Here’s what consumers have asked with answers from zZounds staff and previous consumers.
You can't start out buying a $2K guitar with bad credit. Buy a lesser model and pay it out over 4 months. I've never been turned down and have bought about $9K in guitars from them, with poor credit.
I don't know who wrote the Experian lie. From what I'm gathering from "reviews", Zzounds has/is in the middle of an outright, SMEAR CAMPAIGN. They have no "hidden agenda." They, from my end, having ordered many times and always on a payment plan, have never sent me an, after the fact, email or an indiscriminate document I supposedly signed w/o reading about interest payments are to be paid immediately upon receipt of email. You don't sign anything. You make your first, slightly higher payment that covers processing. It's prudent and wise to vet claims that just sound too good to be true, they are legitimate from this site, irregardless of the one trusted advisor who might know a lot on the subject but clearly, not everything. It's termed, "in house" credit which mean, the company itself is showing faith in you even w/o knowing or even wanting to know, your score. If you don't pay, they eat it or, depending on the amount, it becomes a civil matter It's kinda sweet when you consider (and you have) how much fraud you have, especially on the web. In the past there were many more businesses willing to trust you at your word. Because more people felt like Scarface did about the two things, he don't break for no one. Zzounds is the REAL Musicians Friend.
You can't use a prepaid card with zZounds. They require a bank issued debit card or a credit card. So long as you use your bank issued debit card that is linked to your checking account, you will not be charged interest. Or, use your credit card and pay it off to avoid interest. Your claim that zZounds is lying about charging interest is untrue. They don't charge interest at all. If you choose to not pay off your credit card balance and let interest build, that is completely your decision and not zZounds. Hope this helps answer your concern. I buy everything from zZounds on payment plans, never been charged interest as I use my bank issued debit card. :)