Guitar Center financing options enable you to spread the costs for your musical gear and accessory purchases, even with a poor credit score.
From the timeless allure of classic acoustic guitars to the electrifying possibilities offered by cutting-edge electric models, there is no doubt about Guitar Center being a perfect destination for what you need.
But these products can be inconvenient to pay for upfront. With many buy now pay later with no credit check available to use when shopping on the Guitar Center website, you should be able to get the item you need and pay in installments.
Guitar Center Financing Options
Here is a list of buy now pay later you can use to purchase guitars and other gear at Guitar Center:
PayPal
Usage
Direct
Max. Value
$1,500
Tip: PayPal buy now pay later is accepted by Guitar Center for financing on its website for its varying gear and accessories.
Guitar Center is one of the several online stores that accept PayPal Pay Later, enabling purchases using any from either Pay-in-4 or PayPal Credit.
With the default being the six-week installment plan and able to grant you up to $1,500 to buy the gears you need, it is one of the best direct-to-use Guitar Center financing options.
The primary Pay-in-4 requires only a soft credit check hence, you could be eligible to use it for spread payments if you are still working on improving your credit score.
While the above is limited to six weeks in length, there is the alternative PayPal Credit which can handle long-term financing needs for up to 24 months in installments.
The minimum cart value when using the long-term financing option is $99 but it grants more purchasing power with a starting credit line of at least $250 that you can use for shopping.
Interestingly, you can enjoy interest-free usage for four to six months making it a good Guitar Center financing method.
After its interest-free four or six months, the APR of 29.24% will apply and you can spread the costs of your payments up to a maximum of 24 months.
Progressive Leasing
Usage
Direct
Max. Value
$4,000
Tip: Guitar Center accepts Progressive Leasing as its lease-to-own alternative payment method with up to $4,000 available to access.
Progressive Leasing is one of the Guitar Center financing options and the only lease-to-own payment plan method you can access when shopping on the platform.
It is available for purchases starting from a minimum of $300 and you can spread the payments for up to a year with a maximum accessible amount of $4,000.
With this Guitar Center financing option being a lease-to-own, you will need to ensure to utilize its 90-day early purchase option which could enable you to pay back the costs with no extra charges.
Outside its first three months, you may end up paying more than double the original product costs.
To have an understanding of the gear you want to purchase and its cost using this payment plan method, visit the Progressive Leasing calculator page to estimate your purchase cost.
Gear Card
Usage
Direct
Max. Value
Varies
Tip: Gear Card is the best Guitar Center financing option, thanks to its interest-free payment plan with the choice to spread costs up to 48 months.
The Gear Card is its store credit financing method which you can apply for both online and when visiting its physical locations.
It is an amazing option considering that you can enjoy interest-free payment plan purchases using it with varying maximum length depending on your cart value.
Purchases of $499 or more on select brands can enjoy up to 48 months of deferred payment without paying any interest.
While the lower tenor length of 24v months requires a minimum cart value of $299 for eligible products.
However, this Guitar Center financing method requires a good credit score but as an alternative, there is the Essential Card if you are not eligible for this.
Essential Card
Usage
Direct
Max. Value
$1,000
Tip: The Essential Card is also a credit card-based Guitar Center financing option but more of an alternative to its Gear Card.
Since the Gear Card requires a good credit standing before you will be eligible to use it for spread payments at Guitar Center, the Essential Card is the alternative for people with less than a stellar credit score.
You may not see this option when making a payment on the website as it is only a fallback after being declined for the Gear Card.
Hence, you will have to first try if you qualify for the Gear Card and if your application is declined, it will be routed for the Essential which may allocate some credits for shopping.
This alternative credit card is provided through its integration with Fortiva and just as with its other cards, you may not be able to access more than a limit of $1,000.
With no credit score required, this may be a good option for you if you are still working on fixing your bureau profile.
Klarna
Usage
Alternate
Max. Value
Varies
Tip: To use Klarna on Guitar Center, you can generate a virtual card, install its browser extension, or shop through its app.
There is no doubt about Klarna being one of the widely used buy now pay later services but it is not directly integrated on the Guitar Center website hence, you will need to use it through alternate channels.
One of such is its split payment virtual card which you can generate by logging into the Klarna app and setting it up for payments.
There are two types of Klarna cards you can use for Guitar Center financing, the single-use and the always-available version.
While the one-time valid card must be generated each time you want to make purchases, the alternative multi-use card does not involve that step as you can utilize it when you wish using the same card number.
There is also the Klarna browser extension which is available for Chrome and when installed, you can use it to spread the cost of your purchases on the Guitar Center website.
The other method you can try in order to use Klarna for Guitar Center financing is shopping in-app.
Through the Klarna shopping page, you can search for Guitar Center and you will be able to buy the gear and accessories you need within that app.
Zip
Usage
Alternate
Max. Value
$1,000
Tip: You can use Zip for Guitar Center financing through its virtual card, browser extension, and in-app shopping methods.
Zip is another good buy now pay later you can use for Guitar Center financing for gear and accessories but you will have to rely on its alternate financing channels.
It also provides a single-use virtual card which you can generate any time you want to pay for the guitar or other musical equipment purchases.
The platform offers two payment options: Zip Pay, allowing you to split your payments into four installments and facilitate gear shopping up to $1,000, and Zip Money, which offers long-term financing.
However, access to the latter depends on individual credit assessments.
Alongside its virtual card, Zip enhances the shopping experience by providing a Chrome-compatible browser extension.
This extension seamlessly works with the Guitar Center website, streamlining the payment process for added convenience.
A third avenue for accessing payment plans for gear purchases is through the in-app option.
To utilize this method, simply log into the Zip app and shop Guitar Center directly, providing an additional user-friendly and efficient pathway for managing your musical equipment purchases.
Affirm
Usage
Alternate
Max. Value
$20,000
Tip: You can use Affirm on Guitar Center by either generating the virtual card, shopping with its extension, or going through the app.
Affirm is another popular buy now pay later you can utilize for Guitar Center financing through its alternate payment channels.
Just like many of the options, it also provides the Affirm Card, but it is unique regarding how it works compared to those provided by other split payment companies.
This virtual card combines the features of a regular debit card as well as a buy now pay later card with the default behavior being a debit card.
What this means is that you must set it up on the Affirm app before it can be used for Guitar Center financing otherwise, your connected repayment method will directly be deducted anytime used for shopping.
Affirm also has a browser extension for Chrome users which can be installed and activated when shopping for gears on the Guitar Center website.
Alternatively, just download the app and shop from there as it has Guitar Center as one of its listed shoppable stores for in-app financing.
The platform also aggregates buy now pay later gift cards including that for Guitar Center of varying denominations which you can purchase on a payment plan.
Sezzle
Usage
Alternate
Max. Value
$1,500
Tip: To use Sezzle on Guitar Center, shop using the Anywhere Card or go through its app and search to start browsing gears.
Sezzle is another good buy now pay later service you can use for Guitar Center financing and better if you are working on improving your credit score as it reports repayment to major bureaus like Experian, Equifax, and TransUnion.
It offers two types of cards that work seamlessly with Guitar Center including the single-use card and its better alternative Anywhere Card.
While its single-use card cannot be reused and is only limited to certain merchants, the Anywhere Card is a more powerful tool that you can utilize for spread payments without having to generate a new one each time as it can be used recurrently.
You can also shop through the Sezzle app, searching through the store list for Guitar Center to purchase the gear and accessories you need within the app.
Zilch
Usage
Alternate
Max. Value
$1,000
Tip: Zilch provides a unique Mastercard and up to $1,000 in purchasing power that can be used for Guitar Center financing.
Zilch transforms your buy now pay later journey with its innovative Mastercard, seamlessly embedded in the app to function as both your go-to debit card and a prepaid buy now, pay later card.
This distinctive dual capability sets Zilch apart, providing you with a versatile financial tool for all your purchases.
With its debit card feature, not only do you experience hassle-free payments, but you also enjoy the added advantage of earning cashback.
This cashback can be redeemed for exclusive perks within the Zilch app, turning each transaction into an opportunity for savings and benefits tailored to you.
For those opting for payment plans, the prepaid function of your Zilch Mastercard comes into play.
Safely stored within your Zilch wallet, the card remains securely locked by default until you activate it for payments.
This added layer of security ensures your peace of mind, knowing that your financial information is protected until it is needed.
When used directly at checkout, your Zilch Mastercard acts as a debit card, seamlessly debiting your connected payment method.
However, for payment plan purchases, a bit of pre-planning is required.
Simply log into the app, where you have the option to set up your card for Guitar Center financing, offering you a flexible and user-friendly approach to managing your financial commitments.
Afterpay
Usage
Alternate
Max. Value
$1,500
Tip: Afterpay supports Guitar Center financing through its Plus card and you can also purchase a gift card usable online and in-store through its app.
With several merchants under its belt, there is no doubt about Afterpay being one of the top destinations through which you can enjoy payment plan purchases.
While it has a good number of stores accepting it, it is not directly integrated when shopping on the Guitar Center website hence, you will have to rely on its secondary methods to use the service for gear purchases.
One such is its Plus card, a premium buy now pay later virtual card that is available for you to use online as well as in-store.
While the Plus card requires an account upgrade, it also provides a one-time valid virtual card available to every user (regular and premium) that you can generate each time you want to make payments on Guitar Center.
The other option is opting for one of its buy now pay later gift cards which you can utilize for Guitar Center financing.
The gift cards are of several denominations and you can choose the one that meets your preference and purchase on a payment plan.
Plan It
Usage
Alternate
Max. Value
Varies
Tip: Plan It enables all eligible American Express cardholders to enjoy Guitar Center financing on a post-payment model.
If you have an American Express credit card, you possibly have access to its Amex Plan It add-on which will enable you to convert existing transactions to buy now pay later.
It works on an after-transaction model, meaning that you will first need to use your existing credit line for payment at Guitar Center before you can convert such into installments.
It is one of the benefits that come with its credit card but only available to certain cards for eligible transactions of $100 and above.
While this comes with a fee to use, you can avoid this if you are able to pay up your balance before the due date.
It has different lengths starting from three months and spreading up to 24 months, any that meets your preference with variable APR when used for Guitar Center financing.
My Chase Plan
Usage
Alternate
Max. Value
Varies
Tip: My Chase Plan is for eligible transactions made with Chase Bank credit cards with a minimum spend value of $100.
My Chase Plan is another credit card buy now pay later add-on but this is only available to Chase Bank cardholders whose cards are eligible.
Just like Amex Plan It, My Chase Plan is on a post-purchase model, allowing financing for gear purchases after using its credit card to settle your cart.
To utilize this for Guitar Center financing, simply use the card for payment which will deduct your existing line of credit.
Once the purchase has been settled, you can then log into your Chase Bank dashboard and locate the transaction that can then be converted to a Chase Plan to spread the costs for up to 24 months.
Google Pay
Usage
In-store
Max. Value
Varies
Tip: Google Pay is not accepted for Guitar Center financing on its website but you can utilize it for payment plan purchases in-store.
Google Pay is one of the popular methods that allows you to utilize digital wallets you can use for payments at several merchants, online as well as when shopping at their retail locations.
While it is not supported when shopping on the Guitar Center website, you can utilize this when you visit any of its physical stores.
You can use it for buy now pay later purchases in-store seamlessly when you visit Guitar Center through the tap and pay channel.
To use this, you will first need to connect one of the top split payment virtual cards to your Google Wallet as that will be the source of the funds needed for settling your gear purchases.
When it comes to fulfilling your musical ambitions with new guitars, gear, and accessories from Guitar Center, the convenience of spreading the costs deserves attention as some can be high in cost.
Guitar Center, renowned for its extensive online presence and network of physical stores, plays a pivotal role in the musical instrument retail industry.
Various buy now pay later options provide you with the flexibility to efficiently manage expenses associated with upgrading your musical arsenal.
This adaptable approach ensures that you can pursue your musical passions without the immediate burden of upfront costs, enabling you to explore new guitars, gear, and accessories seamlessly.
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