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, and equipment leasing options: Consumer Financing (Affirm, QuadPay, Acima Credit, GreenSky, GetFinanacing, PayPal Credit, Synchrony), and Commercial Financing (Hampton Ridge). 


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 10% to 30% APR with loans of 3, 6, or 12 month terms.

Flexible repayment

Simply pay your monthly bill using a debit card, bank transfer at www.affirm.com/pay.

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. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details.

Just select Financing with Affirm at checkout.

Zibby Financing

Credit Score: No credit required

Benefits of Zibby

  • We'll approve you up to $3,500 without looking at your FICO score.
  • Checkout for as little as $45. 
For just $45 you can enjoy your items today.
  • 90 day early buyout option. 
If you pay off your items within the first 90 days, you’ll 
pay only the cash price plus 5% just $45 above the checkout price.
  • Pay over time. 
Get the items you want today and in 12 or 18 months you’ll own them or buyout early and save!
  • Flexible payments. 
We set up your payments to match your pay dates on either a weekly, every other week, twice a week or monthly payment schedule.

Customer Qualifications

  • Valid mobile phone number that can receive SMS
  • Valid email address
  • Current, valid US address (no PO Boxes)
  • At least 18 years old
  • A valid credit or debit card to make recurring payments (no payroll, prepaid, gift cards, or American Express)
  • A valid Social Security or Taxpayer ID Number (ITIN)

How to use Zibby through Affirm

  • If Affirm is not able to approve you as a customer, the customer will see a screen inviting them to apply with Zibby.
  • You will need to click 'Check out with Zibby' to enter some additional information for your Zibby application.
  • Simply enter your information about your pay dates and how often you get paid.
  • Once approved by Zibby, you will make your initial payment, and enjoy your items!

No credit required. Pay over time with Zibby for as low as $45 at checkout!

Get approved in seconds for up to $3,500 with flexible payments. Plus, own it in 90 days for only the cash price plus 5% (plus your initial $45 payment) just $45 above the checkout price.


Green Sky Financing

Credit Score: Good to Excellent

The GreenSky Idea

GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology and elegant user experiences.

The GreenSky Loan Program offers fast, easy online loans to help you live better. You can be approved for as little as $500 or as high as $25,000 in seconds.

How It Works

  1. You can complete the application during the checkout process on the payment page.
  2. You will be given the option of credit card or GreenSky financing as a payment option. We’ve partnered with GreenSky® to offer different financing plans to fit your budget.
  3. Upon approval and your acceptance of the financing terms, you will return to the Bananas website for your order confirmation.
  4. Make your payments with the easy GreenSky® customer portal log in.
Green Sky Financing

Quadpay Logo

Credit Score: Soft credit check - No credit required

What is QuadPay?

QuadPay’s payment platform gives shoppers the choice to pay for their purchases via 4 simple, interest-free installments. Get approved up to $2,000! QuadPay is a platform built for shoppers, that empowers you to buy now, pay over time and avoid interest repayments.

Why would customers use QuadPay?

Why would you want to pay for a purchase all at once if you didn’t have to? By paying the QuadPay way, you will only be paying 25% of that order day one, with 0% interest.

Are there any fees?

There are no fees if you pay on time. We only charge a $7 fee on any installment that is seven days overdue. If after 14 days the account is still past due, then a one time $7 account fee is added.

What information do you take from me?

For initial sign up we only need your date of birth, mobile number, and either a debit or credit card. After that we only need you to enter your mobile number to make a purchase through QuadPay. QuadPay is completely secure.

How do I sign up?

You can sign up during the Checkout process. For the initial sign up we will just need your date of birth, a mobile number and either a debit or credit card. You'll know if you are approved instantly!

Who can use QuadPay?

In order to have an account with QuadPay, you must:

  • Live in the US
  • Be at least 18 years old
  • Have a valid and verifiable mobile number
  • Use a US credit or debit card to make a purchase

I tried to use QuadPay but got an error when I went to checkout?

Remember, you can only use QuadPay if you: Live in the US, are at least 18 years old, have a valid and verifiable mobile number, and are using a US credit/debit card to make a purchase. If there is an issue with your payment Card we recommend reaching out to your Bank first to see what the issue is.

Where can I track my orders paid through QuadPay?

QuadPay has a portal where customers can log in by entering just their mobile number and have instant access to their past and current orders. https://customer.quadpay.com/login.


Acima Credit

Credit Score: No credit required

Who is Acima Credit?

Acima Credit provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today. 

Why use Acima? 

-No Credit Needed, your fico score will not be impacted
-Get approved up to $3,000
-$50.00 initial payment 
-90-day early purchase option (3-month purchase option in California). 
-This option lets you purchase the merchandise for the Acima Cash Price price plus the initial payment and a small buyout fee, which varies state-to-state, but is generally $10. 
-Easy payments over 12 months or buyout early at anytime during your agreement.
-Acima reports your lease activity to Experian to help build your credit.

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! Fill out the application, Get pre-approved and we’ll let you know within seconds if you’re approved! 

How to make a purchase with Acima

- You can click on Get pre-approved and fill out the application or visit a store location.
- Go shopping: Once approved, select the items that you want within your Acima spending limit
- Once you’ve selected your merchandise, call (888) 900-1959 to complete your order with a $50.00 initial payment.

Have Questions about Acima?

Visit Frequently Asked Questions.

acima credit

Get Financing Logo

Credit Score: All credit scores to no credit accepted

GetFinanacing covers all credit spectrums. Good credit customers can spend up to 10K at 14.99% with up to 60 month terms. Poor-Fair credit up to 24 month terms with 5k max. No credit or poor credit up to $1,500, etc etc. Get pre-approved today!

Good credit

  • Installment loans up to 60 months.
  • 14.99% fixed APR
  • $1,500 minimum and $10,000 maximum.
  • Approvals and authorizations are instant with no paperwork needed.

Fair credit

  • Lease installment programs up to 24 months.
  • $200 minimum and $5,000 maximum.
  • Approvals and authorizations are instant with no paperwork needed.

Poor Credit to No Credit

  • FICO score not needed.
  • Customer needs to have $1000 monthly income.
  • 5 month minimum lease. Customer can then either continue lease payments, buy out lease, or return the item to lender.
  • Instant approvals from $250 to $1,500.
  • Approvals and authorizations are instant with no paperwork needed.

How to make a purchase with GetFinanacing

Get pre-approved or add the products to your shopping cart and select GetFinancing at checkout.

1.) Get pre-approved or select GetFinancing at checkout
2.) Choose the best offer among multiple lenders
3.) Enjoy your purchase and pay over time

Get Financing Learn More

PayPal Credit Logo

Credit Score: Very Good to Excellent

Get the buying power to shop now. Enjoy the flexibility to pay later.

Use PayPal Credit's digital, reusable credit line to shop anywhere PayPal is accepted. Whether you're buying the perfect gift or purchasing a new guitar, you can get 6 months to pay on purchases of $99 or more. The best part? This isn't a one-time offer. You can enjoy more time to pay every time you shop with PayPal Credit. *See terms

Just select PayPal when you check out.


Synchrony Financing

In-store financing

Consumer eApply: APPLY ONLINE TODAY
Consumer eService: MANAGE YOUR ACCOUNT

Follow your passion! Find financing for guitars, drums, keyboards, wind instruments, recording gear and more. Better equipment can help you make beautiful music.


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
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