Financing Options

Music & Arts shares a commitment with band directors and music educators everywhere to help aspiring musicians realize their dream of playing and creating music. Together we work to break down the barriers to learning an instrument and living a life of participation in the arts. Just one of the ways we do that is by providing easy financing options.

Competitive rates and great special promotions enable the musician at any level to purchase the instrument that is right for them. Well-qualified customers receive quick approval and the process is simplified with automatic payments through our EZ-Pay system. It’s just part of our goal to ensure that our 190+ convenient store locations offer music instruments for every budget.

Current 0% Interest Payment Plan

12-month Financing, 0% APR, 20% Down. Valid in-store for well-qualified customers who spend $299 or more on select band, orchestral, OR combo instruments. Customers are required to sign-up for automatic payments (EZ-Pay). Offer valid for well-qualified customers upon approved credit. If customer qualifies, no interest will be charged during the 12-month term. If balance is not paid in full after promotional period ends, late charges will apply and APR becomes 20%. Equal monthly payments are required and will be charged to the credit card selected during the promotional period and until the balance is paid for in full. Brand and other exclusions may apply. See store associate for details or visit www.MusicArts.com/Exclusions. Music & Arts reserves the right to alter or suspend this promotion at any time.

For questions, call customer service at 888-731-5396.

2018 Fall “Upgrade Your Sound” Financing

*10% Off Coupon

10% off $199 or more on select band & orchestra, pianos/keyboards, drums, guitars, pro audio, and amps. Offer valid 10/7/18 - 12/15/18. Maximum discount of $500.00. Does not apply to rental payments, lessons, repair services, taxes, shipping and handling charges or any similar processing charges. Valid on in-stock product only. Non-transferable. No cash value. Not valid with other discounts, gift cards, gift certificates, rebates, prior purchases, clearance or hot deals items or discontinued items. Cannot be combined with rental credit. Coupon may not be applied toward institutional/educator purchases. Other restrictions apply. Visit MusicArts.com/exclusions for details. For questions, call 888-731-5396.

**18-Months and 36-Months Sponsored Financing

*18-month Financing, 0% APR, $0 Down: Vendor-sponsored financing for well-qualified customers who spend $199 during 9/16/18 - 12/15/18. 36-month Financing, 0% APR, $0 Down: Vendor-sponsored financing for well-qualified customers who spend $999 between 10/7/18 - 12/25/18. Total out of pocket spend, after coupon or rental credit is applied, must exceed $199 or $999 (respectively) to qualify for these offers. Customers are required to sign-up for automatic payments (referred to as EZ-Pay). Offer only available to well-qualified customers upon approved credit. Pay $0 down when you purchase a product from the following vendors only: Yamaha; Jupiter: XO, Azumi, Altus, Majestic, Mapex; Backun; Buffet: Buffet Crampon, Besson, Courtois, Keilwerth, Schreiber, Hans Hoyer, Meinl Weston, B&S, Scherzer; Conn-Selmer: Armstrong, Bach, Conn, Selmer Paris, Holton, King, Leblanc, Selmer, Selmer, Yanagisawa; Amadeus; Andreas Eastman, S.E. Shires, Ivan Dunov, Albert Nebel, Eastman Master Series, Wilhelm Klier, Frederich Wyss, Doetsch; P. Mauriat; Haynes; Howard Core: Kohr, Core Series, Core Select, Dragon, Wilfer, Sandner, Christopher, Emanuel Wilfer; Gemeinhardt; Otto Benjamin, Bellafina, Giardinelli, Allora, Strobel, Powell-Sonare, Powell Signature, Tomasi, Ludwig, Ludwig-Musser, Zildjian, Williams, Pearl: Pearl Drums, Pearl Flutes, Pearl Adams; Verve Drums, Jett Drums, Laurel Canyon, Harbinger, Simmons. Additional restrictions and exclusions may apply. For questions, call Customer Service at 888-731-5396.

† All Other 18 Month Brand Financing

18-month Financing, 0% APR, 20% Down: Financing for well-qualified customers who spend $199 or more on select instruments during 9/16/18 - 12/15/18. Customers are required to sign-up for automatic payments (referred to as EZ-Pay). Offer only available to well-qualified customers upon approved credit. If customer qualifies, no interest will be charged during the 18-month term. If balance is not paid in full after promotional period ends, late charges will apply and APR becomes 20%. Equal monthly payments required and will be charged to the credit card selected during the promotional period and until the purchase is paid for in full. Additional restrictions and exclusions may apply. For questions, call Customer Service at 888-731-5396.

Evergreen Financing

12-month Financing, 0% APR, 20% Down. Valid in-store for well-qualified customers who spend $299 or more on select band, orchestral, OR combo instruments. Customers are required to sign-up for automatic payments (EZ-Pay). Offer valid for well-qualified customers upon approved credit. If customer qualifies, no interest will be charged during the 12-month term. If balance is not paid in full after promotional period ends, late charges will apply and APR becomes 20%. Equal monthly payments are required and will be charged to the credit card selected during the promotional period and until the balance is paid for in full. Brand and other exclusions may apply. See store associate for details or visit www.MusicArts.com/Exclusions. Music & Arts reserves the right to alter or suspend this promotion at any time.

Special Educator Pricing

Attend a Horns of Plenty or String Showcase event between 9/16/18 - 12/15/18 and receive special educator price on band and orchestral instruments only. Valid at event only. For registered educators only. Not valid with other discounts, gift cards, gift certificates, rebates, prior purchases, clearance or hot deals items or discontinued items.

Rental Credit

Rental customers with accounts in good standing are eligible to use their accrued rental credit towards the purchase of a new instrument of equal or greater value. Rental customer rental credit offers vary by state and instrument type. Please refer to a sales associate or your rental agreement to find out how much of your qualifying rental credit may be applied to the instrument you are purchasing. If you do not have access to a sales associate and have specific questions about your state specific agreement, please call our customer service team toll-free at 888-731-5396. Qualifying rental credit does not include rental taxes, late fees, lease fees (if applicable) or Liability Damage Waiver and LDW tax (if applicable).