Installment Financing After receiving many requests, I’m happy to announce that I can help with a payment plan. American General Finance Services has agreed to finance (on approved credit) band and orchestral instruments offered from Just Joe’s Music. Included is a 90 days same as cash option. Instruments $500-$750 - up to 18 months Instruments $751-$1000 - up to 24 months Instruments $1001 and over - up to 36 months Example: Amount Financed: ( purchase price, less any down payment ) $995.00 Term: ( number of months ) 24 Monthly Payment: ( amount financed x monthly factor ) $49.67 Total of Payments: ( monthly payment x term ) $1192.08 Finance Charge: ( total of payments minus amount financed ) $197.08 Rate Chart: APR 6 12 18 24 36 Interest Rate Month Factor Month Factor Month Factor Month Factor Month Factor 18.00% 0.175526 0.091680 0.063806 0.049924 0.036152 Please contact me with any questions you may have. “Just Joe”