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We have three ways to help you purchase items with multiple payments.

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 are a number of programs, some interest free. Apply right here, right now!

Flexible financing available through Synchrony

Affirm - coming soon!

Buy now, pay later with monthly payments at time of purchase - get a real-time decision.

At the checkout point, under payment options, you are offered the option to spread out your payments for whatever you’re purchasing. You apply and are usually approved in seconds for what’s basically a short-term loan. 


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.