Whether you're eyeing a top-tier mixer, quality speakers, or a full DJ setup, DJ equipment finance can help you get the equipment you need now, without a large upfront expense.
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Investing in the right DJ equipment can be a huge step forward for your music career or moving your business forward, but the costs can quickly add up. Whether you're eyeing a top-tier mixer, quality speakers, or a full DJ setup, DJ equipment finance can help you get the equipment you need now, without a large upfront expense.
Here’s everything you need to know about financing DJ equipment – including how it works, pros and cons and comparisons of popular options available in the UK.
Taking your DJ business to the next level can be a big investment – going beyond a simple laptop and mixer setup to the ability to put on a real show, from speakers and lights, to monitors and turntables. DJKit puts the cost of a high-end rig starting at £5,000, with prices rising in line with the scale of your plans.
DJ equipment finance is a kind of asset finance that allows you to spread out the cost of your setup, making high-quality gear accessible without emptying your bank account. With flexible payment options and terms, you can keep an eye on your cash flow, and, in many cases, take advantage of interest-free offers.
When financing DJ equipment, you’ll find options like 0% finance, instalment plans, and even “buy now, pay later” arrangements. Here’s a look at what popular providers offer and what you should consider when selecting a plan.
Interest-free finance can be useful for spreading the cost without additional charges. Each provider sets minimum order values – for instance, DJKit requires a minimum spend of £500, while Bop DJ allows interest-free finance from £270. The main consideration with 0% finance is to ensure timely monthly payments, as missed payments can incur penalties or affect credit.
If you prefer to spread payments over a longer term, interest-bearing plans are also available. DJKit offers a 16.9% APR on 24- or 36-month terms, while DJ Tech Direct’s APR varies from 9.9% to 14.9% depending on the length of the loan.
Certain providers, like Bop DJ, may not require a deposit for online applications, while others, like DJ Tech Direct, request a minimum deposit of 10%. This flexibility can be helpful if you’re looking to finance the entire cost of your purchase upfront.
The right finance plan will depend on your budget, the type of equipment you need, and your credit profile. Here’s a quick guide to help you make the best choice:
Most applications are straightforward, often with a quick online form. Here’s what you typically need to apply:
If your credit isn’t perfect, don’t worry – there are still options. While some providers may require a high credit score, others like Omni Capital and Novuna may consider applications with more flexible criteria. Always review the requirements carefully to avoid unnecessary hard credit checks, as too many in a short period can impact your score.
Whether you’re just starting out or looking to expand your kit, DJ equipment finance can make quality gear more accessible. With interest-free options and flexible repayment terms, you can find a plan that lets you focus on creating the perfect mix rather than worrying about upfront costs.
If you’re looking to finance your business beyond just DJ equipment, such as investing in a vehicle, marketing or premises, then an iwoca Flexi-Loan can give you the flexibility you need to invest in your future, with approvals in as little as 24hrs,
Find out how much you could borrow with our business loans calculator.
