Pay over time at Guitar Center

Guitar Center sells guitars, amps, drums, keyboards, DJ and pro audio gear, new and used. We confirmed Klarna, PayPal Pay Later, Progressive Leasing and Synchrony credit card here.

  • 4 options confirmed
  • Checked Nov 14, 2026
  • Music

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 12, 2026 The Meedsy team confirmed Klarna on the store’s website

Store offer, minimum and plan lengths are from Guitar Center’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

PayPal Pay Later

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 The store’s website says it offers PayPal Pay Later

Store offer, minimum and plan lengths are from Guitar Center’s website. APR and credit check are PayPal Pay Later’s general terms.

All PayPal Pay Later stores and terms

Lease-to-own

Progressive Leasing

Name at checkout
Lease to Own
Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 The store’s website says it offers Progressive Leasing

Store offer, minimum and plan lengths are from Guitar Center’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

Store credit card

Synchrony credit card

Name at checkout
Guitar Center Gear Card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 The store’s website says it offers Synchrony credit card

Store offer, minimum and plan lengths are from Guitar Center’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

How to pay over time at Guitar Center

  1. Add what you want to your cart on guitarcenter.com.
  2. At checkout or on the store’s financing page, choose Klarna, PayPal Pay Later, Lease to Own or Guitar Center Gear Card.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Guitar Center financing

Does Guitar Center offer financing?

Yes. We confirmed Klarna, PayPal Pay Later, Progressive Leasing and Synchrony credit card at Guitar Center on Nov 14, 2026. The Meedsy team confirmed Klarna on the store’s website. Options can change, so check at checkout before you buy.

Will checking my rate at Guitar Center affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in a Guitar Center store?

We checked online shopping at Guitar Center only. If the store has physical locations, ask there whether financing is available.

More stores: Music

All musical instrument & audio financing stores

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