Flute World offers easy, affordable financing for instrument purchases over $1000. Pick the monthly payment to fit your budget!

You can own a new instrument* for as little as $22.75 a month (for an instrument costing $1,000 at 12.99% over 60 months) OR get a professional flute for as little as $227.48 a month (for an instrument costing $10,000 at 12.99% over 60 months). Credit approval required. Approvals are good for only 30 Days. After 30 days, you will be required to reapply.

Why finance your instrument?
Financing allows you to own a higher quality instrument for an affordable monthly rate. 

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

What financing options are available?

  1. 12.99% APR with your choice of payment term
  2. Payment terms of 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months

What requirements are there to be eligible for financing?

  1. You must be at least 18 years or older to apply.
  2. The instrument you want to purchase must be at least $1000.
  3. 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 still 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 hold for the amount of the flutes. This is a requirement from our insurance company and cannot be waived. Since financing is not finalized until you sign the paperwork, it is not a valid form of collateral. If you would like a flute shipped out as a final sale, then we can ship the flute out without a credit card hold once paperwork is finalized on all ends.

How do I apply for financing?
There are several ways to apply for financing! You can apply using the application on financing company’s website (using Merchant ID #793) or you can apply using the application provided by Flute World. For some special offers, it may be necessary to call us at (248) 855-0410 (i.e. special no interest financing offers).

What if I have poor credit or not enough credit built up and I think my application might decline?
If you have poor credit or have yet to establish any credit in your name, you will need to apply with a co-applicant for the initial application. Failing to do so will delay your application or cause a decline.

Do I need to fill out the financing application before taking flutes on trial?
We highly recommend that you fill out the application and submit it prior to setting up any trial period, although it is not required. If you wish to take a flute on trial, a hold on a credit card is still required, as the financing application/approval cannot be accepted as collateral for the trial. We apologize, but this requirement cannot be waived.

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. Due to processing times for applications and sales, there are a few restrictions when it comes to in-store financing.  We do need to allow several hours for financing to be approved and for all paperwork to be processed by the financing company before a flute can leave the store. Because of this processing time, all in-store financing must be done prior to 3PM EST on week days, and prior to 2PM EST on Saturdays.  We highly recommend that you start the initial application online from the comfort of your own home. Please contact us prior to arriving at the store if you intend on using financing.

After I fill out the application, what happens next?
If you are approved for financing, the instrument department will contact you via email. You can also contact them by calling (248) 855-0410 or emailing at [email protected]. Please make sure that your email program will accept emails 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?
Flute World does not have access to any loan documents due to security reasons. We merely handle the shippng of the instrument once you have finalized a loan. Anything related to the actual financing and loan documents needs to be directed to First Mutual by calling (800) 468-2255.

Can I return an instrument once I have signed and finalized loan paperwork?
Please contact our flute department if you are unhappy with your purchase for more information.

I want to special order an instrument but I need financing. How does that work?
A non-refundable deposit of 50-75% of the instrument’s price is due on a special order item in order to get the flute put 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, copes of loan documents, etc., please contact First Mutual at (800) 468-2255.

*Special financing terms (interest free financing) is sometimes available. Restrictions may apply. Please contact us with any questions.