American Musical Supply
American Musical Supply
1-800-458-4076
AMS Advantage
American Musical Supply
Ez Pay Later
  1. EZ PAY INFO
  2. 8 PAY BRANDS
  3. 12 PAY BRANDS
  4. FAQ
Get the gear you want, when you want it...that would be now!
Want all the details on the AMS 0% interest Easy Payment Plans? Here are some commonly asked questions, just click for the answers!

How does the payment plan work?

American Musical Supply’s Easy Payment Plan is an installment billing program. This means you do NOT need to apply for a new credit card that you may not want or need. The financing is all AMS and AMS’s standards, so there’s zero interest charged and no third party approving your purchase! AMS offers 3, 5, 8 and 12 Easy Payment Plans, and orders that qualify are broken up into equal payments based on the plan selected. The first payment will be made at the time your order ships and will include any applicable fees, taxes and shipping charges. Then every 31 days after your product has shipped the subsequent payments will automatically be made with the credit card on file. Are you wondering how much your payments will be? It’s really easy, each item will tell you if by itself it qualifies for an Easy Payment Plan and how much each payment will be. However just because an item doesn’t qualify doesn’t mean your order won’t. Once you place all of your needed gear into your cart you will see and can select any of the applicable Easy Payment Plans that order qualifies for. After you select a plan your payments are broken out in the payment details as “Today’s Payment” and subsequent payments!

When do you ship the order out?

We ship the order shortly after approval, and that is when the first payment is made. If the item is on backorder we authorize the first payment, but don’t actually make the charge on the card until the order ships.

Can I pay off my payment plan early? If so, are there any fees for doing so?

Yes, a payment plan can be paid off early by contacting Account Services at 877-281-8332 Mon-Fri 7am-5pm central, Saturday 8am-12pm. There are no extra fees involved.

When does the first payment come out?

The 1st payment is made when the order ships. If the item is on backorder we authorize the first payment but we don’t actually make the charge on your card until the order ships.

Do I get charged the processing fee for every new order?

Yes, an installment fee is added to each new payment plan order. This modest fee helps us offset the cost of processing the installments on the order.

Do you charge interest?

No, we do not charge interest on these extended payment plans.

What if I have bad or no credit?

With AMS you are not applying for a new credit card, and using your own existing card. This means you are more likely to be approved. We also take into consideration your history as a customer with us, which we value.

Why can’t I put my order on a 12 month payment plan and only a 5-pay?

The 12-month payment plan is available on qualifying items only. This information is noted on the product item pages, and your payment options are shown in the shopping cart.

When is my next payment due?

After the order ships, additional payments are automatically charged to your card every 31 days, and are independent of the due date of your regular credit card payment.

How do I find out the amount left to pay on an Easy Payment plan?

You can confirm your balance due by contacting Account Services at 877-281-8332 Mon-Fri 7am-5pm central, Saturday 8am-12pm. E-mail reminders are sent 5 days in advance of your next payment.

Can I be pre-approved?

Yes, you can contact the Credit Department at 877-276-3711 to see if you are pre-approved. Hours of operation are Mon-Fri 8am to 5pm, Sat 8am to 12pm (Closed Sundays)

Why do I have to provide my Social Security Number?

The longer payment plans (5, 8, 10 & 12-pay) all require a credit check and approval. This is customary in most any installment loan.

Can I pick the date that my payment comes out?

No, the payments are automatically deducted every 31 days after the order ships, so this is determined up front, and cannot be altered. However, this does not change the due date you have with your credit card provider.

Can I mail the order in and make payments with a personal check or money order?

No, Easy Payment plans are only available for use with credit or debit cards drawn on banks located within the 50 United States.

Can I add an item to my current payment plan?

After a payment plan order has been shipped and processed we are not able to add additional items to the order. We can place a new order for you, and if that new order qualifies it would be placed on another installment plan.

Can I make an extra payment or pay off the account at any time?

Yes, you can make extra payments or pay off the account completely by contacting the Account Services Department at 877-281-8332, Mon-Fri 7am-5pm central, Saturday 8am-12pm. There are no extra fees involved.

Why don’t I get the payment plan option on NFS or DSP products?

NFS and DSP items are heavily discounted products, with prices so low we are not able to offer extend payments on those products.

When will the 12 month pay be available again on a certain item?

Our 12 month payment plans will come and go on different vendors and items throughout the year. Be sure to sign up for our e-mail newsletters, and check our website regularly.

Is the payment plan based on the total price of the order or by item?

The payment plan is based on the total dollar amount of the order, provided they are qualifying items.

What is the dollar amount that will qualify for each payment plan option?

3-pay plans $249-$995, 5-pay plans $995-$3,000, 8-pay qualifying item up to $4,000, 10-pay qualifying item up to $4,000, 12-pay qualifying item up to $4,000.

Can I have more than one item on a payment plan?

Yes, more than one item on a payment plan is allowed.

Can I have more than one payment plan going at a time?

Yes, you can have more than 1 payment plan going at a time as long as when combined they are under the limit (3-pay $249-$995, 5-pay $995-$3000, 8-pay qualifying item up to $4,000, 10-pay qualifying item up to $4,000, 12-pay qualifying item up to $4,000).

What if I have multiple items on my order, but some are on back order?

The items that ship right away will be on their own installment plan and when the backordered item ships it will also be on its own separate installment plan. But when you add the 2 payments together it equals the same as if they shipped simultaneously.

Can I use my debit card?

Yes, you can use a debit or credit card.

Do I have to use my own card?

Yes, the card must be in your name.

How much will I have to pay today?

Your first payment includes the installment fee, taxes if applicable, shipping charges if applicable and the first payment of the order total.

How much will my payment be?

It’s really easy, each item will tell you if by itself it qualifies for an Easy Payment Plan and how much each payment will be. However, just because an item doesn’t qualify doesn’t mean your order won’t. Once you place all of your needed gear into your cart you will see and can select any of the applicable Easy Payment Plans that order qualifies for. After you select a plan your payments are broken out in the payment details as “Today’s Payment” and subsequent payments!

Can I use 2 cards, one for the shipping and one for the payment?

No, the first payment must be done on one credit or debit card.

Is a credit check required for all payment plans?

A credit check is required on all 5, 8, 10 and 12 payment plans.

Can I get an 8-pay or a 12-pay as the order dollar amount increases?

8, 10 and 12 pay plans are offered on specific qualifying items only. All payment options available are noted in the shopping cart.

Why is a certain product under $1,000.00 and can be on an 8-pay, while other items cannot?

We work closely with our suppliers to offer extended payments, and from time-to-time offer these special purchasing opportunities.

Why can’t customers in Puerto Rico and Canada have the payment plan?

Our extended payment plans are only available on orders which are billed and shipped to addresses in the 50 United States.

Can I use a gift card to pay for a payment or be applied towards an open payment?

Gift cards may be redeemed at the time of purchase, but cannot be applied to payments thereafter.

Can I use a reloadable/prepaid card on an Easy Payment plan?

No, we are not able to use this type of card on our Easy Payment plans.

What is my credit limit with AMS?

3-pay $249-$995, 5-pay $995-$3,000, 8-pay qualifying item up to $4,000, 10-pay qualifying items up to $4,000, 12-pay qualifying items up to $4,000. Depending on the results of the credit check, there is the possibility that a lower credit limit will be established.

With this specific item – what number of payments does it qualify for?

Each product will display directly on the item page if it qualifies for an Easy Payment Plan. However just because an item may not qualify doesn’t mean your order won’t. Once you place all of your needed gear into your cart you will see and can select any of the applicable Easy Payment Plans that order qualifies for. After you select a plan your payments are broken out in the payment details as “Today’s Payment” and subsequent payments!
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