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 200+ convenient store locations offer music instruments for every budget.

**Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on promo purchase balance including related debt cancellation fees, 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. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

The estimated monthly payment shown equals the purchase price (excluding taxes and delivery) divided by the number of months in the promo period. It is rounded to the next highest whole dollar. It is only good with the financing offer shown. If you make these payments by the due date each month, you should pay off this purchase within the promo period, if it is the only balance you are paying off. If you have other balances on your account, this payment will be added to any other minimum monthly payments.