We’ve all been there. You pick up a guitar, strike one chord, and feel that instant connection. It’s the one. But maybe dropping the full cash amount today just isn’t in the cards.
We don’t want you to settle for “good enough” gear just because of the upfront cost. That’s why we partner with three trusted lenders to offer true 0% interest financing and flexible payment plans. Whether you need a few months to pay it off or a long-term plan to keep payments tiny, we can help you take the gear home today.
This is the heavy hitter. We’ve worked with United Midwest for over 10 years because they treat musicians right. If you are buying a dream guitar—like a custom Whitfill, a Gibson Custom Shop, or a high-end tube amp—and want the lowest possible monthly payment, this is your best move.
Why You’ll Love It: It’s a simple installment loan with high approval rates. You lock in your term, you know exactly when it will be paid off, and you own the gear free and clear.
Think of this as your “All-Access Pass.” It’s a revolving credit card dedicated to your music gear. Synchrony partners directly with the biggest brands in the world to offer aggressive 0% terms that other lenders can’t touch.
Why You’ll Love It: It keeps your gear budget separate from your daily life. You can save your personal credit cards for groceries and gas, and use this specifically for future upgrades, pedals, or strings.
Perfect if you want to split up a purchase without opening a permanent credit card account or filling out a long application. It is integrated directly into our checkout and product pages. Just click on it and follow the simple process.
Why You’ll Love It: What you see is what you pay. No hidden fees, no late fees. Checking your eligibility performs a “soft pull” on your credit, so it won’t affect your credit score to look.
For Affirm:
You don’t need to do anything extra. Just add the gear to your cart, head to checkout, and select “Affirm” as your payment method.
For United Midwest or Synchrony:
These are specialized, high-value plans, so we handle them with a personal touch to ensure the terms are applied correctly.
Yes. While some specific manufacturer promotions (like 0% for 36 months on Martin) apply to new inventory, our United Midwest plans often cover high-end used and vintage instruments over $850. Affirm can be used on any item in the shop, new or used.
It depends on the lender. Affirm performs a “soft pull” to check eligibility, which does not affect your score. Synchrony and United Midwest are traditional credit applications that will perform a standard inquiry on your credit report.
Absolutely. None of our lending partners charge “pre-payment penalties.” If you want to pay off the balance next week or next year, you are free to do so without any extra fees.
We partner with three different lenders to cover a wide range of credit profiles. While United Midwest and Synchrony generally require good-to-excellent credit for their 0% offers, Affirm provides options for a wider variety of credit histories.
Subject to credit approval. Minimum monthly payments required. United Midwest 0% offer valid only on purchases of $850 or more. Synchrony 36-month offers valid only on specific brands and price thresholds listed above. See individual applications for full terms, conditions, and interest rate details. We aren’t lawyers, we’re guitar players—but the banks are definitely lawyers, so make sure you read their terms before clicking submit!
