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We have two ways to help customers purchase items they may not be able to afford to pay for all at once.


A "Layaway" enables a customer to make smaller payments on an expensive item until it is paid off. It is a short-term plan (one to three months) where
 you make regular payments to Union Music, without fees or interest. The initial payment is 20% and the merchandise remains at the store until all payments are made. No financial approval required.

Synchrony Financing

Union Music has a relationship with Synchrony Bank such that we are able to offer a Synchrony Bank Credit Card at the time of your purchase.  There is a short application, where we can send the information online; Synchrony will approve or disapprove the application within minutes. There are a number of programs, some interest free.