Wednesday, September 28, 2022

Music Equipment Buy Now Pay Later

I Know I Have Bad Credit/no Credit

Government calls for more regulation on buy now, pay later companies | 7NEWS

We recommend you try to place an order, since we approve the majority of our customers for payment plans. If you know you have bad credit, you may want to start with a low-dollar order. If you make your payments on time, we’ll be more likely to approve your next payment plan order. Please note, however, that making payments on time with zZounds will not improve your credit score, as we don’t offer a conventional line of credit, such as a credit card.

How Do I Apply For Finance At Pmt Online

  • Add items to Shopping BagAdd your chosen item to the shopping bag.
  • Proceed to checkoutProceed to the checkout and fill in your details.
  • Apply for FinanceClick ‘Apply for Finance’ in the Payment Information part of the checkout.
  • Complete a credit applicationYou will then be redirected to a secure form to complete, sign and submit a credit application.
  • The lender will then perform a credit check and various other processes culminating in a decision on whether or not to loan.
  • Pay your depositIf your credit application is accepted, pay your deposit using a credit or debit card. Upon receipt of this card payment, the credit agreement comes into force.
  • Sign your Credit Agreement
    • Company Registration Number: 03735541

    S& T Audio Limited t/a Play Music Today acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.

    Consumer credit service is provided by V12 Retail Finance.V12 Retail Finance Limited. Registered in England and Wales 4585692.Registered office: One Arleston Way, Solihull, B90 4LHCorrespondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.For more information visit

    Please note, we can only deliver finance orders to the billing address of the cardholder.

    Pay Later Tools With Low Monthly Payments

    Whether you are looking to buy simple hand tools or something more serious like power saws, you can browse our site for almost any power tool you need. Our store is one of the few retailers that features buy now pay later deals for people with bad credit. This means you do not have to worry about your credit score when you visit our shop. Instead, you can shop our site for different categories based on your needs and find the right tool of your choice. Our financing plans are designed for customers with any type of credit as long as you make payments on time. The buy now pay over time scheme can only work if the customer pays installments on a schedule that makes sense. We do not accept an order if we cannot fulfill it and we expect customers to accept payments that they can manage.

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    First Payment Ships Products In 2 Days

    This was years ago, but I asked for the 12 month payment plan option and zZounds is the only company that has ever accepted me to pay payments monthly with no interest ! Ive heard some people dont get accepted for the 12 month payment plan so I guess I did get lucky, but they still have other options at no credit check! In fact, they still have payment plans that are still less than the total amount but it may be around 4 monthly payments. Try it now and thank me later!

    In the image below, for example, the total price is $999 and with Zzounds they allow you to play as you pay! So, the first option allows you to split the payment into 12 monthly payment options so divide $999 by 12 and thats your first payment! See which one you can get accepted for!

    What Determines Which Payment Plan I’m Eligible For

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    We determine your payment plan eligibility for any given order based on information we get from your credit report, as well as your order history with zZounds. We love our repeat customers, so if you successfully pay off a zZounds payment plan, you’re more likely to qualify for a payment plan on your next order.

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    Can I Use Multiple Cards To Pay For My Monthly Installments

    Yes. We only keep one card on file at a time, but if you’d like to split your next payment between multiple cards, just give us a call before your payment date to make a partial payment with an alternate card. You’re also welcome to change the credit card on file for your payment plan, and use a different credit card each month.

    As Long As I Pay Off My Payment Plan How Is It Any Different From Other Retailers’ Plans

    Unlike other retailers, zZounds payment plans are always interest-free, and we don’t require you to apply for a new credit card. For us, it’s not about making a buck off interest or getting you to spend more money — it’s about making it possible for musicians to invest in their dream gear now while spreading their payments out over several months.

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    What Forms Of Payment Do You Accept On Payment Plan Orders

    For payment plan orders, you’ll need a bank-issued credit or debit card for your regular monthly installments. For your first payment, you can also use a prepaid/reloadable card as a prepayment — a larger payment up front — which will lower your monthly installment amount. Scheduled monthly installment payments can also be paid via your bank account by calling our accounts team at 877-997-2948 to provide your routing and account number.

    Choose Affirm On Checkout

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    The Music Zoo offers easy payments from 0% interest storewide with Affirm! We make it easy to get the guitars, amps, effects and parts of your dreams. Select Affirm right on checkout and receive a decision within seconds, or find out how much you can spend by getting prequalified here:

    Get Started Now: Choose Affirm on checkout to get an instant decision online! If you have questions, contact our sales team via email at or give us a call toll free at 844-687-4296. Tell us what you want to buy, and our team will help you through the decision process.

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    Installment Payment Plan Agreement

    zZounds Music LLC has agreed to bill you for your order in installments subject to the following conditions. Please review this Agreement in its entirety.

    Shipping charges and taxes, if applicable, will be evenly distributed among your installment payments.

    The merchandise total for your order will be split into approximately equal payments. Some variation in payment size may be necessary in order to make the payments evenly divisible, but the variations will not be more than a few cents.

    The initial payment will be charged to your payment card at the time your order ships.

    Subsequent installments will be charged to your payment card at approximately 30-day intervals for the length of the agreement.

    To use a gift certificate on a Play As You Pay® order, you must submit the gift certificate at the time you place the order. We will subtract the value of your gift certificate from your order total. Please note that you may not apply gift certificates to your monthly installment payments.

    Why Buy With Bread

    • Seeing if you pre-qualify is quick and easy! Simply provide a few pieces of information to check your rate – within seconds. Getting pre-qualified doesn’t affect your credit score. Only if pre-qualified and when you decide to complete your purchase using Bread will a standard notification be issued to the credit bureau.
    • Financing designed for your budget. With Bread, you choose the payment plan that is right for you. Split your payments into simple monthly installments. Choose terms that suite your budget.
    • Transparency. Unlike traditional financing options, Bread is completely transparent and has no prepayment penalties or origination fees. You will know exactly how much you can spend, how much you will owe each month, the number of payments you must make, and the total amount of interest youll pay over the course of the loan.

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    How Not To Buy A Musical Instrument

    Now that you know more about starting your instrumental journey, let’s take a look at what not to do:

    • Don’t buy cheap. Yes, that ukulele in the store is pricey, but opting for the dirt-cheap option might cause more trouble than it’s worth. Instead, look for instruments that have been checked out and approved for sound quality and playability by the music pros. Try to find the balance between quality and affordability to get the most satisfaction out of your purchase.
    • Don’t rely solely on reviews. Rave reviews alone shouldn’t convince you to purchase a potentially inferior product. If possible, try the instrument for yourself and compare it with others within your price bracket. Even if you don’t know how to play, you can still get a feel for the quality of the instrument in your hands.
    • Don’t pay interest, if possible. Don’t pay more for your musical instrument just because you swiped a credit card at the register. Making payments over time can be beneficial, but try not to add to your bill by using a high-APR card.

    What Finance Packages Are Available

    Early Music Shop

    The following finance packages are available on our website. The terms of the package will vary from product to product.

    • 9 MONTHS 0% FINANCE*

    *available on all products if total order is over £300**available on selected products only

    • The minimum order value to be eligible for any finance package is £300
    • The maximum loan value is £12,000
    • The minimum deposit amount required for finance is shown on individual product pages on our site

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    Who Is Eligible To Apply For Online Finance

    To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years.

    Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names however the employment details of your spouse / partner will be required in order to process your application.

    What Are My Payment Plan Options

    Plans Available Now
    4 Payments: Split up to $1,000 of your total order into 4 payments on items up to $1,000 .
    6 Payments: Limited Time Offer! Split up to $1,250 of your total order into 6 payments on items up to $1,250 .
    8 Payments: Split up to $2,000 of your total order into 8 payments when you purchase qualifying items . See individual product pages for item eligibility.
    12 Payments: Split your total order into 12 payments on qualifying items . 12-Payment Plans are limited to $3,000 in total merchandise.

    Promotional offers can be removed or changed at any time without notice, and other restrictions may apply to individual offers including but not limited to restricting the amount an individual may finance, restricting product eligibility and restrictions on combining payment plans with other offers.

    Wondering which plans you’re eligible for? Questions about any of our payment plans? Please read on or call 1-800-zZounds and we’ll be glad to help.

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    Why Should I Trust You With My Social Security Number

    Shop with confidence at zZounds — we immediately encrypt sensitive information such as Social Security and credit card numbers. We’ve been in business since 1996, we’re an authorized dealer of every brand we sell, and has awarded us with the Platinum Circle of Excellence for multiple years running.

    How Do I Qualify For Play As You Pay

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    Most orders over $79 qualify for our four-payment plan, and depending on the items and amount you order, additional payment plans may be available. Check on product pages and in your cart to see what payment plan your order is eligible for. To qualify for Play as you Pay®, in addition to the information that we require for all orders, you must provide a U.S. billing address, Social Security number, and active email address.

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    How Much Do Musical Instruments Cost

    The price of an instrument varies widely based on type, brand and quality. A beginner-friendly guitar or keyboard can run a few hundred dollars, but a decent violin or piano can easily cost $1,000 to $5,000or even more for higher-quality equipment.

    Depending on your instrument of choice, you may need to expand your budget to protect yourself from buying something that’s hardly playable. You’ll also want to consider the additional costs of musicianship, such as instrument setup, music lessons for a budding bass guitar player, an amplifier for your electric guitar or regular upkeep and replacement parts for a woodwind instrument. And, if you have an aspiring drummer in the house, you’ll have to factor in the added cost to your peace and quiet.

    Payment Plan Return/exchange Process

    In the event that you want to exchange an item purchased on the installment plan for a different item, you must first return the original item to us. Once we receive it, we will apply a credit for the full price of the item to your existing installment plan. You may then purchase the replacement item via a new installment plan or a single payment order. All applicable shipping charges and fees will apply to this new order.

    A return is typically processed within 2-4 business days of delivery at our location. You are obligated to continue making payments as scheduled until the return is processed and the plan is adjusted or closed. You will receive an email confirmation of status “Return Processed – Refund Issued” once the unit has been processed this is your confirmation that the credit has been applied. You may view your ‘My Order’ page for updated plan balances and schedules once the item is processed. This exception does not otherwise change our return policies.

    In the event that you receive a defective or damaged product, please notify us immediately, and we will email you a prepaid return label:

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    What Finance Options Are Available At Pmt Online

    When youre looking at an item costing £279 or more on our website, youll notice a ‘Finance From…..’ message. When you click the small Question Mark button, a Loan Calculator will appear. On the Loan Calculator, you can tailor an upfront deposit payment that suits you. You can see how the monthly repayments will change depending on the amount of deposit you want to place .

    You can also choose how long you want to take to pay back the cost of the item in the drop-down box. We offer:

  • Interest-Free Finance – 6 Months. 0% APR Interest – Minimum Loan Value £299
  • Interest-Free Finance 9 Months. 0% APR Interest – Minimum Loan Value £299
  • Classic Credit – 12 Months. APR 15.9% APR Representative – Minimum Loan Value £299
  • Classic Credit 24 Months. APR 15.9% APR Representative – Minimum Loan Value £299
  • Classic Credit 36 Months. APR 15.9% APR Representative – Minimum Loan Value £299
  • PayPal Credit – 4 Months. 0% APR Interest – minimum spend £150
  • PayPal Credit – Standard Variable Rate 17.9% APR – minimum spend £150
  • Buy Now Pay Later – 6 Months. 19.9% APR Representative
  • Buy Now Pay Later – 12 Months. 19.9% APR Representative
  • Klarna – Pay in 3 months with no interest or fees
  • Further finance options available at your local PMT Music Store – Call your Local Branch or Pop-In for Expert Advice.

    Klarna uses soft searches with credit reference agencies. These do not affect your credit rating, but missed payments can affect your ability to use Klarna in the future.

    Which Items Are Eligible For Each Payment Plan

    Buy 61 Key Electronic Piano Keyboard Electric Digital Classical Music ...

    Our 4-Payment Plan is available on items up to $1,000 . Any combination of new items up to $1,250 and totaling over $379 is eligible for our 6-payment plan. We also offer 8-Payment and 12-Payment Plans for participating brands and select products. Add an item to your zZounds cart to see all your payment plan options.

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    Applying For Online Finance

    Applying for online finance couldn’t be easier or more convenient. When you buy online from Guitar Guitar Limited trading as guitarguitar, you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.

    The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

    Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

    Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

    How Do I Use Paybright

    Select PayBright at Checkout

    $1,221.67 13.50%

    On approved credit and minimum purchase value of $500. Applicants who are not approved for a 0% payment plan may be offered alternative payment plans with a greater cost of credit. Financing provided, and all transactions are subject to approval by, PayBright or its partner easyfinancial. Financing offers may vary from time to time and may be amended or cancelled at any time. See for more information.

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