The wait is over. Start playing now with Play as you Pay®! With the Play as you Pay® Installment Plan, you can get the gear you want now, and spread the cost across multiple payments. Approval couldn't be simpler -- just select a payment plan during checkout to get started. There's no paperwork, and zZounds never charges you interest! Use your own payment card to make the first payment up front, and we'll split the remainder into approximately equal monthly installments.

How do I qualify for Play as you Pay®?

Most orders over $59 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(s) 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 (not required for 4-Pay), and active email address.

What are my payment plan options?

Plans Available Now
4 Payments: Split your order into 4 payments with no credit check on items up to $1000 ($59 order minimum).
6 Payments: Limited Time Offer! Split up to $2000 of your total order into 6 payments with no credit check on items up to $1000 (no order minimum).
8 Payments: Split up to $3000 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. For qualifying items under $3000, 12-Payment Plans are limited to $3000 in total merchandise. For qualifying items over $3000, 12-Payment Plans are limited to $4000 in total merchandise. See individual product pages for item eligibility.

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.

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, processing fees, and taxes, if applicable, will be added to your initial payment.

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 and split the remainder of your balance into equal installments. Please note that you may not apply gift certificates to your monthly installment payments.

What about interest or fees?

A one-time processing fee will be charged based on the size of your order:

Order Total 4,6, and 8 Payment Processing Fee
Less than $600 $3.95
$600 to $1,000 $5.95
More than $1,000 $9.95
Order Total 12 Payment Processing Fee
Less than $1,000 $14.95
More than $1,000 $17.95

zZounds Music LLC will not charge you interest on your purchases.

Purchases made via the Installment Payment Plan are limited to $3,000 in merchandise unless otherwise noted. If your order exceeds the maximum amount for the payment plan selected, the remainder will be added to your initial installment.

Payment must be made with payment cards issued by VISA, Mastercard, American Express, or Discover. Only orders shipped to the United States are eligible for this program.

By proceeding with your order, you agree to maintain sufficient funds on the payment card you have provided so that subsequent installments can be billed to that card. If the card expires or is replaced, you agree to notify zZounds Customer Service and supply an alternative card with the necessary funds available. If a charge cannot be made on your payment card for any scheduled installment, zZounds may charge you a late payment fee of up to $10 per installment.

The decision to offer you the Installment Payment Plan may be based on information requested from a credit reporting agency. Upon written or email request, zZounds Customer Service can provide you with information on the credit agency used for the purposes of the zZounds installment Payment Plan program.

Certain items are excluded from the Installment Payment Plan, including but not limited to all gift certificates.

If you do not agree with the terms of this agreement in its entirety, you may cancel your order. Or, if your order has already shipped, you may return it unopened and unused within three days of delivery without cost or obligation by contacting zZounds Customer Service at 800-493-3945. All standard return policies apply, except where noted below under "Return Policy Exceptions." See for our return policies.

In the event the purchaser defaults on this agreement, the purchaser will be responsible for any and all reasonable collection costs, court costs, attorneys' fees, or any other expenses incurred in the collection of this debt.

The Installment Payment Plan offer is governed by the laws of the State of New Jersey.

Payment Plan Return Policy Exceptions

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 (M-F) 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(s) 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:

  • If you want an identical replacement for the defective or damaged product immediately, we will authorize your credit card for the full price of the replacement item before shipping it to you. We will not redeem the authorization as an actual charge unless we are unable to track your return shipment to us within seven days.
  • If you do not want us to place an authorization on your credit card for the full price of the replacement item, you must return the damaged or defective product to us before we will ship you a replacement item. We will email the label immediately upon request. The replacement item will not ship until we have confirmed the original item is en route to our warehouse via

Frequently Asked Questions

What is my credit limit?

Because zZounds payment plans aren't a conventional line of credit, we can't give you a specific financing limit. Rather we approve each order on an individual basis.

How much can I put on an installment plan?

You can finance up to $2,000 on 4 and 6-Payment Plans. On 8 and most 12-Payment Plans, you can finance up to $3,000. If you're ordering a 12-payment-eligible item over $3,000, you can finance up to $4,000 in total merchandise. Any amount over the $3,000-$4,000 limit will be included in your first payment.

How long does it take to approve my payment plan order?

We generally approve payment plan orders and process the first payment on the same day you place the order -- or within the next business day.

When will you ship my order?

We'll prepare your order for shipment as your information is verified and your card is approved -- typically within the same business day. If your order is verified Monday-Friday before 4 p.m. Eastern Standard Time, your order will ship that day. If it's after 4 p.m., or on a Saturday, Sunday or holiday, your order will ship on the next business day. Customers typically receive ground shipments 3-5 days after the order has been shipped. Expedited shipping methods are available as well.

What interest rate do you charge?

We do not charge interest. Ever. We do charge a one-time processing fee ranging from $3.95-$17.95, depending on your order's total dollar amount.

Isn't a "processing fee" just another name for interest?

No -- zZounds charges a one-time processing fee to help offset what it costs us to provide payment plans. When you place your order, we'll include a fee of $3.95-$17.95 (depending on the length of the payment plan) in your first payment. This fee is a lot less than what interest charges can add up to.

Do I have to pay the processing fee every time I place an order?

Yes -- every time you place a new payment plan order, we'll include the processing fee in your first payment.

Do you charge sales tax?

We are required to collect sales tax on all orders shipped to Alabama, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Oklahoma, South Carolina, South Dakota, Utah, Vermont, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming. You will be charged the state and local sales tax rate for any orders shipped to these states.

To our customers in the states of Colorado, Oklahoma, Pennsylvania, Rhode Island, and Washington:

Your purchase is subject to sales/use tax in these states unless it is specifically exempt from taxation. These states require that a sales/use tax return must be filed at the end of the year reporting all of the purchases that were not taxed; the purchase is not exempt simply because it was made over the internet or with the use of a remote device. Retailers that do not collect sales tax in these states are obligated to provide purchasers a summary of purchases at year-end in order to assist them in filing their tax report. Retailers that do not collect sales tax in these states may be required by law to provide the Department of Revenue with an annual report of the total amount of all of your purchases above certain thresholds. Details on how to file this return may be found at your applicable state’s Department of Revenue website.

Seller has collected the simplified sellers use tax on transactions delivered into Alabama and the tax will be remitted on the customer’s behalf to the Alabama Department of Revenue. Seller’s program account number is SSU-R010201486.

Can I add items to my payment plan after I've placed the order?

Unfortunately, once a payment plan order has been placed, we can't add items to the order for technical reasons. However, you can place another payment plan order at your convenience.

Can I change my payment plan to a better plan later?

Sorry -- once you've placed a payment plan order, we can't change the number of payments on the order.

How are your payment plans different from Sweetwater and Guitar Center's payment plans?

Our competitors require you to apply for a new credit card -- in-house credit cards that leave you vulnerable to exorbitant interest charges once the promotional period ends. With zZounds payment plans, we never charge you interest -- ever! Simply use your own existing credit or debit card to make easy monthly payments.

If I pay off my payment plan, will my credit score improve?

No -- since we are not offering you a conventional line of credit, we do not report payment activity to credit agencies. We also don't share your order history with anyone.

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. Plus, we're regularly offering new Pop-up Payment Plans to help our customers get their hands on the latest and greatest gear. 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.

Does zZounds offer 24-month or 36-month payment plans?

Not at this time. When comparing payment options, always read the fine print. Remember, the typical 24-month or 36-month plan is the result of a line of credit -- with its own approval process, high rejection rate, and steep interest rates once the initial promotional period is over.

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, and we do not share any personal information with third parties. 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 does zZounds make money on my payment plan?

The fact is, we make less money on payment plan orders than we would on single-payment orders since we don't charge our customers interest. However, our payment plans make it possible for us to carry more high-end gear, and build long-term relationships with the musicians who shop here. It's a win-win for us, and for our customers.


Which items are eligible for each payment plan?

Our 4-Payment Plan with no credit check is available on items up to $1000 ($59 order minimum). Any combination of new items (excluding gift cards) totaling over $249 is eligible for our 6-payment plan. We also offer 8-Payment and 12-Payment Plans for participating brands and select products -- with our Pop-up Payment Plans available from time to time. Add an item to your zZounds cart to see all your payment plan options.

How do I know if the item I want to purchase is eligible for a payment plan?

You'll see available payment plans listed next to item prices throughout our site and in your zZounds shopping cart. Remember, used items are not payment-plan-eligible.

Why do payment plans vary so much across products?

Our 4-Payment Plan with no credit check and 6-Payment Plan are consistent across all products (excluding gift cards). Extended 8-Payment and 12-Payment Plans vary by participating brands, with new limited-time Pop-up Payment Plans popping up on a regular basis. We try to make your payment plan options as clear as possible on zZounds product pages and in your shopping cart. If you've got questions, we're happy to help you over the phone or via chat.

What if some of the items in my payment plan order aren't in stock yet, or backordered?

We'll ship the part of your order that we do have in stock, and bill it to you on the payment plan you qualified for. You may see an authorization charge on your bank statement for the backordered items, but it will fall off after a few days. In the meantime, we'll email you regularly about the status of your pre-ordered/backordered items. Later, when the backordered items do ship out to you, they'll be on their own payment plan. You'll have two separate payment plans with different payment schedules. Remember, we'll never bill you for a backordered item until it's out the door and in transit to you.


What determines which payment plan I'm eligible for?

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.

If I buy more, will I be eligible for a longer payment plan?

Payment plan eligibility depends on the specific items in your cart -- not on the total dollar amount. If a single item in your cart is eligible for a payment plan, your entire order will be eligible for that payment plan. So if you have multiple items in your cart, then your entire order will be eligible for the longest payment plan associated with any one item in your cart. We'll note any exceptions to these rules upon checkout. For example, used items are excluded from all payment plans.

Why do you do a credit check?

Before shipping an order that has been only partially paid for, we pull a credit report to minimize our risk. We also use credit reports to help verify your identity.

What credit score do I need in order to use a payment plan?

We don't require a specific score to determine your payment plan eligibility. Your credit score is just one of several factors we consider, including your past payment history with zZounds. But, in general, if you have a higher credit score, we're more likely to approve you for a higher dollar amount.

I know I have bad credit/no credit -- what can you do for me?

We currently offer our 4-Payment Plan with no credit check on items up to $1000 ($59 order minimum). If the product you're interested in does not meet this criteria, 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.

When I make a payment, does that payment increase my current credit limit?

Making a payment will reduce your total outstanding balance, which is one factor we consider when approving customers for additional payment plans. However, we consider other factors as well, so making a payment won't always increase your credit limit.

Why can't customers in Puerto Rico and Canada use your payment plans?

In order to verify your identity and approve you for a payment plan, we require a valid Social Security number from the 50 United States.

Payment Details

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.

What's included in the first payment?

Your first payment includes the first monthly installment, a one-time processing fee, tax (if your shipping address is in Alabama, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Oklahoma, South Carolina, South Dakota, Utah, Vermont, Washington, Washington D.C., West Virginia, Wisconsin, or Wyoming), any shipping costs, and any amount over your available financing limit.

When is my first payment due?

We'll process your first payment on the date your order ships. We don't charge until your order is out the door.

When is my next payment due?

We process your second payment 30 days after your first payment was processed. Each month, we'll charge you at 30-day intervals until the order is paid in full.

Can I pick the day my payment is due?

No, but you can roughly estimate the dates each payment will be due -- we charge every 30 days, starting on the day your order is shipped. To ensure that your payment is processed on a particular date each month, it's best to place your order on that date. If your order is already in progress, and you'd like to change your due date, call 800-ZZOUNDS and ask for our Accounts department.

Can I pay more up front so my monthly payments will be lower?

Yes, we're happy to adjust your down payment and monthly installment amount. Just give us a call to place your order.

Are there any fees for paying off my order early?

No -- we're happy to process a payment early!

How much are the penalties if I'm late?

We're flexible -- as long as you contact us to make arrangements before your payment is due, there often are no late fees. If a payment is past due by seven days, a $10 late fee will be applied.

What if I don't finish paying my payment plan?

If you are unable to make a scheduled payment, please contact us ASAP -- preferably before your next payment is due. We are often able to accommodate special circumstances, and we'll work with you to keep your account in good standing, so you can be approved for payment plans on future orders. However, if you ultimately are unable to pay off your plan in full, we will send your debt to a third-party collections agency, which negatively affects your credit score.

Can I pay by check?

Scheduled monthly installment payments can be paid via your bank account by calling our accounts team at 877-997-2948 to provide your routing and account number.

Can I pay with an international credit card?

We do accept payment cards issued outside of the US and Canada. However, we are often unable to verify billing addresses on such cards and, as a result, must cancel many of these orders. For this reason, we recommend using a domestically issued payment card whenever possible.

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.

I have a bunch of prepaid cards -- how do I use them on my payment plan order?

Unfortunately, we can't accept prepaid/reloadable cards for your regular monthly installments. But we're happy to accept a prepaid card on a prepayment: a larger payment up front to lower your monthly installment amount.