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Gibson Synchrony Financing
Special financing on Gibson guitars
Get 0% APR for up to 36 months** or no interest if paid in full within 18 months* when you use the Synchrony Music & Sound credit card. Subject to credit approval.
Available September 3, 2026 through February 22, 2027
No interest if paid in full within 18 months*
- Minimum purchase
- $499
- Eligible guitars
- All Gibson and Epiphone electric and acoustic guitars
- Plan type
- Deferred interest
Interest adds up in the background during the promo period. Pay off the full promo balance within 18 months and you won't be charged any of it. If any balance is left when the promo ends, you'll be charged all the interest from the original purchase date.
0% APR with 24 or 36 equal monthly payments**
- Minimum purchase
- $1,599
- Eligible guitars
- All Gibson electric and acoustic guitars (Epiphone not included)
- Plan type
- Equal payments, no interest
No interest on the promo purchase. Your guitar is split into equal monthly payments that pay it off by the end of the term, so you know exactly what you owe each month and when you're done.
How it works
-
Find your guitar
Shop Gibson and Epiphone online, or come play them in Addison, Southlake, or Fort Worth.
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See if you prequalify
On any Gibson product page, tap "Learn how" next to the Synchrony message to see if you prequalify for the Synchrony Music & Sound credit card, with no impact to your credit score. Already have the card? Skip ahead. You can also apply at any Tone Shop Guitars location.
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Check out with your card
Online, pay with your Synchrony Music & Sound card and choose your financing plan right at checkout. In the store, just tell us which plan you want at the counter.
Common questions
Do Epiphone guitars qualify?
Yes, for the 18-month deferred interest plan on purchases of $499 or more. The 24- and 36-month 0% APR plans are for Gibson guitars only.
Do amps, pedals, and accessories qualify?
These promos cover Gibson and Epiphone electric and acoustic guitars only. Other gear bought on the card is billed under your regular account terms.
I already have a Synchrony Music & Sound card. Can I use it?
Yes. Existing cardholders can use these offers on qualifying purchases. See your credit card agreement for your account terms.
Can I split one guitar across two purchases or combine receipts?
No. Each offer applies to a single-receipt qualifying purchase that meets the minimum.
When does this offer end?
Gibson special financing runs September 3, 2026 through February 22, 2027.
Questions about financing?
Our team can walk you through the plans and help you pick the right Gibson. Call 972-661-TONE (8663) or stop by any of our three DFW stores.
Financing terms and disclosures
18 Month Special Financing, Deferred Interest
*Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.
0% Interest for 24 Months
**Offer applies only to single-receipt qualifying purchases. No interest will be charged on promo purchase balance, including related optional debt cancellation fees, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
0% Interest for 36 Months
**Offer applies only to single-receipt qualifying purchases. No interest will be charged on promo purchase balance, including related optional debt cancellation fees, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Credit extended by Synchrony Bank. Rates subject to change. Learn more about deferred interest at mysynchrony.com/deferred-interest (opens in a new tab).