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For over 6 years, UpBeat Music has made it its mission to get musical instruments and accessories into the hands of as many people as possible. We like to think of our financing department as the place where musical dreams come to life. Whatever the financing arrangement, you can rest assured that we’ll deliver the right price 365 days a year. We work with many financial institutions to provide financing on all purchases, providing the flexibility to choose a monthly payment plan that suits your budget.

We offer a layaway program at both of our stores! We require 20% down and you have 3 months to finish pay off the rest. There is no minimum amount due each month, the total amount just needs to be payed off by the end of the 3 months. Come visit us and pick out your next instrument!

First Mutual Financial is a respected leader in consumer credit and sales 
financing located in Mayfield Village, Ohio. Opened in 1949, they offer loans and servicing to a wide spectrum of retail merchants from many areas of the country.  Click HERE to fill out an online application!

Several of our vendors, including Yamaha, Fender, and Seagull Guitars, often offer special reduced rate financing or extended same-as-cash terms on financing through the Synchrony Financial system. In store financing only*

When using Synchrony for a Step Up Band Instrument, the following is the summary of the 24 month promotion: With an Equal Payment Promotion, no interest will be charged on the promotional purchase and the same equal payments are required monthly. This monthly payment amount is determined by dividing the purchase price by the number of months in the promotional period. All payments must be made on monthly due date to avoid late fees.