We’ve all been there. You pick up a guitar, strike one chord, and feel that instant connection. It’s the one. But maybe dropping the full cash amount today just isn’t in the cards.
We don’t want you to settle for “good enough” gear just because of the upfront cost. That’s why we offer financing through the Synchrony Music & Sound credit card. Right now that includes 0% interest for 24 or 36 months on qualifying Gibson guitars $1,599 and up, and 18 months special financing on qualifying Epiphone guitars $499 and up.
Gibson and Epiphone Financing, Now Through February 22, 2027
A revolving credit card dedicated to your music gear. Synchrony works directly with brands like Gibson and Epiphone on special financing offers, and you can use the card for future purchases too.
Why You’ll Love It: It keeps your gear budget separate from your daily life. You can save your personal credit cards for groceries and gas, and use this specifically for future upgrades, pedals, or strings.
Synchrony purchases are handled by phone or chat so the right promotional plan is applied to your order.
The Gibson and Epiphone offers above apply to new, current-pricelist models. For used and vintage instruments, call (888) 794-8482 or start a Live Chat and we will tell you which Synchrony plans are available for that purchase.
Synchrony is a traditional credit application, so applying results in a standard inquiry on your credit report.
Yes. There is no penalty for paying your balance early. On a deferred interest offer like the Epiphone 18 month plan, paying the promotional balance in full before the promotional period ends is how you avoid interest charges.
Approval and credit limits are decided by Synchrony Bank based on your application. If you are not approved, call us at (888) 794-8482 and we will talk through other ways to make the purchase work, including trading in gear you already own.
Subject to credit approval. Minimum monthly payments required. See the Synchrony application for full terms, conditions, and interest rate details.
Monthly payments shown on Gibson product pages and product listings equal the listed price (excluding taxes and shipping) divided by 36, rounded up to the next whole dollar. They apply only with the 0% interest for 36 months offer below. If you make these payments by the due date each month, you should pay off the purchase within the promotional period if it is the only balance you are paying off. If you have other balances on your account, this payment will be added to any other minimum monthly payments.
Gibson and Epiphone Synchrony offers, 9/3/2026 through 2/22/2027
0% Interest for 36 Months
** On qualifying Gibson electric and acoustic guitar purchases of $1,599 or more after discounts made with your Synchrony Music & Sound Credit Card between 9/3/2026 – 2/22/2027. Qualifying purchase amount must be on one receipt. 36 equal monthly payments required. Participating retailers only. Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
0% Interest for 24 Months
** On qualifying Gibson electric and acoustic guitar purchases of $1,599 or more after discounts made with your Synchrony Music & Sound Credit Card between 9/3/2026 – 2/22/2027. Qualifying purchase amount must be on one receipt. 24 equal monthly payments required. Participating retailers only. Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
18 Months Special Financing, Deferred Interest
*On qualifying Epiphone electric and acoustic guitar purchases of $499 or more made with your Synchrony Music & Sound credit card from 9/3/2026-2/22/2027. Qualifying purchase amount must be on one receipt. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. Minimum monthly payments required. Participating Retailers Only. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
