Financing
Heid Music Financing Solutions
Welcome to Heid Music, your ultimate destination for all things musical. Whether you're a budding musician or a seasoned player, we have everything you need to fuel your musical journey. As part of our dedication to your success, we offer flexible financing options year-round. With manageable monthly payments, we ensure that your musical investment becomes a reality without delay. Stay updated on our latest financing solutions and let us help you achieve your musical dreams. Explore the possibilities at Heid Music today!
Apply online now to qualify for music instrument financing. The easy application process for music instruments only takes a few minutes! When approved for music instrument financing, save/print your approval letter, and bring it with you to your nearest Heid Music store or provide us with a screen shot. We can help process your music instrument order online, making it hassle-free for you to start your musical journey. Don't miss this opportunity to get the instrument you need with quick and convenient music instrument financing. Apply today!
| Promotion Name | Qualifying Instruments | Promotional Period | Minimum Purchase |
|---|---|---|---|
| Standard AIMM | All products | 6 months promotional financing | $299 |
| NAMM Special | All products | 12 months promotional financing | $299 |
| NAMM Special | All products | 18 months promotional financing | $299 |
| Conn Selmer | All Conn Selmer (Intermediate and above) | 18 months promotional financing | $499 |
| Conn Selmer | All Conn Selmer (Intermediate and above) | 48 months promotional financing | $499 |
| Eastman Promo |
Strings: Eastman 300 Series Flute: Eastman 300 Series and higher (Haynes Bravo, AF680, AF780, Q Series) Clarinet: Eastman 500 Series (Backun Bravo, Protege, Q Series) Saxophone: Eastman 400 Series and higher French Horn: Eastman 600 Series and higher (Bravo) Trumpet: Eastman 500 Series and higher (Shires Bravo and Q Series) Trombone: Eastman 400 Series and higher (Shires Bravo and Q Series) Euphonium: Eastman 426 and higher (Shires Bravo, Q Series, Willson Bravo, K Series) Tuba: Eastman 500 Series and higher Marching Brass: Eastman 300 Series and higher |
12 months promotional financing | See store |
| Eastman Promo |
Strings: Eastman 300 Series Flute: Eastman 300 Series and higher (Haynes Bravo, AF680, AF780, Q Series) Clarinet: Eastman 500 Series (Backun Bravo, Protege, Q Series) Saxophone: Eastman 400 Series and higher French Horn: Eastman 600 Series and higher (Bravo) Trumpet: Eastman 500 Series and higher (Shires Bravo and Q Series) Trombone: Eastman 400 Series and higher (Shires Bravo and Q Series) Euphonium: Eastman 426 and higher (Shires Bravo, Q Series, Willson Bravo, K Series) Tuba: Eastman 500 Series and higher Marching Brass: Eastman 300 Series and higher |
18 months promotional financing | See store |
| Yamaha Band Promo | Intermediate and Professional Instruments | 12 months promotional financing | $499 |
| Yamaha Band Promo | Intermediate and Professional Instruments | 18 months promotional financing | $1,499 |
| Buffet Promo | All New Buffet Models | 12 months promotional financing | See store |
| Buffet Promo | All New Buffet Models | 18 months promotional financing | See store |
| Martin Promo | One-time New Martin Guitar purchase | 12 months promotional financing | $399 |
| Martin Promo | One-time New Martin Guitar purchase | 18 months promotional financing | $399 |
Important Financing Information
IMPORTANT: Read all terms and conditions carefully before applying. Subject to credit approval. Minimum monthly payments required. Must be 18 or older to apply, must be 21 or older to apply by phone.
Deferred Interest Promotional Financing
PROMO TERMS EXPIRE AT END OF PROMO PERIOD
Interest accrues on promotional purchase during promotional period at the accountholder's standard rate for their account and is shown on the billing statement as accrued interest. Interest will be assessed if promotional purchase is not paid in full within promotional period. Minimum monthly payments are required.
How Deferred Interest Works
- If paid in full within the promotional period: You will not be charged any interest on the promotional purchase.
- If NOT paid in full within the promotional period: You will be charged the interest that has accrued at the standard APR on your account on the promotional purchase from the date of purchase.
A minimum monthly payment is required and varies based on your account balance. Each billing statement will display the required total monthly payment due on your account.
IMPORTANT: If only required minimum payments are made, the promotional purchase may not be paid off by the end of the promotional period.
Factors that determine this are:
- Amount of the promotional purchase
- Length of the promotional period, and
- Whether there are other balances on the account
Understanding Your Promotional Purchase
No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance.
Discounts, Rebates, and Coupons
Any discount, coupon, manufacturer rebate, or other promotional offer applied at time of purchase will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required.
Account Terms & Fees
Credit Approval: Subject to credit approval. We may not open an account for you, or may reduce any credit limit offered, if you no longer meet our credit criteria or if you do not have sufficient income.
Income Verification: You may be required to provide your annual net income if we do not have your recent information on file. Your income will be used as a factor to determine eligibility for a credit line increase.
Age Requirements: Must be 18 or older to apply, must be 21 or older to apply by phone.
New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.
Existing Cardholders: See your credit card agreement terms.
Fees:
- Late Payment Fee: Fee applies if payment is not received by the due date
- Returned Payment Fee: Fee applies if a payment is returned for insufficient funds
- Expedited Payment: There may be an additional fee to make an expedited payment by phone
- No Annual Fee
Unauthorized Use: Zero Fraud Liability for Unauthorized Use. Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
Down Payment
*No down payment required if the purchase is made with your credit card.
How to Apply
In-Store Application: Visit any Heid Music location to apply for financing. Our team can:
- Help you understand which promotional financing options apply to your purchase
- Complete a credit application with you
- Provide a credit decision, often within minutes
- Calculate your estimated monthly payments
- Review all terms and conditions
- Answer any questions about the financing process
Pre-Qualification Option:
- See if you prequalify for financing
- Get a decision in seconds with no impact to your credit score
- Prequalifying does not affect your credit bureau score
- If qualified, you can apply immediately
What to Bring:
- Valid government-issued photo ID
- Social Security Number
- Current address and contact information
- Income information (may be required)
Questions?
Our knowledgeable team at any Heid Music location is ready to help you understand your financing options and find the best solution for your purchase.
Heid Music Locations:
- Appleton
- Green Bay
- Madison
- Oshkosh
- Stevens Point
Legal Disclosure: Promotional financing offers available on qualifying purchases through Synchrony Bank. Subject to credit approval. Terms and conditions apply. Synchrony Bank is the creditor for all financing. Heid Music is not the creditor and does not make credit decisions. All credit decisions are made by Synchrony Bank. APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
Additional Information: This promotional offer is provided by Synchrony Bank. For questions about your account, contact Synchrony Bank directly at the number on your billing statement. This information is accurate as of the date of publication but is subject to change. Verify current promotional terms at time of purchase.
Mobile/Digital Services: Data fees may apply. Standard text message rates apply.
Promotional Offer Terms: We reserve the right to discontinue or alter the terms of this offer any time. Not all promotional financing options are offered by all retailers. Please check with Heid Music to find out which promotional financing options may be available for your purchase; otherwise, standard terms will apply.
Heid Music Piano Financing
Special financing options for new and used acoustic and digital pianos
| Promotion Name | Qualifying Instruments | Terms | Interest Rate |
|---|---|---|---|
| Synchrony Select Installment Piano Special |
New or Used Acoustic or Digital Piano No down payment for instruments less than $50,000* 10% down payment for instruments greater than $50,000 |
18 Months 0% Intro APR | 18 Months 0% (22.9% after 18 month intro) |
| Synchrony Select Installment Piano Special |
New or Used Acoustic or Digital Piano No down payment for instruments less than $50,000* 10% down payment for instruments greater than $50,000 |
60 Months Fixed APR | 8.99% APR for 60 months |
Complete Financing Terms & Disclosures
IMPORTANT: Read all terms and conditions carefully before applying. Subject to credit approval. Must be 18 or older to apply, must be 21 or older to apply by phone.
18 Month 0% Introductory APR Promotion
Promotion Details
Introductory Period: 0% APR for the first 18 months from account opening.
After Introductory Period: 22.9% APR applies to any remaining balance after the 18-month introductory period ends.
Qualifying Purchases: New or used acoustic or digital pianos purchased with your Synchrony Bank credit card.
Down Payment Requirements:
- *No down payment required for instruments priced under $50,000 if the purchase is made with your Synchrony Bank credit card
- 10% down payment required for instruments priced at $50,000 or more
Payment Information
Monthly Payments: Fixed monthly payments are required during the promotional period. Your monthly payment amount will be calculated to pay off the purchase within 18 months at 0% APR. Minimum monthly payments required.
What Happens After 18 Months: If you do not pay off the entire balance within the 18-month introductory period, the remaining balance will be subject to the standard APR of 22.9%.
Minimum Payment: You must make at least the minimum monthly payment shown on your billing statement each month. Making only minimum payments will result in a remaining balance at the end of the 18-month period.
60 Month 8.99% APR Promotion
Promotion Details
Fixed APR: 8.99% APR for 60 months (5 years).
Payment Term: Fixed monthly payments over 60 months designed to pay off your purchase in full. Minimum monthly payments required.
Qualifying Purchases: New or used acoustic or digital pianos purchased with your Synchrony Bank credit card.
Down Payment Requirements:
- *No down payment required for instruments priced under $50,000 if the purchase is made with your Synchrony Bank credit card
- 10% down payment required for instruments priced at $50,000 or more
Payment Information
Monthly Payments: Your monthly payment will be calculated based on the purchase amount and 8.99% APR over 60 months.
Consistent Rate: The 8.99% APR remains the same throughout the entire 60-month period.
Early Payoff: You may pay off your balance early without penalty.
Discounts, Rebates, and Coupons
Any discount, coupon, manufacturer rebate, or other promotional offer applied at time of purchase will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required.
General Terms & Conditions
Credit Approval: Subject to credit approval. We may not open an account for you, or may reduce any credit limit offered, if you no longer meet our credit criteria or if you do not have sufficient income. Not all applicants will qualify. Terms and conditions may vary based on creditworthiness.
Income Requirements: You may be required to provide your annual net income if we do not have your recent information on file. Your income will be used as a factor to determine eligibility.
Account Opening: Upon approval, a Synchrony Bank installment loan account will be opened. This is not a revolving credit account.
Payment Due Date: Payments are due monthly on the date specified in your loan agreement. Late payments may result in fees and may affect your credit score.
Default: Failure to make required payments may result in default, additional fees, and negative credit reporting.
Fees:
- Late Payment Fee: There may be an additional fee if payment is not received by the due date
- Returned Payment Fee: Fee applies if a payment is returned for insufficient funds
- Expedited Payment: There may be an additional fee to make an expedited payment by phone
- No Annual Fee*: New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.
Unauthorized Use: Zero Fraud Liability for Unauthorized Use. Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
Credit Reporting: Payment history will be reported to credit bureaus. Making timely payments can help build credit, while missed or late payments may negatively impact your credit score.
Important Considerations
Choosing Your Financing Option:
- The 18 Month 0% APR option is best if you can pay off the balance within 18 months to avoid interest charges
- The 60 Month 8.99% APR option provides lower monthly payments over a longer period with a consistent interest rate
- Calculate your estimated monthly payment for each option before deciding
- Consider your budget and how quickly you can realistically pay off the purchase
How to Apply
In-Store Application: Visit any Heid Music location to apply. Our piano specialists can help you:
- Choose the financing option that best fits your budget
- Complete the credit application
- Receive a credit decision, often within minutes
- Calculate your estimated monthly payment
- Review all terms and conditions
- Complete your piano purchase
What to Bring:
- Valid government-issued photo ID
- Social Security Number
- Proof of income (pay stub, tax return, or bank statement)
- Current address information
Questions?
Our piano specialists at any Heid Music location can answer your questions about financing options, help you calculate monthly payments, and guide you through the application process.
Heid Music Locations:
- Appleton
- Green Bay
- Madison
- Oshkosh
- Stevens Point
Legal Disclosure: Synchrony Select Installment Loan. Promotional financing offers available on qualifying purchases. Subject to credit approval. Terms and conditions apply. Synchrony Bank is the creditor for all financing. Heid Music is not the creditor and does not make credit decisions. All credit decisions are made by Synchrony Bank. APR = Annual Percentage Rate. Rates, terms, and fees are subject to change. Existing cardholders: See your credit card agreement terms.
Right to Modify: We reserve the right to discontinue or alter the terms of this offer any time.
Additional Information: This promotional offer is provided by Synchrony Bank. For questions about your account, contact Synchrony Bank directly at the number on your billing statement. This information is accurate as of the date of publication but is subject to change. Verify current promotional terms at time of purchase. Not all promotional financing options are offered by all retailers that accept a Synchrony Bank issued credit card. Please check with Heid Music to find out which promotional financing options may be available for your purchase; otherwise, standard terms will apply.
Mobile/Text Services: Data fees may apply. Standard text message rates apply.
Ready to bring home your dream instrument? Heid Music now offers Affirm financing on select products, making it easier than ever to play now and pay over time. With fast decisions and flexible monthly payment options, Affirm is a great choice for musicians looking to invest in their sound without the wait. Start making music today—explore financing options at Heid Music!
*Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.” For all details, visit https://www.affirm.com/disclosures.
