Flute World offers easy, affordable financing for instrument purchases.

Pick the monthly payment that fits your budget!

Why finance your instrument?
Financing gets you into a new instrument now for an affordable monthly rate. 

  • Get a low, simple interest rate compared to average credit card rates.
  • Customize the length of the loan up to 60 months to fit your budget.
  • Get loan decision in minutes!

What financing options are available?

  • 12.99% APR with your choice of payment term
  • Payment terms of 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months
  • No penalty to pay off early!

What requirements are there to be eligible for financing?

  • You must be at least 18 years old to apply.
  • Minimum financed amount is $1000.
  • You must be a resident of the 50 United States.

Can I do a trial on an instrument that I wish to finance?
Yes, however, a hold on a credit card for the full amount of the instrument is required in order for us to send the flute out on a trial.

Can I use the financing I am approved for in place of a credit card hold for trial flutes?
No. All trials must be set up with a credit card. Since financing is not complete and funded until you sign the paperwork, it is not a valid form of collateral.

How do I apply for financing?
Click here to apply! For information regarding special financing offers (i.e. no interest offers), call us at (248) 855-0410 or email [email protected]

What if I am a full-time student?
Full time students are required to have a cosigner in order to be approved for financing.

Do I need to fill out the financing application before taking flutes on trial?
If you intend to purchase with financing, we ask that you submit an application prior to receiving instruments on trial.

Can I apply for financing if I visit the store?
Yes, financing is available to all our of customers that are legal residents of the United States.  We highly recommend that you start the application online from the comfort of your own home prior to your visit.

After I fill out the application, what happens next?
If you are approved for financing, a Flute Sales Executive will contact you. You can also contact us at (248) 855-0410 or email [email protected]. Please make sure that your email server will accept messages coming from fluteworld.com, umswb.com and echosign.com.

I have already been approved for financing and would like a copy of the contract that I signed for the loan. How do I obtain this and/or get questions answered once my instrument transaction has been finalized?
For security, Flute World does not have access to loan documents. Any questions related to the loan once it is executed should be directed to First Mutual (United Midwest Savings Bank) by calling (800) 468-2255.

Can I return an instrument once I have signed and finalized loan paperwork?
Please contact the representative who helped you with your purchase if you are unhappy with your new instrument. They will be able to provide more information.

I want to special order an instrument but I need financing. How does that work?
A non-refundable deposit of 50% of the instrument’s price is due on a special order item in order to get the flute into production. You are welcome to finance the remaining balance that is due prior to the flute shipping out to you, but financing is not available for the initial deposit.

Approvals are good for only 30 Days. After 30 days, you will be required to reapply.

BY SUBMITTING AN APPLICATION THROUGH FIRST MUTUAL FINANCING, YOU AUTHORIZE THEM TO RUN YOUR CREDIT REPORT. *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.

For more questions about applying for financing, please contact our instrument department at (248) 855-0410. For questions regarding completed financing, payments, copies of loan documents, etc., please contact First Mutual at (800) 468-2255.

*Special financing terms (interest free) are sometimes available. Restrictions may apply.