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12-Pay Options for Guitars and Guitar Gear

In Stock Guitar Gear

Get ready to make the leap into a new guitar, amp, effect, or mix-and-match bundle! American Musical Supply’s popular 0% interest payment plans provide you with ultimate flexibility and convenience. Our 12-pay plan is a favorite for musicians and there is no credit check with our 6-pay plan. Order today and your gear ships right away!

Our EZ-Pay program offers a simple way to order qualifying guitars, amps, pedals, and accessories with monthly payments, no interest, no fees, and no credit check on eligible orders. The 12-Pay option gives you added flexibility by extending payments over a longer period.

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7 Items

  1. Taylor 114ce Grand Auditorium Acoustic Electric Guitar with Gig Bag

    Taylor 114ce Grand Auditorium Acoustic Electric Guitar with Gig Bag

    Special Price $799.00
    Taylor 114ce Grand Auditorium Acoustic Electric Guitar The Taylor 114ce Grand Auditorium Acoustic Electric Guitar delivers exceptional versatility and easy playability at a budget-friendly price point, making it ...

    12 Payments of $66.58

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  2. Taylor 214ce-K Grand Auditorium Acoustic Electric Guitar with Gig Bag

    Taylor 214ce-K Grand Auditorium Acoustic Electric Guitar with Gig Bag

    $1,099.00
    Taylor 214ce-K Grand Auditorium Acoustic Electric Guitar With its remarkable versatility and effortless playability, the Taylor 214ce-K Grand Auditorium is an acoustic-electric guitar that feels right at home in ...

    12 Payments of $91.58

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  3. Fender Acoustasonic Standard Tele Aged Natural View 8

    Fender Acoustasonic Standard Tele Aged Natural

    $629.99
    Fender Acoustasonic Standard Telecaster The Fender Acoustasonic Standard Telecaster is a genre-bending powerhouse that puts acoustic richness and electric grit at your fingertips. Built on revolutionary acoustic ...

    12 Payments of $52.50

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  4. Taylor GS Mini-e Mahogany Acoustic Electric Guitar

    Taylor GS Mini-e Mahogany Acoustic Electric Guitar with Gig Bag

    $699.00
    Taylor GS Mini-e Mahogany Acoustic-Electric Guitar Natural The Taylor GS Mini-e Mahogany combines a compact, scaled-down body with the powerful voice and projection of a full-size guitar, making it the perfect ch...

    12 Payments of $58.25

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  5. Martin D-X2E Billy Strings Acoustic Electric Guitar with Softshell Case View 2

    Martin D-X2E Billy Strings Acoustic Electric Guitar with Softshell Case

    $949.99
    Martin D-X2E Billy Strings Acoustic-Electric Guitar The Martin D-X2E Billy Strings signature model is your chance to capture the lightning-fast feel and powerful tone of a modern bluegrass legend. Inspired by Bil...

    12 Payments of $79.17

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  6. Martin D-18 Satin Acoustic Guitar Natural View 2

    Martin D-18 Satin Acoustic Guitar Natural

    $2,599.99
    Martin D-18 Satin Acoustic Guitar Natural The Martin D-18 Satin represents everything that made the golden era of acoustic guitars legendary, now refined with modern playability enhancements that make it irresist...

    12 Payments of $216.67

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  7. Taylor 24ce Grand Auditorium Acoustic Electric Guitar with Bag Natural View 2

    Taylor 24ce Grand Auditorium Acoustic Electric Guitar with Bag Natural

    $599.00
    Taylor 24ce Grand Auditorium Acoustic-Electric Guitar If you’ve been hunting for a guitar that feels like a high-end companion without the high-stakes price tag, the Taylor 24ce is your new best friend. This Gran...

    12 Payments of $49.92

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How EZ-Pay Works on Guitar Purchases

When a qualifying guitar or accessory is available on 12-Pay, you make the required upfront payment at checkout, and we ship your order. The remaining payments are automatically charged each month to the card you provide. If your order meets EZ-Pay requirements, there is no credit check. You can review our full EZ-Pay plan details for information on eligibility and billing timing.

Why Guitarists Choose 12-Pay

Guitars, amps, and effects can represent a significant investment, and the 12-Pay plan helps make those purchases more manageable. Customers use it for electric and acoustic guitars, tube amps, modelers, multi-effects units, and other qualifying gear because it keeps monthly payments steady while allowing them to move forward with the equipment they want.

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