How to Finance a Guitar with Bad Credit

zZounds Pay as you Play gives guitarists the freedom to own the guitar of their dreams without a credit check.

By BENJAMIN SULLIVAN
PUBLISHED: 09:22 EST, 23 April 2013

Earlier, I wrote an article on how to get musical instruments & music gear on a payment plan with no credit check.  Of course, as a serious musician, I've bought a ton of stuff ranging from digital pianos and guitars to mixing boards, pro mics, stands and cables.  I've done a lot of trial and error and developed a definite preference for where I buy my gear.  In my opinion, zZounds is pretty hard to beat.  They have consistently awesome customer support and service, awesome prices, awesome sales and financing with no interest that you can get with no credit check.  So anyway, here's my itemized list of why I think they're the best.

#1 - zZounds has a truly epic selection of acoustic and electric guitars and amps.

#2 - Right now, zZounds is offering guitarists payment plans with no interest and no credit check.

#3 - zZounds guarantees the best prices out there - if you find a better price (even up to 45 days after               you buy your guitar) they'll beat it!

#4 - Well over a thousand screaming fans on Bizrate give zZounds a perfect 5 star rating!

#5 - You get free shipping on many orders and most customers don't even have to pay tax.

Getting financed is easy, just go to www.zzounds.com, look for the "Play as you Pay" icon next to the guitar you're scouting and tick the payment plan you want at checkout.  Happy shopping!

Update, 01/30/2017: zZounds has actually lowered their financing fee, added tiers, and made a six payment option available. They've also lowered the qualifying spend amount to just $59. This makes their payment plans more competitive than ever! I'm including a chart below with the updated fees for financing in each tier.

Order Total	4 or 6 Payments Processing Fee
Less than $600.00	$3.95
$600 to $1,000	$5.95
More than $1,000	$9.95
Order Total	All Other Payment Plans
Less than $1,000	$14.95
More than $1,000	$17.95

Their plans have gotten even better too! Here's the updated list of available payment options. Please note that only the 4 payment option on $59-$1000 is currently available without a credit check.

Current Payment Plans Available

4 Payments with no credit check on most products between $59-$1000

6 Payments available on most orders totaling over $249 and up to $3000

8 Payments on orders totaling up to $3000

12 Payments on orders from $3000 to $4000 (see individual product pages for details)

Note: The information contained in this article was accurate as of the time it was written and is subject to possible change. This content is not provided or commissioned by the credit issuer. Opinions expressed here are author’s alone, not those of the credit issuer, and have not been reviewed, approved or otherwise endorsed by the credit issuer. Every reasonable effort has been made to maintain accurate information, however all credit  information is presented without warranty. After you click on a link you will be directed to the credit issuer’s website where you can review the current terms and conditions that they offer.