Dillon Music?

[tubadood5150]

Question for those who have bought from Dillon's. How does the payment thing work with them? Is there a way a payment plan can be set up or is it strictly the upfront sum? This seems to be the best place for me to go, and if there is a payment plan option, they will DEFINITELY have business from me. Any info will be greatly appreciated!

Thanks,

Rich

[GC]

PAYMENTS/PURCHASES
All orders must be paid in advance via Cashiers Check, MC or Visa. or Discover Card. Foreign orders require a bank check in US funds drawn on a US bank or bank wire transfer. There is a $35 charge for returned checks.

http://www.dillonmusic.com/Brass.aspx?pid=4

[kontrabass]

^^ that looks like a policy for online orders, not a declaration of a lack of payment plan.

[tubadood5150]

Sorry for the lack of specifying the most important thing. I would be actually going to the store to do this.

[TexTuba]

^^ that looks like a policy for online orders, not a declaration of a lack of payment plan.

Well, it does clearly state that ALL orders must be paid in advance and it mentions nothing about a payment plan in their policy. The only real way for the OP to get this question answered is to call them up.

[tubadood5150]

Thanks, will do!

[GC]

Few music stores do their own financing, though a few (even fewer now) run internal charge accounts for preferred customers. Usually they have an arrangement with a nearby bank. If this is the case, you would do well to shop around locally for interest rates before agreeing to any finance deal.

[Ferguson]

Here's a tip:

If your credit is decent, (or at least you have a co-signer who has some good credit), you can get financing for 6 months at zero percent interest on most any instrument through the Yamaha Music and Sound credit card. Their financing is from GEMoney, and it's the sort of program you've seen at Home Depot and Circuit City for years ("6 months same as cash!"). This financing is available for any instrument, not just Yamaha. I think most Yamaha dealers would offer a plan like this (Dillon is a Yamaha dealer), and dealers of other brands, like Conn-Selmer, may offer something similar as well.

The way these cards work is that you get a new GEMoney credit card, with the standard pricey 23% or so interest rate. But if you make a large purchase, several no-interest plans are available, and GEMoney will waive the accrued interest: IF you choose that plan at time of purchase, IF you make the minimum payments on time AND ALSO pay the remaining balance due on time. Like coupon clippers who take that extra time and then save a little money, if you're diligent about paying your bills on time, you can save money here too. There is a lot of fine print on the application as you might expect. GE makes their profit by charging a slightly higher card processing rate to the dealers, and from interest payments from the clients who don't pay on time. You may also be able to get 12 months at 0% interest as well. We don't usually offer that because it costs us 5% more, but in these times, I think you'll find many retailers banding a bit if that helps make the sale.

You also might call Dillon directly to get the best info.

Best,

Ferguson