Harp In LA is happy to provide you with assistance in financing a Dusty Strings harp as well as any of the used instruments located at our studio shown on our Used Listings site.* We can calculate your approximate payments and have credit approval normally within 1 business day after receiving your credit application. Depending on the model, some monthly payments are close to the amount of a monthly harp rental payment.
HOW FINANCING WORKS
Credit approval is based on credit history, so if your credit is good (or you apply with a co-signer) then you can decide to put nothing down, 10% down, 50% down, whatever you want. Bear in mind, the more you put down, the less interest you'll pay and the lower your monthly payment will be. You can choose terms up to 10 or 15 years in most cases and also note, you can payoff the loan whenever you like with no penalty fee. Here's some facts:
Financing is available to anyone living in the contiguous United States.
Any shipping and insurance fees local sales tax or credit card fees (when applicable) can also be financed.
All financing requests are approved by SYNCHRONY MUSIC. Personal and financial information asked during your finance application process is kept confidential between you and SYNCHRONY MUSIC. Harp In LA has no influence to the outcome of an application's approval.
Credit approval remains valid for 60 days from date of approval. If after 60 days an instrument has not yet been financed, a new application must be completed and approved.
There are no prepayment penalties and interest is accumulated on the balance owing only.
First payment begins approximately 30 to 45 days after the loan terms have commenced. Tell us when each month is convenient for you to pay.
* Used instruments listed by a private party on our Used Listings site are not permitted for financing.
Used instruments available at the HILA Studio are available for purchase permitted financing (pending approval), however, local sales tax will be applied to the end purchase amount.
pre-QUALIFY
A Pre-Qualify allows you to know if you qualify for financing without going through a credit rating. Download and complete this application form and email it to HARP IN LA. Pre-Qualify results normally arrive within 24 hours. Pre-Qualify will confirm the amount you can finance between $1,000.00 - $200,00.00. Once you know that you are qualified you have up to 50 days to apply for financing. If you receive a message that the application cannot be completed or requires additional information, don't worry. Contact HILA and let us know. It could be simply that a security follow-up is required or approval from you to do a credit check.
A Pre-Qualify allows you to know if you qualify for financing without going through a credit rating. Download and complete this application form and email it to HARP IN LA. Pre-Qualify results normally arrive within 24 hours. Pre-Qualify will confirm the amount you can finance between $1,000.00 - $200,00.00. Once you know that you are qualified you have up to 50 days to apply for financing. If you receive a message that the application cannot be completed or requires additional information, don't worry. Contact HILA and let us know. It could be simply that a security follow-up is required or approval from you to do a credit check.
Applying FOR CREDIT
Pre-Qualify allows you to know if you qualify for financing. If you are ready to purchase an instrument, let HILA know what harp you'd like to purchase. Download and complete this application form, and email it to HARP IN LA. Results should arrive within 24 hours.
IMPORTANT INFORMATION TO INCLUDE WITH YOUR APPLICATION
When sending your completed application form to HILA, include the following information:
1. What term (how many months and/or interest rate) you'd like to finance for. We can figure approximate monthly costs to help you determine your total finance costs.
2. What time of the month you'd like payments to commence.
3. If you are interested in auto-payments from your bank, send us a copy of a check showing the ACH information found on the bottom of your check. We will also send you a form to fill out.
4. A pdf attachment of form of identification such as a California Driver's License (CDL).
5. A pdf attachment of primary credit identification such as a credit card.
Once approved, the harp is yours!
Any questions, please contact Heidi directly via e-mail or phone 818-495-4652.
CURRENT
INTEREST RATES
$1,000 - $24, 999 : Up to 2 years -8.99%
$1,000. - $200,000: Up to 7 years - 9.49%
$1,000. - $200,000: Up to 10 years - 10.49%
$1,000. - $200,000: Up to 10 years - 10.49%
$1,000. - $200,000: Up to 15 years - 11.99%
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*By law, financing is only available to residents of the
