Free Shipping on Most Orders**Free Shipping Order Minimums: $25 in Nevada, $150 for Contiguous USA States.
Excludes Used Instruments, Solist, Cases, Bass Clarinets and Percussion.
We utilize United Midwest Savings Bank (dba First Mutual) as our primary financing partner. They offer several great options for financing to fit your needs!
Can I Pre-Qualify First?
Yes you can! United Midwest Savings Bank now has a Pre-Qualification option that is quick and simply. Better yet, there is no obligation or impact on your credit report when you use the Pre-Qualification Process (though you would have to submit a full application to proceed with actual financing). There are 2 ways to do this:
How do I apply for financing?
There are 3 ways to apply for First Mutual Financing:
First Mutual performs a credit check through TransUnion to determine approval of an application.
United Midwest Savings Bank offers “E-Documents” allowing for digital signatures through secured methods provided by Docusign.
Yes & no… you cannot use the financing account for the purpose of an instrument trial. Once the financing is completed, we are not able to perform a refund or exchange on the actual financing paperwork as it will be tied to a specific serial number. However, if you do intend on using the financing, you can initially use a credit card to start the trial and then we can later refund the card upon signed financing documentation. This would work in the following steps:
No. All trials must be set up with a credit card as the financing is not finalized until you sign the paperwork. So even if you have an approved application, it is not a valid form of collateral as we cannot receive payment guarantee until we have signed documents. If you know that you are absolutely purchasing the instrument with no chance of return, we can complete all the paperwork and then ship the instrument upon completion of the financing paperwork, but the item is not easily returned except in extreme circumstances that would have to be approved by United Midwest Savings Bank.
If you have poor credit or have yet to establish any credit in your name, you will need to apply with a co-applicant for the initial application. Failing to do so will delay your application or cause a decline.
Yes, financing is available to all our of customers that are legal residents of the United States. Due to processing times for applications and sales, there are a few restrictions when it comes to in-store financing. We highly recommend that you start the initial application online before coming in to make the process quicker for you. Please contact us prior to arriving at the store if you intend on using financing.
If you are approved for financing, we will contact you. Once approved, you will receive an email from Kessler & Sons Music with the next steps. You can also contact us by calling Toll Free 1-888-830-0474 and ask for Dave Kessler.
Approvals are good for only 30 Days. After 30 days, you will be required to reapply.
Financing offer is available for legal residents of the 50 United States. Not available to residents of other countries
(including Canada) and residents of U.S. Territories, such as Puerto Rico and Guam.
Please Note, if you are outside of Nevada, then you do NOT need to input a tax amount as there will not be tax on your order. If you are in Nevada, or if you plan on picking up your financed instrument in person, then you must use a tax rate of 8.375%. When filling out the application, in the section marked “Make & Model”, please fill out with the brand, model & type of instrument – for example: “Selmer 52JU Alto Saxophone”
Please Note – Once Submitting Form, Do NOT Refresh This Page
After you hit submit, if you refresh this page, you could potentially re-submit the application again thus causing additional credit reports to be run.