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.
Gibson and Epiphone Financing, Now Through February 22, 2027
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 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 the Gibson and Epiphone Synchrony offers) apply to new, current-pricelist models, 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 credit. 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. See individual applications for full terms, conditions, and interest rate details.
Gibson and Epiphone Synchrony offers, 9/3/2026 through 2/22/2027
0% Interest for 36 Months
** On qualifying Gibson electric and acoustic guitar purchases of $1,599 or more after discounts made with your Synchrony Music & Sound Credit Card between 9/3/2026 – 2/22/2027. Qualifying purchase amount must be on one receipt. 36 equal monthly payments required. Participating retailers only. Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
0% Interest for 24 Months
** On qualifying Gibson electric and acoustic guitar purchases of $1,599 or more after discounts made with your Synchrony Music & Sound Credit Card between 9/3/2026 – 2/22/2027. Qualifying purchase amount must be on one receipt. 24 equal monthly payments required. Participating retailers only. Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
18 Months Special Financing, Deferred Interest
*On qualifying Epiphone electric and acoustic guitar purchases of $499 or more made with your Synchrony Music & Sound credit card from 9/3/2026-2/22/2027. Qualifying purchase amount must be on one receipt. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. Minimum monthly payments required. Participating Retailers Only. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
