Finance

Finance

Payment Options & Financing at Musicstreet

At Musicstreet, we want to make it as easy as possible for you to get the guitar or equipment you've been dreaming about. That's why we offer flexible payment and financing options through Shopify Payments and Shop Pay Installments, allowing you to spread the cost of your purchase over time.

Shopify Payments: Safe & Secure Checkout

When you shop with us online, all transactions are processed through Shopify Payments - a secure, PCI-compliant payment system that protects your financial information. Shopify Payments accepts all major payment methods including:

  • Credit and debit cards (Visa, Mastercard, American Express)

  • Apple Pay and Google Pay for quick mobile checkout

  • Shop Pay for faster checkout and installment options

  • PayPal

Your payment details are encrypted and secure, and we never store your full card information on our systems.

Shop Pay Installments: Buy Now, Pay Later

Shop Pay Installments is a buy now, pay later service powered by Affirm that lets you split your purchase into flexible payment plans. With over 200 million shoppers already using Shop Pay Installments, it's a trusted way to make your purchase more affordable.

Why Shop Pay Installments?

  • 30% faster checkout - Complete your purchase quickly and securely

  • Flexible payment options - Choose a plan that fits your budget

  • No hidden fees when you pay on time

  • Instant approval - Get a decision in seconds

  • Show your purchasing power - See what you can afford before you shop

How Shop Pay Installments Works

1. Choose Your Payment Plan: At checkout, select Shop Pay and choose from available installment options based on your order total.

2. Quick Approval: Get an instant decision with no impact on your credit score for checking eligibility. Shop Pay uses a soft credit check that won't affect your credit rating.

3. Split Your Payments: Your purchase is divided into equal installments with flexible payment schedules.

4. Automatic Payments: Payments are automatically charged to your linked debit or credit card on the scheduled dates - no need to remember payment dates.

Shop Pay Installment Packages

Standard Package: For purchases from £50 to £1,000. Perfect for frictionless, low-commitment financing on guitars, amplifiers, effects pedals, and accessories with typical purchase sizes.

Premium Package: For purchases from £35 to £30,000. Strategic financing designed to support larger-ticket purchases like premium guitars, complete rigs, or building your dream collection. This package offers extended payment terms for bigger investments.

Flexible Payment Terms

Depending on your order value and the package you qualify for, you can choose from various payment schedules:

  • Pay in 4: Split purchases into 4 interest-free payments, typically paid every 2 weeks

  • Monthly Installments: Spread payments over multiple months with terms that work for your budget

  • Extended Terms: For larger purchases with the Premium package, access longer payment periods

Interest rates and specific terms are clearly displayed at checkout before you commit, so you'll always know exactly what you're paying.

Eligibility Requirements

  • You must be at least 18 years old

  • Have a UK billing and shipping address

  • Provide a valid UK mobile phone number

  • Have a valid debit or credit card

Additional Financing Options

In addition to Shop Pay Installments, we also offer:

Klarna

Pay in 3 interest-free installments for guitars priced over £1,000. Split your purchase into 3 equal payments with the first payment due at checkout and the remaining payments automatically collected every 30 days.

PayPal Pay in 3

Similar to Klarna, PayPal allows you to split purchases over £1,000 into 3 interest-free monthly payments, giving you more flexibility and breathing room for bigger investments.

Shop Pay Installments In-Store

You can also use Shop Pay Installments when you visit our Cambridgeshire showroom! Our team can help you set up financing right at the counter, so you can walk out with your new guitar the same day. Visit us Monday-Saturday, 10am-5pm to try before you buy and take advantage of seamless in-store checkout with flexible payments.

Why Choose Financing?

Affordability: Get the guitar or equipment you want now without paying the full amount upfront. Spread the cost into manageable payments that fit your budget.

Increased Purchasing Power: Shop Pay Installments shows you what you can afford before you shop, helping you confidently invest in better quality instruments.

No Hidden Fees: With interest-free options, you pay exactly the purchase price - nothing more when you pay on time.

Build Your Collection: Invest in quality instruments and equipment without compromising your cash flow. Whether it's a premium PRS, a vintage-style Fender, a custom Patrick James Eggle, or a complete rig with amp and pedals, financing makes it accessible.

Instant Approval: Get a decision in seconds at checkout with minimal information required.

Managing Your Payments

Once you've completed your purchase with Shop Pay Installments, you can manage everything through the Shop Pay app or your Shop Pay account:

  • View upcoming payment dates and amounts

  • Update your payment method

  • Make early payments if you'd like to pay off your balance sooner

  • Track your order delivery

  • Access your purchase history

  • Check your purchasing power for future orders

Important Information

No Risk to Merchants: If a customer doesn't pay, you still get paid. Shop Pay Installments (powered by Affirm) assumes the risk, so you can offer flexible payments with confidence.

Late Payment Fees: While interest-free options don't charge interest, missed or late payments may incur fees. Ensure your payment method has sufficient funds to avoid any charges.

Credit Impact: While checking eligibility uses a soft credit check that won't affect your credit score, your payment history may be reported to credit bureaus. Making on-time payments can help build your credit, while missed payments may negatively impact your credit score.

Returns & Refunds: If you return an item purchased with installments, your payment plan will be adjusted accordingly. Any payments already made will be refunded to your original payment method, and future scheduled payments will be cancelled or reduced.

See Your Purchasing Power

Before you shop, you can see how much purchasing power you have with Shop Pay Installments. This helps you browse with confidence, knowing exactly what payment options are available for your budget. Look for Shop Pay messaging on product pages and at checkout to see your personalized options.

Free UK Delivery on Orders Over £99

Remember, all orders over £99 qualify for free UK delivery, so your financing can cover the full cost of your guitar with no additional shipping charges to worry about.

Questions About Financing?

If you have questions about which financing option is right for you, or need help with your payment plan, our team is here to help:

  • Phone: (01480) 431222

  • Email: Contact us through our website

  • Live Chat: Available during store hours (Mon-Sat, 10am-5pm)

We're committed to making your purchase experience as smooth and affordable as possible. Whether you're a beginner investing in your first Yamaha Pacifica or a professional adding a custom guitar to your collection, our flexible payment options help you get the gear you need when you need it.

Ready to Shop?

Browse our full range of guitars, amplifiers, effects pedals, and accessories at www.musicstreet.co.uk. At checkout, simply select Shop Pay, Klarna, or PayPal to see your available financing options and get playing sooner.

Shop Pay Installments is powered by Affirm. For more information about Affirm's licensing, visit affirm.com/licenses.

We currently offer split payment terms with Shop pay, Klarna & Paypal - providing credit status is approved, please check t's & c's with respective lender