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Bogdan Gusev
Bogdan Gusev

Buy Guitar On Finance

Applying for finance couldn't be easier - if your order totals 500 or more, simply proceed through the checkout as normal, then select Pay By Finance on the payment page, then click the orange APPLY FOR INSTANT FINANCE button. This will start your application with V12 Finance, our finance partner, and completing this form should take seconds.

buy guitar on finance

Your new dream guitar, drum kit, keyboard and recording gear are just a few simple clicks away. Whether you're after a brand new instrument for gigging, upgrading your studio setup or levelling up your rehearsals, we've got a range of payment options to help you spread the cost.

If you are looking to lessen the blow of paying out a lump sum or wanting to spread out the cost of your purchase, at GAK we have plenty of finance options for you. We offer everything from 0% interest-free, longer-term and Buy Now Pay Later finance options. You don't always need to pay a deposit and no matter which package you opt for, a competitive rate is guaranteed.

We offer a range of finance packages such as 14.9% APR over a maximum length of 60 months, or 0% APR over varying terms lengths and 'Buy now pay later' as well. We offer these through our partner Novuna Personal Finance ( ). Please note not all finance options are available across all products, this is at our discretion.

Within minutes of your application being approved, you will be presented with the options to either esign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the finance agreement Peach Guitars Ltd trading as Peach Guitars will be notified and you need do nothing more. If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

Feel free to give us a ring on 01206 765777 (and option 2 for customer services) or send us an email on, and we would be happy to answer any questions you might have. Alternatively, pop into our shop and we can process your application while you wait.

Sam Ash is an amazing musical instrument store with years of experience and tons and tons of guitars to choose from. I've had plenty of positive past experiences with them and still have fond memories of visiting their store at King of Prussia Mall. Sam Ash does currently offer some pretty exceptional financing options through the Sam Ash Card, but according to one of the forums I referenced, it does appear to be a harder card to qualify for if you have poor to bad credit. If you're feeling luck or adventurous, it may still be worth trying to apply for.

Alto Music is yet another online musical instrument store that allows you to finance finance a guitar on a payment plan. However, if you're looking for payment options without a credit check, Alto Doesn't offer a true pay as you play option. Instead, they offer terms up to 6 months on layaway, allowing you to pay for the instrument and receive it after it's paid in full. AltoMusic also offers Progressive Leasing, which they currently claim does not require a high credit score. They also let you make payments via Affirm or the AltoMusic card, both of which require a credit check.

While you'll only have access to Kiesel brand guitars, Kiesel does currently offer a 90 day payment option with no credit needed through their Progressive Leasing option. You can quickly apply online for approval for this in-house financing option and Kiesel does appear to make some pretty badass guitars so you likely won't be disappointed.

While Reverb doesn't currently offer any payment options without a credit check, they do offer financing on lots of new and used instruments, including electric and acoustic guitars, through Affirm. According to NerdWallet, Affirm currently has no minimum credit score or minimum credit history requirement so this may be a good guitar financing option for people with low credit scores, but we can't say for sure.

Guitar Center is another musical instrument store I've had lots of positive experiences with. In fact, I bought my first guitar at one of their stores back when I was a teen. They also offer some pretty awesome financing options with their Gear Card, which does require a credit check. According to WalletHub, people with fair credit have a pretty good chance of getting approved for financing at Guitar Center so this may be a good alternative to the Sam Ash card.

Zager makes beautiful custom guitars played by the likes of Garth Brooks' guitarist, Mark Greenwood and Bruce Springteen's guitarist, Garry Tallent. Zager guitars can be purchased directly from the company's website, which, according to Zager, helps keep the cost of their instruments down versus some of their competitors. While they don't currently offer their own financing options, they do allow you to pay with PayPal Financing. However, it's worth noting that according to Pocket Sense, the average score for people who qualify for PayPal financing is about 720, which is rather high, making financing with this company potentially unattainable for those with poor to bad credit.

While most people don't think of Amazon as a place to buy musical instruments, let alone a guitar, the fact is, they have looooooads of options to choose from and some of the best prices out there. Amazon also currently offers special zero-interest financing in 6 and 12 month terms through the Amazon Store Card. According to WalletHub, you'll need good, but not necessarily excellent credit to qualify for financing with them.

I haven't personally shopped at Musician's Friend, but people I know have raved about them for years. While they don't offer payment options without a credit check for your next guitar purchase, they definitely do currently offer some pretty awesome options for financing, including 6, 12 , 24, and 48 month payment terms with no-interest through the Musician's Friend Platinum Card. According to the forums I referenced, including HarmonyCentral, it appears that it's not a very difficult to card to qualify for. This may be a good option for people who want longer payment terms with no interest, but have poor to bad credit.

Like Amazon, Walmart is another place that might not immediately come to mind when you think of financing a guitar. However, you'll find they have tons of great guitars to choose from on their website. Another plus is that, according to WalletHub, you may only need to have fair credit to qualify for the Walmart Store Card, making this a potentially awesome option for people with less than ideal credit scores.

Kraft Music is another well established musical instrument supplier that offers a good selection of guitars to choose from at excellent prices. They currently offer a number of interest-free financing options including terms of 12, 18, and 36 months. They do, however, require a credit check. While I wasn't able to locate any information on what kind of credit scores usually qualify, it might be worth reaching out to them by phone or email to see what sort of credit scores currently have a good chance of being approved.

The Music Zoo has been around for 25 years now and offers a great selection of guitars, musical instruments, and pro audio equipment for your recording studio. They currently provide musical instrument financing on purchases over $100 through Affirm. According to their website, "approval is based on creditworthiness," so this might not be an easily attainable option for people with bad credit or unestablished credit.

Fingerhut is well known for offering a great store card that helps with rebuilding bad credit, but what many people don't know is that they also have a decent selection of guitars. While there is a credit check required, WalletHub currently reports that people with bad credit can get approved. If you do a quick price comparison, you may find that Fingerhut tends to have slightly higher prices on their items than other retailers, but they're a great store with a long standing history of helping people rebuild or establish a good credit standing, so they're totally worth considering as an option for financing your guitar.

HSN is another store that's fairly well known for their accessible payment plans. They offer 4 payments on most of the items they sell through FlexPay. While a quick comparison may show that guitar prices at HSN tend to be a bit higher than other options, their payment plan is quick and easy to qualify for and they offer a limited selection of Guitars. If you're a beginner looking for something to start out on, this may be a good option for you to consider.

Quest Musique offers a great selection of guitars and other musical instruments. For financing, they currently have three different options, Pay in Full, a layaway plan with an 8 week payment term that doesn't require a credit check, and financing through Desjardins Accord D Financing Program. It's worth noting that the last option, according to the site, may require a well established credit history for approval. 041b061a72


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