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Musical Instruments Buy Now, Pay Later Financing Stores

Musical Instruments Buy Now, Pay Later Financing Stores

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Music is a big part of many our lives from learning an instrument in school to playing in a band. One thing that is we all know is that quality musical instruments are expensive!  To afford any instrument  it helps to take advantage of any financing plans that the music store offers.  Here is our round-up of quality stores that offer Buy Now Pay Later financing for everything from guitars to flutes and drum kits!

Find out how musical instrument financing works: 

 Musical Instruments Payment Plans

Here is a list of online stores that all sell musical instruments and have deferred finance options payment plans with no credit check so you can can make installment payments on a new instrument,  as it's never too late to learn an instrument!

Music Stores that Finance Music Equipment 

Stores dedicated to only selling musical instruments and accessories will have a better selection, especially if you are looking for an unusual instrument such as an oboe or tuba, compared to super stores that sell a little of everything.

Get your new music equipment with buy now pay later financing at this specialty stores:

Guitar Center

Guitar Center sells more types of musical instruments than just guitars! Guitar Center sells amps, drums, keyboards and more plus offers 0% interest for 24 months on 110+ top brands. Financing options include the Guitar Center credit card, All Media Capital, Hampton Ridge, Commercial Accounts and Marlin Equipment Finance. See all Guitar Center financing options now!


Reverb is a marketplace for musicians to buy and sell used, vintage and new music gear plus they accept Affirm for payment so you can make payments on preowned musical instruments. Shop now!

Sam Ash

Sam Ash offers 0% interest for 24 months on select purchase plus earn a $100 Visa prepaid card when you open a new Sam Ash credit card. Sam Ash also accepts Progressive Leasing and Marlin Equipment Financing. Shop now!


zZounds has a “Play As You Pay” installment plan on orders over $59 with 0% interest charged. Split your order into 4 payments with no credit check on orders up to $1000. Split orders up to $3000 into 6, 8 or 12 payments. Shop now!

Donner Deal 

Donner is famous for its high-quality and affordable musical instruments and accessories, Pay over time using Paypal. 

Woodwind Brasswind

The Woodwind & Brasswind has grown into the premiere catalog and internet retailer serving musicians from flutists to tuba players, and violinists to percussion artists.  Financing available with the WWBW card offering up to 48 months financing on select brands and products. 

Super Stores that offer Musical Equipment Financing

Super stores will not have as big of a selection of musical instruments compared to dedicated music stores, but they may have a lower price on staple instruments, such as clarinets and flutes.

Abunda Instruments

Finance nearly any musical gear you can find on Amazon with Abunda! They offer Buy Now Pay Later options from all the major apps including Klarna, Afterpay, Sezzle and Affirm. Just choose your BNPL company of choice at checkout when buying your next instrument or music gear. 


Amazon offers a free $50 gift card for applying and getting approved for their Amazon Rewards Visa Card that you can instantly apply towards a musical instrument plus earn 3% back on your Amazon purchase. Shop musical instruments at now!


PayPal Credit

PayPal Credit offers no payments and no interest if paid in full in 6 months on purchase of $99 or more. Simply check out with PayPal and choose PayPal Credit. The following stores all sell musical instruments and accept PayPal Credit for payment.


More Options

Most of the stores mentioned above are located in the United States (but may ship internationally). If you live in Australia, we recommend Artist Guitars who accepts ZipPay and Afterpay for installment billing.

Make Payments On Musical Instruments

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Monday 27th of May 2019

Just for the record ~ i purchased a guitar for my son from zzounds and he's had it 6 months ~no problems. The payment plan allowed me to get a very nice instrument. They've been a breeze to work with and the guitar looks and sounds amazing.

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