Before You Start – Get Pre-Approved
For the fastest, smoothest checkout experience, we highly recommend setting up your Affirm or PayPal Pay-Over-Time account before you shop. This quick step will let you know exactly how much you’re approved for—or if you qualify at all—before you begin checkout.
In our experience, any delays during checkout are almost always due to incomplete account setup or a declined application. Setting up ahead of time avoids the wait and keeps your purchase moving.
Pay Over Time with Affirm – Flexible Financing for Musicians
At Roxy Music, we get it—sometimes inspiration strikes when your budget isn’t ready. That’s why we’ve partnered with Affirm to offer flexible, transparent financing options at checkout. Whether it’s your dream guitar, a new drum kit, or the right piece of gear to elevate your next performance, Affirm helps you say yes without sacrificing financial peace of mind.
How It Works
- Fill your cart
Shop like normal. When you're ready to check out, select Affirm and enter a few quick details for a real-time decision. - Choose your payment plan
Pay in 4 interest-free biweekly payments or monthly over 3, 6, 12, 18, 24, or 36 months. You’ll always know exactly what you owe—no hidden fees, ever. - Make payments over time
Manage payments via the Affirm app or affirm.com. They’ll send you helpful reminders, so you never miss a beat.
Why Musicians Love Affirm at Roxy Music
- Transparent: You see the total cost up front. No surprises.
- Flexible: Choose the plan that fits your budget.
- Fair: No late fees or penalties—ever.
A Few Notes from Our Team
- Affirm financing is not available on special orders or layaway purchases. These must be arranged in-store.
- Eligible products will display the Affirm logo during checkout.
- Financing rates range from 0% to 36% APR, based on your credit and term length. An eligibility check is required. Availability varies by state.
Example Breakdown
That $1,000 amp you’ve been eyeing? With Affirm, you could pay just $91/month for 12 months at 15% APR*.
*Actual terms depend on your eligibility and selected plan at checkout.
Get the gear you need—without skipping a beat.
Try Affirm at checkout or learn more at affirm.com.
Pay Over Time with PayPal – Another Flexible Option
Already use PayPal? With PayPal Pay-Over-Time, you can split your purchase into smaller, more manageable payments—often without interest, depending on the offer.
How It Works
- Select PayPal at Checkout
When you check out, choose PayPal as your payment method. - Choose “Pay Later”
Inside PayPal, select Pay Later or Pay Monthly and follow the prompts to confirm your plan. - Complete Your Purchase
PayPal handles the financing while you get your new gear right away.
Why Musicians Love PayPal Pay-Over-Time at Roxy Music
- Convenient: Use your existing PayPal account—no need to create another login.
- Fast: Approval often happens instantly.
- Flexible: Choose between short-term, interest-free installments or longer monthly payments (interest rates may apply).
A Few Notes from Our Team
- PayPal Pay-Over-Time is not available on special orders or layaway purchases. These must be arranged in-store.
- Availability may vary by your PayPal account history and location.
- Interest rates and terms are set by PayPal at the time of purchase.
Ready to shop?
Learn more at PayPal’s Pay-Over-Time page and see your available offers before you buy.
Affirm vs. PayPal Pay-Over-Time – Which is Right for You?
| Feature | Affirm | PayPal Pay-Over-Time |
|---|---|---|
| Setup | Quick sign-up via app or website | Use your existing PayPal account (or sign up in minutes) |
| Payment Options | Pay in 4 (interest-free) or monthly over 3–36 months | Pay in 4 (interest-free) or Pay Monthly (term lengths vary) |
| Interest Rates | 0%–36% APR depending on eligibility | Often 0% on Pay in 4; APR varies for monthly plans |
| Account Management | Manage via Affirm app or website | Manage within PayPal account |
| Approval Speed | Real-time at checkout | Instant in most cases |