How It Works

Buying or renting an instrument is a very simple process at Cooper Music. We have 3 different plans, which you can read about below!


With our cash price option, you get an instrument at a 20% cheaper cost than our rent-to-own plan. No interest, no payments, you buy it and it’s yours.

Not only is this the cheapest option, but you also receive numerous bonus items for free, such as a 1-year repair warranty, a manufacturer’s warranty, and a music stand.

Simpy visit our online shop or come see us in person to purchase an instrument. You can even input your child’s name, school, and band director and the instrument will be delivered directly to your school!


Our cash price with promotional financing option is available through our partnership with Klarna®. With this option, you can still have the 20% cheaper cash price option but pay it over time with monthly payments. 

What makes this option so appealing is the option to pay off this cheaper price with 0% interest. This is subject to change based on credit score, as the interest can range from 0% to 9.99%. 

All you need to do is visit our shop, choose your instrument and accessories, and apply for financing in the cart page. A decision is made immediately and you will be ready to own an instrument!

To learn more about the details for this option, visit Klarna’s website here.

Please note that returns are not accepted!


Our rent-to-own option provides you with the option to pay off an instrument over the course of 24 monthly payments with 11.29% interest. The overall cost of the instrument is higher than the cash and promotional financing options, but we do accept returns after 4 months of payment.

If you would like to pursue this option, visit our apply for an instrument page, fill out the application, and make your initial payment. You will be notified within 1-3 business days whether or not you have been approved. From there, you will simple make monthly payments through way of autodraft until the instrument has been paid off or until it has been returned to us. Any late payments will result in a late fee of $15.00.   

Ready to get started?

Go to our online store now to purchase or finance an instrument! Or visit our application page to apply for our rent-to-own plan.

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.