Open a Sweetwater Credit Card between now and July 31, 2024 and earn $50 in Bonus Bucks! Exclusions apply. Open a Sweetwater Credit Card between now and July 31, 2024 and earn $50 in Bonus Bucks! Exclusions apply.

The Sweetwater Card allows you to get the gear you’ve always dreamed of today and pay over time with convenient monthly payments. Thanks to our close relationships with your favorite brands like Schecter, ProSoCoustic, United Studio Technologies and hundreds more, we're able to offer up to 48 months promotional financing*, on qualifying purchases, for a limited time. Promotional financing options available and offer period vary by brand. So, why wait? Apply now and pay over time!

The Sweetwater Card

Why the Sweetwater Card is so...sweet:

  • 0% interest with up to 48 equal monthly payments* for qualifying purchases. Promotional financing options available and offer period vary by brand.
  • Choose promotional financing or earn 5% back in Bonus Bucks on qualifying purchases of $99 or more when you use your Sweetwater Credit Card.
  • Hundreds of participating music brands.
  • Quick & easy to apply.
  • Use your approved credit amount to buy the gear of your dreams...today!
  • See if you prequalify with no impact to your credit bureau score.
Pre-Qualify Now

See if you pre-qualify:
Get a decision in seconds with no impact to your credit bureau score.

Apply Now

Apply for the Sweetwater Card
Ready to apply? Enjoy up to 48 months* promotional financing on qualifying purchases!

Manage Account

Already a cardholder?
You can easily check your balance, view statements, and make payments securely on Synchrony's website.


The reviews are in...

Rated 5/5

Getting an instrument with the Sweetwater card makes it so so easy for me to get a more highly prized guitar. Thank you, Sweetwater!

Michael T.
Rated 5/5

The financing option was simple and quick! My equipment arrived within 2 days. Thank you!

Matthew P.
Rated 5/5

I got an MPC Live and I love it – especially with 24 months and no interest! Wow! I’ll be a returning customer for sure!

Matthew S.

These popular items qualify for special financing with your Sweetwater Card

$124.00/month suggested payments

with 6 Month Special Financing

Learn How Product Photo Behringer 18-ch 12-bus X Air Rack Mixer

$50.00/month suggested payments

with 6 Month Special Financing

Learn How Product Photo Behringer P16-M Personal Mixer

Your favorite brands offer special financing through the Sweetwater Card

No results in promotional financing.

Sorry, we can't seem to find the brand you are looking for. However, 6 month deferred interest is available on all brands when you use your Sweetwater Card. See below for details.

0% Interest for 24 Months*

On purchases of select manufacturers' products made with your Sweetwater credit card now through the expiration dates listed below. Equal monthly payments required for 24 months. A Synchrony promo fee of 2% of amount financed will be included in required monthly payments.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

No Interest if Paid in Full within 6 Months

On qualifying purchases made with your Sweetwater credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

* Offer applies only to single-receipt qualifying purchases. A Synchrony promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related Synchrony promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a Synchrony promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related Synchrony promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related Synchrony promo fee) divided by the number of months in the promo period, rounded up to the next cent. 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. For New Accounts as of 7/16/2024: 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.

‡ A Synchrony promo fee does not apply to this offer. 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 6 month promo period. If you do not, interest will be charged on the promo balance from the purchase date. 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. For New Accounts as of 7/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. A Synchrony promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

§ A Synchrony promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related Synchrony promo fee and the required monthly payments. The estimated required monthly payment shown which excludes taxes and delivery equals the amount financed (including related Synchrony promo fee) divided by the number of months in the promo period, rounded up to the next cent. During the last month(s) of the promo period the required monthly payment may be reduced due to this rounding. These payments apply only with the financing offer shown. If you make these payments by the due date each month, you should pay off this amount financed (including related Synchrony promo fee) within the promo period, if it is the only balance you are paying off. If you have other balances on your account, this payment will be added to any other minimum monthly payments.

▵ Applies only to select items from this manufacturer. Ask your Sweetwater Sales Engineer for more details.

† Subject to credit approval. This offer cannot be combined with financing. The 5% back in Sweetwater Bonus Bucks will be calculated after all other applicable discounts are applied at point of sale. Excludes shipping charges. Minimum purchase of $99 required. Sweetwater Bonus Bucks will be loaded to your Sweetwater.com account once all purchased items have shipped, and they will expire in 60 days from load date. We reserve the right to discontinue or alter the terms of this offer anytime. Sweetwater Bonus Bucks terms and conditions apply. See this page for details.

¥ Subject to credit approval. To qualify for this offer, you must open a new Sweetwater Credit Card between July 15, 2024 – July 31, 2024. Sweetwater Bonus Bucks will be delivered via email for a future purchase within 48 hours of opening an account and they will expire in 60 days from the email date. Offer is valid for newly opened Sweetwater accounts only and only one $50 Bonus Bucks can be earned per account. Accounts approved after July 31, 2024 are not eligible for this offer. If application is submitted during the offer period, but is approved outside the offer period, cardholder will not be eligible for the offer. Sweetwater Bonus Bucks terms and conditions apply. See this page for details and excluded brands.