How does this work? 
This is our newest option. It is a "Rent to Own" plan. Each month the total amount minus the Maintenance & Repair  fee (M&R) is applied to the full purchase price of the instrument. When the amount due on the instrument reaches zero. The instrument is yours to keep and no more payments are required.

You begin making your regular payments on the day you take the instrument home and each month thereafter. However you have the option to suspend any 2 months of your choice without making a payment during the calander school year (August to July).

 Simply click on the link at the top or the bottom of this page to go to the application. After completion, a representative from Harris Band Instruments will contact you to verify your information and complete the contract. At that time we will also ask for your payment information. 

What are the advantages of the "Skip2" plan vs. the $4.99? 
The advantage is flexibility. If you are able to make your payments starting immediately, the Skip2 plan may be the best option for you. If you would like to suspend your payments for 2 months during the summer when your child is out of school or during the holidays when having a little extra cash might be helpful. Or for any other reason that you may need, just let us know prior to your due date. 

How much will I be required to pay when I receive the instrument? 
On the "Skip 2 Months" option you simply pay the standard monthly rental rate for your instrument. 

If I've already skipped my 2 months, can I skip additional months? 
Not during the calendar school year which starts in August and ends in July. However once the calendar roles over to August, you can then choose another 2 months to suspend your payment. 

I didn't use my 2 months in the previous year, can I use them this coming year?
No, the skipped months do not roll over. 

What is the monthly rental rate? 
The monthly rental varies by the instrument and condition. You will find the prices on the rental options on the previous page.   

 Can I return the instrument and stop payments? 
Yes... At any time, as long as your account is up to date, you can bring the instrument back to us and we will discontinue all payments. 

What if my child decides to switch instruments? 
Sometimes kids take a while to figure things out. The great thing about the Rent to Own option is if your child decides to switch their instrument simply bring the instrument back to us. We will be more than happy to update the contract with the instrument your child has chosen. All funds previously paid will apply to the replacement instrument.

How do I make payments?   
On a set date each month, your payment will be automatically drafted from your credit or debit card account. 

What if I need to skip a payment or I can't make a payment?

The payment each month is due on a specific date. If you need us to hold the payment for a few days we will be more than happy to do so. All we ask is that you contact us before your payment due date. We will then reschedule your payment for the date you request. However, if you do not contact us or the payment does not process on the day you have requested a $10 late fee will be added to your account and your account will be considered in default. We do not allow you to skip a month if we were not contacted prior to your due date.  

What happens if I miss a payment?

A $10 late fee will be added to your account if the payment is not made by or on the due date. If your credit / debit card is unable to be processed, we will contact you on that day (except Sundays) to make payment arrangements. If a payment or arrangements are not made on that day, a $10 late fee will be added to the account. 

Can I make payments early? 
Yes, you may visit or call us any time to make your payment. Or if you request we can e-mail you an invoice with an option to make your payment on-line. 

Can I pay the balance off early?
Yes you may. At any time while renting if you choose to pay the balance in full, we will give you a 20% discount based on your remaining balance.  

When will I receive the instrument?
 
Under most situations, the instrument will be delivered directly to your childs school within a week of completing the application. We will be able to give you an approximant date of delivery over the phone. If you choose to visit us at our store in Covington, you will likely be able to receive your instrument that same day. However larger and more expensive instruments such as a tuba and baritone may require a few extra days to receive from the main warehouse. 

What are the requirements? 
We simply ask for 3 things in order to qualify. 1) A valid drivers license, 2) a bank issued credit or debit card in your name. 3) Be employed and have a verifiable source of income. 

I'm self employed, would I still qualify? 
Yes, however we will need proof of self employment. A Tax ID or Employer Identification Number (EIN) will be required. This information can be found on your state or county issued business license or federal tax return.

Do you do a credit check? 
No, we do not perform a credit check. However we do ask that you meet the above criteria before receiving an instrument.

Can my application be declined? 

Yes we have the right to refuse an application. 

Will I ever have to pay a deposit? 

Under certain circumstances we may request a deposit. This includes larger and more expensive instruments or those that tend to be damaged more easily. This deposit will be applied to the principal balance when the remaining balance equals the deposit. The only 2 instruments with a mandatory deposit are the tuba and the percussion kit. 
 
What is the Maintenance and Repair plan? 
Maintenance and Repair (M&R) covers the cost of any repairs that may be required while you are making payments on the instrument. This is a mandatory cost of $5 per month for all instruments except for the tuba which is $7 per month. M&R includes standard wear and tear and a cleaning once a year. This does not include replaceable parts or accessories such as mouthpieces, reeds, neck straps, etc. More detailed information will be included the terms and conditions section of your contract.  

If the instrument is lost or stolen what are my options for replacement? 
Technically when you take possession of the instrument it is your responsibility. However we understand unfortunate events do happen from time to time. If the instrument has been stolen, we will need you to inform us as soon as possible! Often stolen instruments find their way back to other music stores or pawn shops where the thieves try to sell them for cash. We actively network with these locations for stolen musical instruments. All we ask you to do is contact the police in your area and file a police report. We may also ask for additional documentation depending on the situation. Once we have the information we request including a copy of the police report we will replace the instrument with an instrument of similar age and condition.  

Does this plan include the music books or other accessories my student may need. 
No it does not. However we have in stock all the method books used by instructors in our service area. Various accessories such as mouthpieces, oils, care kits and other upgrades are also available. In the application you can choose the upgrades you are interested in. 

When will I be contacted? 
Usually within 24 hours (except for Sunday) you will receive a phone call from us to finalize your application and arrange for your payment. We will never ask you to give us your credit card info or social security number on line. 

When will I receive a copy of the contract? 
Upon completion a copy of the contract will be sent to you via e-mail or the USPS if requested. We will receive your signature as part of the on-line application. If you choose to visit us in store it will be completed and given to you on the same day.    

Take me to the application  Take me to the application  Take me to the application