Piano Credit Company

In observance of the Christmas holiday, our hours are as follows: Tuesday, December 24, 2024 we will be open from 9 am to 1 pm; Wednesday, December 25, 2024 we will be closed. We will reopen for normal business hours on Thursday, December 26, 2024. Your accounts are available 24/7 using our online banking, mobile app or ATMs.

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Access your loan account via the login button.

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About Us

Started in 1998 as National Piano Finance and Leasing Company (NPFL), Piano Credit Company (PCC) was formed by three shareholders with a passion for music and was originally based in Chagrin Falls, Ohio. We welcome all brands and all dealers to provide industry-competitive interest rates on high-priced musical items.

Real Industry Experience

As music-industry veterans, PCC employees understand the needs of today's piano and keyboard dealers. We provide creative alternatives for financing large musical instruments, but we also strive to maintain a level of consistency you can rely on. This commitment to the industry allows The Piano Credit Company to provide a service that you can't afford to be without.

Responsive Dealer Service

Piano Credit Company offers immediate access to loan requests via our dealer website 24/7. Our website directly communicates with our underwriters and retailers for an immediate response to new loan requests. We also offer an underwriting contact center during regular hours of operation to offer live assistance to your customer and sales staff.

What You Need to Succeed

Simplified financial options are readily available for your customers that cover all makes, sizes, brands, and age of instruments. Specialty finance services, such as "same-as-cash" are available to all dealers. We can also provide additional on-site support staff for special outside sales events to assist with underwriting, paperwork, and supplies at your next sale.

Expect Satisfaction

Dealerships require support to succeed. At Piano Credit Company, every effort is made to recognize the need of each individual dealership. Our organization is eager to listen to financing needs, promotional ideas, or issues with our current level of service. Always feel free to let us know how we can improve our service.

Current Rates

Rate	Term	Cost to Dealer	Loan Amount	Eligible Product
9.25%	12 to 24 mo	No Cost	All	Grands, Verticals, Digitals
9.99%	36 to 84 mo	No Cost	All	Grands, Verticals, Digitals
11.99%	96 to 120 mo	No Cost	All	Grands, Verticals, Digitals

We believe your customer’s passion for music shouldn’t be limited by the high cost of equipment. For this reason, we provide competitive rates and comfortable repayment terms to the tune of whatever they’re playing.

Merchant Benefits

How We Work for Our Dealers

Our easy and fast financing products will help you increase your retail sales while keeping your customers happy.

Free to Enroll

No monthly or annual enrollment charges.

No Quotas

No minimum loan volume requirement. Fill out one application per year or one application per hour, either way there is no penalty.

Affordable Financing Options

Our dealer fees can be as low as 0% for a straight term loan (no same as cash) depending on the product/service offered. We also offer a variety of same as cash options.

How We Work for the Consumer

Piano Credit Company provides the consumer with a simple and affordable way to get the product or service they want or need.

Increased Purchasing Power.

With highly competitive fixed interest rates, your customers can enjoy the advantages of lower costs, no hidden fees, and the power to buy big ticket items.

No Pre-Payment Fees

There is no fee for paying off any of our loans early. Any payment made that is greater than the regular monthly amount is applied directly to principal.

Free Online Bill Pay

United Midwest offers free and easy to use online bill pay for the consumer’s convenience. Make a one-time payment or schedule payments to occur monthly.

Live Customer Support

Speak with live representatives anytime during business hours (M-F 8:30am-5pm EST).

Same-As-Cash Options

We offer a variety of same-as-cash options that do not determine the term length of the loan. This allows the consumer a greater variety of payment options to fit their individual needs. (Participating Dealers Only)

Contact

For Dealers

For our current dealers or if you are a merchant interested in enrolling:

Dealer Services Hours of Operation
Monday-Friday: 8:30am – 9pm EST
Saturday: 11:00am – 8pm EST
Sunday: 12:00pm – 8pm EST

Contact by Phone at:
800-468-2255, option 2 for Dealer Services
Fax: 800-262-2488

Contact by Email:
loans@umwsb.com

Overnight Delivery & Dealer Correspondence:
Piano Credit Company
6563 Wilson Mills Rd. Suite 105
Mayfield Village, OH 44143

For Customers

For customer service regarding an existing or past account, making payments, or general inquiries:

Customer Service Hours of Operation
Monday-Friday: 8:30am – 5pm

Contact by Phone at:
800-468-2255, option 3 for Customer Service
Fax: 800-262-2488

Contact by Email:
customersupport@umwsb.com

Please Remit Loan Payments to:
Piano Credit Company
PO Box 970
Gates Mills, OH 44040