Financing & Payment Plans

Get your dream instrument today. Buy now, pay later. Make music more affordable with these great payment plans. It only takes just a few minutes to apply. Bananas at Large offers online, in-store financing options: Consumer Financing (Affirm, Shop Pay, PayTomorrow, ZIP, Acima Credit, PayPal, Synchrony) and Commercial Financing (Hampton Ridge). We also offer in-store layaway!

Affirm Payments

Credit Score: Very Good to Excellent

How does Affirm work?

We have partnered with Affirm to give you a simple way to make your purchase with no hidden fees.

Easy monthly payments

Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 0-36% APR with loans of 3, 6, or 12 month terms. On a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.

The maximum amount that customers can finance with Affirm is $20,000.

Flexible repayment

Simply pay your monthly bill using a debit card, bank transfer at

Disclosure: Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Payment options through Affirm are provided by these lending partners: See for details.

Just select Financing with Affirm at checkout.

Buy now, pay later with Shop Pay

Split your purchase into 4 easy payments, with no hidden fees, no surprises!*

How it works

  1. Add items to your cart (or shopping bag).
  2. Check out with Shop Pay.
  3. Choose to pay in 4 installments.

Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.


Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% APR interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.

Have more questions?

For questions about installment payments on Shop Pay, visit

*Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount and a down payment may be required. State notices to consumers

Credit Score: All credit scores to no credit accepted

One Easy & Fast Application for all Credit Types

PayTomorrow Classic

+ Payment plans up to $6,500 for as long as 24 months*
+ 90 day early payoff option
+ Checkout as low $59
+ No hidden fees
+ Fast and easy approvals

PayTomorrow No Credit

+ No Credit Needed
+ 90 Days Same as Cash**
+ No Money Needed Today (to Checkout)
+ No Banking Info Required at Checkout
+ Payment Plans up to $5,000
+ 13 Month Term (with Weekly, Biweekly or Semimonthly Payments)

Applying with PayTomorrow will not affect your credit score
*Qualified Customers Only
**Cash Price plus sales tax and processing fee

Who is PayTomorrow?

PayTomorrow offers financing for customers of all credit types. We’ve partnered with PayTomorrow to allow more of our customers the opportunity to get approved for financing.

How does the application process work?

Simply select PayTomorrow as a payment option in the shopping cart.

Will applying through PayTomorrow affect my credit score?

No. Checking out with PayTomorrow will not result in a hard inquiry to your TransUnion report as we use a soft credit pull

More questions?

Please click here to learn more about PayTomorrow.


Click here to get Pre-Approved or add the items to your shopping cart, checkout on our site and select PayTomorrow on the payments page.

Acima Credit

Credit Score: No Credit Option

Who is Acima Credit?

Acima helps people from all backgrounds live a better quality of life with easier access to the things they need and want—all without credit*. Our lease-to-own solutions report payment activity to Experian.

Why use Acima? 

  • No Credit Needed Option, your fico score will not be impacted
  • Get approved up to $4,000
  • $50.00 initial payment due at the time of purchase
  • 90-day early purchase option (3-month purchase option in California).
  • Easy payments over 12 months or buyout early at anytime during your agreement.

What do I need to apply? 

  1. Be 18 years old or older.
  2. Have an active checking account with at least $1,000 of income per month.
  3. Have at least three months of income history with your current source of income.
  4. Have a government-issued photo ID and a social security number or ITIN. If you’ve got all those things, great! Get pre-approved or select Acima Leasing at checkout.

How to make a purchase with Acima

  • You can Get pre-approved, select Acima Leasing at checkout or visit a store location.
  • Once you’ve added your merchandise to the shopping cart, select Acima Leasing at checkout to complete your order with a $50.00 initial payment.

Call (888) 900-1959 to speak with a Banana’s at Large representative.

Have Questions about Acima?

Visit Frequently Asked Questions.

PayPal Logo

Pay with PayPal easily and securely.

Choose PayPal at checkout and you can skip entering your financial info when you make a purchase. PayPal Purchase Protection helps you shop with confidence. Millions of people trust PayPal to buy. Simplify your life.

Synchrony Financing

In-store financing

Follow your passion with help from Synchrony Financial! Find financing for guitars, drums, keyboards, wind instruments, recording gear and more. Better equipment can help you make beautiful music. Call us for details!

Hampton Ridge Financial

Organization financing

Grow your business or church with easy financing options from Hampton Ridge Financial. Apply now.

Regardless of your industry Hampton Ridge Financial helps business owners and vendors grow with simple financing, world class service, and their passion for helping others. Realize your business dreams. We accept applications from any commercial entity, including Businesses, Non-profits, Houses of Worship, Schools, and Municipalities. Finance your equipment today! Apply today using our easy online application.

Finance Information – Commercial Financing

  • Start-up Businesses and Sole-Proprietor Programs
  • $500 Minimum Transaction Size (No Maximum)
  • Instant Approval To $15,000!
  • Challenged Credits Considered
  • U.S and Canada Options

Industries Served

  • Broadcasting
  • Audio/Visual/Lighting
  • Disk Jockey
  • Photography/Cinema
  • House of Worship
  • School and University
  • Restaurant
  • Technology

Bananas at Large Layaway Program

Take more time to pay with Layaway from Bananas. We make it easier on your wallet by spreading out your payments over a period of time.

Layaway Fast Facts:

  • A Layaway contract is eight (8) weeks on individual items $200 or above.
  • The Service Fee on all new Layaway contracts is $5.
  • The Cancellation Fee on all new Layaway contracts is $10.
  • 20% down payment is collected when merchandise is put into Layaway.
  • The balance of the layaway is divided equally in 4 easy payments made bi-weekly.
  • As long as the payments are made on time, the merchandise will be held for you.
  • Layaway merchandise may be returned to stock seven (7) days after a missed payment and cancellation policies below are applied.

The following merchandise cannot be put in Layaway: Software, Disposable Products, Chemical based products, and Consignments.

Contact us to learn more and get started.

Financing Return Policy

Due to conflicting return policies with 3rd party financing, any shipped sales paid by 3rd party financing are sold (AS IS ALL SALES FINAL).

While we will strive to accommodate all defect and freight issues as best as we can, all other aspects will be handled by the finance company.