Cream City Music offers three great financing options so you can Play Now, Pay Later.

Afterpay Financing Logo

*Available Online and In-Store

Afterpay allows you to shop for the gear you love and pay over time. Split your purchase across 4 installments, due every two weeks. All payments are interest-free and there are no additional costs,* as long as you pay on time.

Quick and easy

  • Pay for your order in four payments every 2 weeks.
  • Your order will be shipped now. No interest, no additional fees when you pay on time*.

    How To Get Your Gear NOW with Afterpay:

  • Select Afterpay at checkout as your payment method.
  • Complete your checkout in seconds. Instant approval decision.
  • Pay over 4 payments, every two weeks. Cream City Music will process and ship your order immediately.

    *You must be over 18, a resident of the U.S. and meet additional eligibility criteria to qualify. Late fees may apply. See for complete terms. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license.

    Affirm Financing Logo

    *Available 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 (0% APR or 10-36% APR)*

    *Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check.

    For example, a $1,000 purchase might cost $83.33/mo over 12 months at 0% APR. A $1000 purchase might cost $90.26/mo over 12 months at 15% APR.

    How To Get Your Gear NOW with Affirm:

  • 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.
  • If approved, once you confirm your loan, you will be sent back to to see your completed purchase.
  • After checkout, Cream City Music will process and ship your order immediately. Affirm will keep in touch and remind you of any upcoming payments.

    Paypal Credit Logo

    *Available Online and 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:

  • Choose the gear you need and add it to your Cream City Music shopping cart.
  • Select PayPal for your payment method during checkout and then choose PayPal's Bill Me Later financing.
  • Answer a few questions and accept the Bill Me Later Terms.
  • Watch for your Bill Me Later statement in your email.
  • Have the time of your life with your new gear shipped FREE to you from Cream City Music!