I got an expensive taste and I rather get something now and pay it off than save up for it.
So basically a GAS problem and not enough cash flow.
In America it’s pretty normal to be in debt and to buy things on credit right? In Europe not so much.
There are to my knowledge no stores in Europe anymore that let you buy on credit without jumping through a lot of hoops with a lot of hassle.
Tips anyone?
Seriously? It’s ridiculously easy to get into debt in the UK – I have, regrettably, plenty of first hand experience of this. But why would you want to? Seems like a silly question, if you ask me.
No real tips other than definitely feeling like I see way more of the Klarna/PayPal sort of casual credit i.e. Pay in 3 or 4 now, also in Europe. I think I prefer this to the 48-month, high APR thing, though yeah, not so great for expensive equipment.
knowing people who deal with or have lived with the stress of debt, and also personally not having had money to do things like buy books in college, etc., i will say that you’re better off not getting into debt at all. it’s not worth it.
From my experience at least here in Finland almost every store offers a Klarna deal or similar long term payment plan. I just got out of my own debt as I paid the last instalment of my Boss RC-600 earlier this week. Thomann is probably the only music store that does NOT offer a payment plan option.
I do see a lot of Klarna online but I believe that only provides a few days delay to pay the bill in full?
I’m looking for European music stores that allow monthly payments.
With you 100%
I understand, and the big stores like Bax and Thomann don’t offer this. DV247/musicstore does.
Otherwise one can check-out via PayPal and apply for credit via them.
I’ve bought an MPC Live II Retro edition which cost me 1200€ and Klarna would’ve been happy with me paying 30€ every month. i wanted to get rid of the debt faster so I paid 200-400€ per month but I guess it depends on your whereabouts and whatnot.
Don’t do it unless you already have enough to cover it, and can get an interest rate of 0%. Getting it now isn’t worth paying extra.
Andertons in the UK offer credit through V12, including a 9-month 0% options, which I’ve used twice. You can pay the balance off early too. A few of the others use Klama. I have no experience with them.
Like I said, expensive taste, don’t want to wait and save money.
It also allows me to buy something that I can’t afford right now.
As long as there’s no extra cost on top of the original price involved than I see not much danger laying ahead. I could always sell it again and see the money lost as part of my time renting the gear.
I don’t like creditcards etc as they can make people go into serious problems. I’ll keep far away from those things. 
This is interesting. So credit has become hard to get in the uk? How do you get a good credit rating without credit?
the first electronic music gear i ever bought was via store payment plan/credit. GAS struck, i was a poor student, and i made the impulsive purchase. it ended up costing way more than it should have. i still have it but regret that decision, even though that money and time are long gone.
even paypal offers pay it in 3 instalments, it always pops up as an option
Can’t you get a credit card?
You say you don’t like them but why would being in credit to a store cause you any more or less problems? It will be the same underwriters and same debt collectors who come around if you don’t pay your bill?
Otherwise, I’m not sure what you’re asking? You want a store to give you credit without due diligence or being backed up by a credit agency because you don’t want to jump through hoops
I’ll add a tale of woe to my above knee-jerk reaction. So, if you’re getting something on credit, you obviously can’t afford it and money is pretty tight month to month. So, I wanted to get a Subharmonicon and couldn’t afford the second-hand prices of around 500 notes, so I got a credit deal and paid the full 699 instead over 9 months. Now, because I couldn’t afford it and money was tight, I got my Subharmonicon and I did end up using it a lot and even created an EP from it. But because I wasn’t in a good place, I was forced to sell it after 3 months, which meant I was paying 69 notes every month for a thing I no longer had. Honestly, it’s not worth it.
So if you used the money that you got from selling the subharmonicon and payed of the debt, than the debt left would probably been very limited right?
It’s scary how quickly things can get out of control. It’s really not worth it for a bloody synthesiser.
It’s not hard to get a credit card here. And if you get one and just pay the bill every month, then you get a good credit rating.
Debt is limited in some ways but being a fucking idiot with money, I put myself in a worse position just to get it now. Whereas, if you’re able to just hang on for a couple of months and buy it outright, you will be winning.