How does this work? 
This is our most popular 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.

Simply click on the link above or at 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 this time we will also ask for your payment information.  

What is the monthly rental rate? 
The monthly rental varies by the instrument and condition. You will find the prices for 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. 

Will the original $4.99 apply to my principal balance? 
Yes all payments apply to the principal except the Maintenance and Repair fee M&R. 


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. 

 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 to hold the payment for a few days we can do that. 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 stated a $10 late fee will be added and your account will be considered in default. 

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. 

When will I receive the instrument? 
Under most situations, the instrument will be delivered directly to the 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 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 vaild drivers license, 2) a bank issued credit or debit card in your name. 3) Be employed or 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 decline any 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 balance equals the deposit. The only 2 instruments with a mandatory deposit is 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, neckstraps, 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 you feel the instrument has been stolen, we will need you to contact us to let us know as soon as possible. Often stolen instruments find their ways back to music stores or pawn shops where the thieves try to sell them for cash. We actively check these locations for stolen instruments. Also we will ask you to 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 rental 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 you will receive a copy on the same day.     
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