Buy Musical Instruments Now, Pay Later

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Band was introduced to me in the 5th grade. There was a family night for kids and their parents to come to the school gymnasium and see and test out the various musical instruments. My single mom took advantage of the music store's finance plan so I could play the flute (after I decided I liked that instrument better than the clarinet).

Buy Musical Instruments Now, Pay Later

Musical instruments are still expensive, but now there are more options thanks to the internet and better payment plans.

Make Payments on Musical Instruments

Here is a list of online stores that all sell musical instruments and have deferred finance options so you can can make installment payments on a new instrument for your child or yourself, as it's never too late to learn!

Music Stores

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.

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 Reverb.com 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 SamAsh.com 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 Zzounds.com now!

Super Stores

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.


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 Amazon.com 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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    micah notz January 21, 2019
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      Cherry May 27, 2019
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      Yphii December 4, 2019
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        Jeff August 16, 2020
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    Jeff August 16, 2020

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