Song Details
- Album Release Date: 2012
- Genre: power-pop
Song Meaning of “Buy On Credit” by Bill Lloyd
“Buy On Credit” by Bill Lloyd is a song about the perennial struggle between desire and reality. The narrator is offering up a life lesson to someone trying to make their way in life: “Save up your pennies, don’t buy on credit/It’s the only way you’ll steer clear of bankruptcy.” The song reflects the classic American Dream of hard work and sound financial advice, but also emphasizes the human desire for instant gratification.
The chorus of the song draws this contrast between what we dream and what we can realistically do. The narrator states: “One day we’ll find the way to soar/But until then, don’t buy on credit.” He is saying that even if we think our dreams are attainable, we should still practice financial prudence instead of thinking our successes will come overnight without any effort or financial responsibility.
The song also emphasizes how, while it may be difficult, it is important to take practical steps to reach our dreams by avoiding impetuous purchases, debt and bankruptcy. The narrator joyfully sings “You can take it from me, that’s how greatness begins/Put away your wallet, don’t buy on credit.” This is ultimately a song of hope and empowerment.