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.
0% Interest for 24 Months**
On in-store purchases of $199 or more made with your Music & Arts credit card from 1/1/2025 - 12/31/2025. Equal monthly payments required for 24 months.
**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 amount financed 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 as of 7/31/2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.