Payment Methods & Financing
dirtcheep.com accepts VISA, MasterCard, American Express, Discover, PayPal, Shop Pay, Apple Pay, Google Pay, and Affirm as payment methods. In addition, our brick and mortar location in Smyrna, GA accepts cash, CashApp, Venmo, Bitcoin, and SNAP Finance...or use the Pay-In-Four financing built into dirtcheep.com while you shop in-store and leave with your purchase immediately.
If your church or business understands the tax advantages of a lease-purchase and would like an affordable monthly payment, we partnered with Marlin Capital to make this happen (with qualifying creditworthiness). Please see the details below for institutional financing.
Dirt Cheep customers LOVE using Snap Finance to take home their musical gear with no credit check and 100 days to pay with no interest. It's easy, fast, and you can apply now and be ready to shop when you come into our store... all with no hit to your credit score. If you are 18, have a checking account with a major bank, and a steady source of income you're ready to apply. Click here to apply with no credit check.
Buy now and pay later using Shop Pay Installments. Now, when you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% APR interest payments -- with no additional, hidden, or late fees. Most customers are already approved. Click here to learn more about Shop Pay Installments.
Affirm is built into our website as a simple way to do 3, 6, or 12 payments without a hard credit check, and have your payment taken off your debit card automatically each month for a small fee. For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR. The Affirm payment option is built into the product page of each item on our site, but to avoid interest or fees you may enjoy using Shop Pay Installments more.
Marlin Capital is our premier partner for businesses (not persons) who need hardware for their facilities and options to pay over a 3 to 5 year period at a lower rate than the big banks. Marlin works with contractors like our DCPRO division on a regular basis and understands that speed is important when a need arises. Click here to learn more about Marlin Capital, or click the button below to get an instant quote with no obligation.