Financing with United Midwest Savings Bank

We utilize United Midwest Savings Bank (dba First Mutual) as our primary financing partner. They offer several great options for financing to fit your needs!

  • 12.99% APR up to 60 Months
  • No Pre-Payment Penalty!
  • Payment terms up to 60 months
    Example:  Monthly payments of $22.73 per $1,000 borrowed for 60 months at 12.99% APR
  • Select items may be offered on a 0% Interest Plans for 6, 12, 18 & even 24 month terms!
    Example:  Monthly payments of $41.67 per $1,000 borrowed for 24 months at 0% APR.
    (please contact Kessler & Sons Music if you are interested in special 0% financing)
  • You must be at least 18 years or older to apply.
  • The total amount financed must be at least $850.00
  • You must be a resident of the 50 United States.
  • No down payment required.
  • All loans subject to credit approval

Can I Pre-Qualify First?
Yes you can! United Midwest Savings Bank now has a Pre-Qualification option that is quick and simply. Better yet, there is no obligation or impact on your credit report when you use the Pre-Qualification Process (though you would have to submit a full application to proceed with actual financing). There are 2 ways to do this:

How do I apply for financing?
There are 3 ways to apply for First Mutual Financing:

  1. In the Shopping Cart – You can add all of your items to your shopping cart and at checkout select the UMWSB Financing option. This will then forward you to a partially completed application with all of the information from your shopping cart (name, address, phone, amount financed, etc…) already filled in for you. Simply fill in the rest of the information on the application (after agreeing to their terms & conditions of course) and submit the app! Once completed, you will receive one of 3 decisions: Approved, Review, or Declined. In the case of an Approved or Review result, someone from Kessler & Sons Music will then contact you to complete the financing.
  2. You can also apply for financing using the form at the bottom of this page.
  3. If you prefer, you can also apply for financing directly at United Midwest’s consumer financing site, also called First Mutual:

Financing F.A.Q.

  • You must be at least 18 years or older to apply.
  • The total amount financed must be at least $850.00
  • You must be a resident of the 50 United States.

First Mutual performs a credit check through TransUnion to determine approval of an application.

United Midwest Savings Bank loans do require additional processing time as a result of their loan process. Please expect a 2-3 day processing time after paperwork is signed before your order can ship. This can be more or less depending on the situation. As a retailer who offers UMWSB financing, we are required to wait for a formal “Funding Confirmation” email before we can ship. This email usually comes 24-48 hours after you sign the paperwork online, Once your paperwork is signed, we will start our own internal processing of your order so that when we receive that confirmation email from UMWSB, we can process your order as quickly as possilbe.

United Midwest Savings Bank offers “E-Documents” allowing for digital signatures through secured methods provided by Docusign.

Yes & no… you cannot use the financing account for the purpose of an instrument trial. Once the financing is completed, we are not able to perform a refund or exchange on the actual financing paperwork as it will be tied to a specific serial number. However, if you do intend on using the financing, you can initially use a credit card to start the trial and then we can later refund the card upon signed financing documentation. This would work in the following steps:

  • First, we would recommend that you apply and receive approval of the application first – approvals are good for 30 days
  • Second, you would order the instrument and pay with a credit card (we do charge the full amount but it can later be refunded)
  • After you receive the instrument and decide that you will keep it, we would then complete the financing paperwork and then would refund your credit card the amount financed.
  • If you decide to return the instrument and not complete the transaction, nothing is placed on financing and your credit card would be refunded under our normal trial/return policy described in our Terms & Conditions (links at the bottom of the page).

No. All trials must be set up with a credit card as the financing is not finalized until you sign the paperwork. So even if you have an approved application, it is not a valid form of collateral as we cannot receive payment guarantee until we have signed documents. If you know that you are absolutely purchasing the instrument with no chance of return, we can complete all the paperwork and then ship the instrument upon completion of the financing paperwork, but the item is not easily returned except in extreme circumstances that would have to be approved by United Midwest Savings Bank.

If you have poor credit or have yet to establish any credit in your name, you will need to apply with a co-applicant for the initial application. Failing to do so will delay your application or cause a decline.

Yes, financing is available to all our of customers that are legal residents of the United States. Due to processing times for applications and sales, there are a few restrictions when it comes to in-store financing.  We highly recommend that you start the initial application online before coming in to make the process quicker for you. Please contact us prior to arriving at the store if you intend on using financing.

Once submitted, United Midwest Savings Bank will email you their decision on the application (usually within 15 minutes of applying, during business hours). Make sure to check your Spam/Junk folder for an email from if you don’t see it right away.

If the application is approved, we will need you to e-mail a confirmation of what you want to order, as well as any additional questions to Dave Kessler at

All financed items MUST ship and be delivered to the address on file with the financing company. There are no exceptions to this. Furthermore, all financing purchases will require what is known as a “restricted delivery”. This means that the shipment cannot be re-routed or even be held at a shipping location. They must be delivered to the address on the application.

Approvals are good for only 30 Days. After 30 days, you will be required to reapply.


 Financing offer is available for legal residents of the 50 United States. Not available to residents of other countries
(including Canada) and residents of U.S. Territories, such as Puerto Rico and Guam.

Please Note, if you are outside of Nevada, then you do NOT need to input a tax amount as there will not be tax on your order. If you are in Nevada, or if you plan on picking up your financed instrument in person, then you must use a tax rate of 8.375%. When filling out the application, in the section marked “Make & Model”, please fill out with the brand, model & type of instrument – for example: “Selmer 52JU Alto Saxophone”

Please Note – Once Submitting Form, Do NOT Refresh This Page
After you hit submit, if you refresh this page, you could potentially re-submit the application again thus causing additional credit reports to be run.