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If you're on a tight budget (as are many musicians!), spreading the cost of your new gear is often desirable.
As you can see from the comparison table, a few stores require you to apply for their store credit card to get any kind of credit, often with pretty high interest rates (beware!).
Some, however, offer interest free payment plans without any card application. Finance is usually offered after a basic credit check. There's usually just a one off admin fee of $1 to $10, depending on how much you're spending and how many instalments you want to pay.
Typically, you'll pay the first instalment of your plan when you purchase the item(s) and make regular payments (e.g. every 30 days) thereafter.
Satisfaction Guarantee (Inc. Returns)
Another standard feature among some of the best online guitar stores is a "no hassle" money back guarantee. If you decide you don't want the gear you've bought, simply return it within the specified time frame for a refund or exchange.
If you're returning for a refund you'll have to pay the return postage costs. If returning for an exchange, the store will typically pay for the exchange item's postage. However, if the reason for return is that the product is defective, they will refund the full amount paid including postage and pay the postage to send out the replacement item, which makes sense as it's their fault.
Same Day Music offers the most generous returns policy, at a whopping 60 days. That's a long time to change your mind!
There are exceptions on which items are eligible for return, so be sure to check the store's returns policy if you're buying items that can't typically be resold once opened/used.