Question about credit and financing?

Ok, I'm 21, and I have no credit. I dont have bad credit, I just have "limited or no" accoring to credit card companys. Well I got turned down for a guitar center credit card thing. I'm going tomorrow to buy a pretty pricey guitar, and online it says make payments of $$ a month, which I figured was with a card. Now is there a chance that you can pay so much upfront, and then be able to finance the rest? And if so, will I get to leave with the guitar that day, or will I have to wait til its paid off? Any advice or whatever you can give me. Thanks!