Our Policies
Financing Terms and Conditions

Financing Terms and Conditions


We take monthly rental payments by way of Automatic Draft. Payments are either taken out on the 1st or the 15th of each month, unless that day falls on a weekend or holiday; in that case, payments will be withdrawn on the next available business day. Autodraft is mandatory; we do not take payment with cash or card. Any accounts whose payments do not go through will be charged an additional $15.00 late fee.

If you do not have a bank account, call us at (479) 967-3273 or (800) 813-7333 for information on what you can do next. We have plans for everyone!

Credit Report

We conduct a consumer credit report on each applicant, which could influence their final monthly payment prices. We only use this report to determine customers’ financial readiness to finance an instrument and to determine which plan best suits each individual.

We have a required credit score of 650 or above to finance instruments with Cooper Music. However, Cooper Music has a plan for everyone, whether they have excellent, poor, or no credit at all. We do not deny anyone based on credit. If you do not think your credit score reaches our minimum, call us at 470-967-3273 for information on what you can do next.

Down Payments

We require a down payment when applying for an instrument. This can be in the form of cash, check, or card. Down payment prices are as follows:

New – $90.00
Like-New – $70.00
Used – $50.00

ALL Alto Saxophones and F-attachment Trombones have a down payment of $90.00, no matter the condition.

These down payment prices are the same for all instruments, no matter which Cooper plan or instrument brand you choose.

Required Information

Upon applying for an instrument, we do require certain information, such as birth date, social security number, driver’s license number, etc. Please note that ALL of this information is kept secure. All of the information you provide on your application will not be used in any way in which you have not consented. Any and all the information collected on will be kept strictly confidential and will not be sold, reused, rented, distributed, disclosed, or loaned. Additionally, if applying online, Cooper Music is a secured website, where all information is transmitted using SSL (Secure Socket Layer) encryption.

Hours of Operation

9:00am – 5:00pm


We are closed on the following holidays:
New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.


Store Phone: (479) 967-3273
Toll Free: (800) 813-7333


914 West Main Street
Russellville, AR 72801

Across main street from Kroger,
right next to the Smokehouse Deli.