5% back* or special financing**. Pick your perk: Bonus Bucks or special financing on qualifying purchases! Learn More. 5% back* or special financing**. Pick your perk: Bonus Bucks or special financing on qualifying purchases! Learn More.

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 Shure, Taylor, Alesis 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

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

Matthew P.
Rated 5/5

Your financing deals make it really easy. The Sweetwater card allows me to justify upgrading my equipment now, and pay easily over time. It's been a weekend warrior Sound Engineer / DJ's best friend!

Brian R.
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.

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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 48 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 48 months.

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

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.

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. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount 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 Account APR is 29.99% as of 1/1/2024. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

‡ 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 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 Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

§ The estimated required monthly payment shown (which excludes taxes and delivery) equals the promotional purchase amount divided by the number of months in the promo period. It is rounded to the next highest whole dollar. 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 promotional purchase amount 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.