PSA: Sweetwater 36 Month Financing

Discussion in 'The Backstage' started by LesLuvva, Mar 11, 2014.

  1. LesLuvva

    LesLuvva Senior Member

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    For a limited time only: Sweetwater Musician's All Access Platinum Card | Sweetwater.com

    And, no, I don't work for Sweetwater. If you've been thinking about plunging back into debt for new gear (and I admit, I have), this is your chance. Happy Shopping!:thumb:
     
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  2. CwillyPlay

    CwillyPlay Senior Member

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    Look honey, I bought you a guitar and a stack too!!
     
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  3. Rich

    Rich Non sequitur Premium Member

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    Yeah... I'll be passing on that one. My Visa is only 9.99% and I usually just pay it off every month. The Sweetwater offer is good for some free money, but don't screw up on the payments and pay it off within the 36 months or... BAM! After 36 months and you're done with the offer, cancel it and never use it again.
     
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  4. Mad Scientist

    Mad Scientist Senior Member

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    What Rich said.

    Plus the Interest will be charged from the DATE OF PURCHASE! That means 36 months of Interest tacked on.
     
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  5. FennRx

    FennRx Senior Member

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    that's how ALL store credit cards work. Unless you're retarded, this is a good way to get an expensive piece of dream gear. Dropping $3k on that Gibson or PRS can really hurt. Dropping a $84 a month? Much more palatable.
     
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  6. Rich

    Rich Non sequitur Premium Member

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    I agree (it's how we paid for a portion of our wedding), but lots of people get in trouble with these offers. :naughty:
     
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  7. hrfdez

    hrfdez Senior Member

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    Or just freaking save for it, unless you have to have it RIGHT NOW, LOL....
     
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  8. Rich

    Rich Non sequitur Premium Member

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    Sometimes you do have to have it right now. My wife and I were going to wait two years before the wedding but her mother isn't in the greatest health so we did it in one year. If it weren't for the 0% for one year on a new Discover card (which will be paid off by the end of this month), it would have been a lot tougher to pull off, but we did it and the wedding is paid for.
     
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  9. SixAngryStrings

    SixAngryStrings SeƱor Member Premium Member

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    [​IMG]
     
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  10. tazzboy

    tazzboy V.I.P. Member

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    And no thanks I do it the old fashion way of saving my $$$ and getting it that way.
     
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  11. Groove Toad

    Groove Toad Banned

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    :wow: Ah, here comes the easy credit. The economy must be getting better.

    "A dime down, a dime everyday for the rest of your life." As my Grandad would say. No thanks.
     
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  12. hrfdez

    hrfdez Senior Member

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    I think that is a bit different than a guitar:thumb:
     
  13. bildozr

    bildozr Deliberately Obtuse V.I.P. Member

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    I've financed two guitars and paid them both off.

    Responsibility.

    I've had the money but decided I can afford the payment rather than jack up my savings.

    But 29.99% APR? Bump dat.
     
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  14. Rich

    Rich Non sequitur Premium Member

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    That's what I keep telling myself. :facepalm: :laugh2:
     
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  15. hrfdez

    hrfdez Senior Member

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    :applause:
     
  16. Jeremiah

    Jeremiah The Worst Premium Member

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    What happens to people who already have the card at 29%, will those people get to take advantage of the interest free financing as well? I think I know the answer, but it always pays to ask.
     
  17. LesLuvva

    LesLuvva Senior Member

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    You know, it's funny you mention that. I see these retailers offering 0% for 18-36 months. I don't know what it says about the overall economy, but I do think it's an indicator of how major financiers feel about inflationary pressure, at least in the short-mid term.

    In any case, this is a great time to get that LP Custom/Historic with little out of pocket as long as you can make the payments.
     
  18. LPG

    LPG I PLAY LIVE Premium Member

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    I use these interest free services all the time.

    About once a year I'll make a purchase then make sure I divvy up what I owe over the time period and MAKE THE PAYMENTS. I usually throw in a little extra in case something else comes up later but it seems to work well for me.

    No more than one a year though. Having to make two or three of these types of payments can start to weigh on you.

    Man, in my opinion, having that great big interest payout looming at the end of the term is all the motivation I need to pay the phucking thing off.

    My $0.02
    :)
     
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  19. Wrecks

    Wrecks Senior Member

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    Why would they even care when they know they can just get a huge taxpayer-financed bailout if things go south again?
     
  20. Ed B

    Ed B Senior Member

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    Yes it's still available to current card holders. I have a Sweetwater card and have done it.

    I signed up for one to gain an extra edge on the deal, years ago. I paid it off on the first bill.

    I've been there and done that with carrying balances. I wouldn't recommend it. The only debt I'm willing to take on for the long term is home mortgages. My wife and I are debt free otherwise. And it's the best feeling.

    It's easy to lock in for 3 years because you're getting something you may not be able to buy outright. 3 years is a LONG time to take on an $85 payment.

    I'm not preaching, but this is how debt starts. Soon you grab a less expensive piece of gear that tacks another $15 a month on. You justify the pile up by saying sh*t like "I spend more than than on coffee per month". :laugh2:. It's too easy for a reason.

    Don't do it unless you plan on paying it off much faster than 3 years.
     
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