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.
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.