number

I am currently unemployed or between work can I still apply for credit?

  • A guarantor will be required. They will need to complete a pink application to allow us to run a credit check and sign a guarantor agreement
  • Proof of current address and details of a nearest relative will still be required

Partner/Parents to take out agreement

What information will you require if I am a Housewife/husband or Stay at home mum/dad?

  • We need proof of income to finance the agreement (can be a partner living at the same address)