When you pair your tax refund with an AMS true 0% interest monthly payment plan, the result is the most comfortable way to invest in a new guitar! Our huge selection of top-selling acoustic and electric guitars from the best brands will match your musical needs and your budget perfectly. Use your own debit or credit card and enjoy simple, regular payments every 31 days with true 0% interest! The credit approval process for our 5, 8, and 12-pay plans is easy and you're automatically Pre-Approved for the AMS 3-pay plan on all purchases from $49 - 1,500!