Financing At Cream City Music


You work hard. You’re after the perfect piece of gear that is going to take your playing and creative expression to the next level. Don't wait. You deserve to have it now and with three great options for Play Now, Pay Later financing from Cream City Music, you can!


Online Only...


Affirm is an amazing way to get the gear you want with flexible repayment options of 3 months, 6 months, or 12 months! Affirm offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

Quick and easy
Checkout with Affirm financing is simple on our website. Just enter a few pieces of information for a real-time decision.

No hidden fees
Know upfront exactly what you'll owe, with no hidden costs and no surprises. Pay over 3, 6 or 12 months (Rates from 10-30% APR)*

*Example: A $950 purchase may cost $88.15 for 12 months AT 20% APR.

How To Get Your Gear NOW with Affirm:

1. Choose your gear, and add it to your Cream City Music shopping cart. Select Affirm as your payment method during the checkout process. You'll be sent to Affirm's secure website where you'll apply. Provide your basic information and get a real-time decision.

2. If approved, once you confirm your loan, you will be sent back to to see your completed purchase.

3. After checkout, Cream City Music will process and ship your order immediately. Affirm will keep in touch and remind you of any upcoming payments.


Online or In Store...


Cream City Music offers online financing in partnership with PayPal's Bill Me Later service!

Experience the benefits of the gear you need NOW with No Payments + No Interest if paid off within six months. 

Want to make it happen? Select the gear you need, add it to your cart, and when you proceed to Checkout, select  Checkout With PayPal, and choose Bill Me Later financing. 

How To Get Your Gear NOW with PayPal Credit:

1. Choose the gear you need and add it to your Cream City Music shopping cart.

2. Select PayPal for your payment method during checkout and then choose PayPal's Bill Me Later financing.

3. Answer a few questions and accept the Bill Me Later Terms.

4. Watch for your Bill Me Later statement in your email.

5. Have the time of your life with your new gear shipped FREE to you from Cream City Music!


In Store Only...


Cream City Music offers in-store financing in partnership with Mariner Finance! Financing options include...

-90 Days Same as Cash ($250 minimum)
-6 Months (180 Days) Same as Cash ($500 minimum)
-12 Months (360 Days) Same as Cash ($1,000 minimum)

How To Get Your Gear NOW with Mariner Finance:

1. Choose the gear you need while at Cream City Music’s store

2. Talk to your Cream City Music Sales Associate about setting up a Mariner Finance application

3. Answer a few questions and accept the Mariner Finance Terms. You will receive a computer generated contract upon approval.

4. Watch for your Mariner Finance statement in your email/mail.

5. Take home your new gear from Cream City Music!