Buying Terms
Purchase Terms – Payment and Financing Options at Promusic
Promusic.az offers flexible and customer-friendly purchase options to make musical instruments and equipment more accessible for everyone. Whether you prefer to buy with credit, installment, or cash, our system is designed to provide convenience, transparency, and ease of use.
Credit Purchase Options
Promusic provides fast and reliable credit solutions tailored to different customer categories. Depending on your employment status and credit history, the following limits apply:
Customers with Official Employment
Customers with an official employment contract enjoy unlimited credit limits.
This means:
No maximum credit cap
Any product can be purchased on credit regardless of price
Only bank approval is required
The process is completed quickly and smoothly
This category receives the most convenient and flexible credit conditions.
Customers Without Official Employment but With Positive Credit History
If you do not have official employment but have a positive credit history with banks or installment cards, you are eligible for:
Up to 1000 AZN credit limit
If the product price exceeds 1000 AZN, the remaining amount must be paid as a down payment
Faster approval process
Flexible payment schedule depending on bank conditions
This option provides comfort and accessibility for customers with a clean credit record.
Customers Without Official Employment and Without Credit History
Even if you do not have a credit history or an official job, Promusic still offers credit opportunities:
Up to 500 AZN credit limit
If the product price exceeds 500 AZN, the difference is paid as a down payment
Quick and simplified evaluation process
This model allows new customers to benefit from the credit system.
Additional Credit Conditions
Minimum age: 20 years
Credit period: 3 to 24 months
Required document: ID card
Approval time: Within minutes
Cash and Installment Purchases
Installment Card Payments
Promusic accepts installment cards with up to 9-month installment options, including:
TamKart
BirKart
LeoBank
(Other installment cards that support installment plans)
No additional interest is charged by Promusic; only the card’s own terms apply.
Cash Purchases — Best Prices
For customers paying in cash:
Exclusive discounts
Seasonal promotions
Special offers directly from stock
Cash payments are ideal for obtaining the most favorable price.
Visit Us With Only Your ID Card
To apply for credit or installment, no additional documents are required. Simply visit our stores:
- Xalqlar Dostluğu branch
- Nərimanov branch
You can also submit a credit application online through our official website for faster processing.