Friend of mine introduced me to Zzounds about a year or two ago. Was a little skeptical at first, but now they're my go-to store. Have had nothing but positive experiences.
Great selection, relatively lenient as far as extending credit, almost always free 1-2 day shipping on purchases, and great customer service.
Their payment plan is how I was able to get my ESP mh1007et guitar, focusrite interface and Shure studio headphones. Those are just about paid off, so next up is a Headrush FRFR for my Axe FX: D
Now because Ive already had a payment plan that's gone well, they offer $1,000 in financing with no credit check. Cant beat it with a stick if you dont have perfect credit to begin with.
A+++