American Musical Supply’s Payment Plan is a 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 0% Interest Payment Plans, and orders that qualify are broken up into equal payments based on the plan selected including any applicable fees, taxes and shipping charges. The first payment will be made at the time your order ships. 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 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 AMS 0% Interest Payment Plan 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!