Three ways to spread the cost of your car audio build, all offered at checkout: Shop Pay Installments powered by Affirm, Snap Finance and Sezzle. Same cash price whether you pay now or over time, and a decision in minutes without leaving your order.
Pick the one that fits the purchase and your budget. All three are offered at checkout.
Powered by Affirm
Shop Pay Installments
The fastest option: pay in four or monthly, right inside Shop Pay at checkout. Plans provided by Affirm.
Pay in 4: four interest-free payments every 2 weeks, 0% APR
Monthly installments on larger orders, rates from 0–36% APR
Orders from $35 to $30,000; the plans you qualify for are shown at checkout
No late fees, and you can pay it off early at any time
Example: an $800 purchase might cost $72.21/mo over 12 months at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Subject to an eligibility check; a down payment may be required.
Choose Shop Pay at checkoutPick "Pay in installments" inside Shop Pay. Decision in seconds.
No credit needed¹
Snap Finance
Shoppers who have been turned down elsewhere, or want to pay from their paychecks.
Lease-to-own financing: Snap buys the gear, you lease it, then own it after completing your lease agreement
All credit types welcome to apply¹
Approval amounts up to $5,000²
Payments lined up with your paydays, with early purchase options to save
Apply online in minutes, decision in seconds. Not available to residents of Minnesota, New Jersey or Wisconsin. Lease-to-own may cost more than the cash price; Snap shows your full terms before you sign.
Choose Snap at checkoutNot all applicants are approved.¹ Lease-to-own is a lease, not a loan.
Pay in 4 or 5
Sezzle
Smaller orders you want to spread across a few paychecks.
Pay in 4 with Sezzle*: four payments over 6 weeks
Pay in 5™ with Sezzle*: five payments over 8 weeks
Pay Monthly on larger purchases, subject to approval
Manage every plan in the Sezzle app
First payment at checkout, then every 2 weeks. See the Sezzle disclosure below for a worked example, fees and APR.*
Choose Sezzle at checkoutIssued by WebBank or Sezzle. See loan agreement for details.
Which one is right for you?
A quick side-by-side. Exact terms are shown by the provider before you commit.
Option
How you pay
Good for
Keep in mind
Shop Pay Installments
4 interest-free payments every 2 weeks, or monthly installments
Most purchases, from a single sub to a full system
Rates 0–36% APR on monthly plans. Eligibility check; a down payment may be required.
Snap Finance
Lease payments on your paydays; own it when the lease is complete
Buyers with little or no credit history
Not a loan. Costs more than cash price unless you use an early purchase option. Not in MN, NJ, WI.
Sezzle
4 payments over 6 weeks, 5 over 8 weeks, or monthly
Wire kits, accessories, speakers and mid-range gear
Service fee and APR can apply; see the disclosure. Pay Monthly subject to approval.
How it works
No forms on our site, no phone calls. It all happens at checkout.
1
Build your cart
Add the gear you want. Everything on the site is priced the same whether you pay in full or over time.
2
Pick a provider at checkout
Choose Shop Pay and pick "Pay in installments", or select Snap Finance or Sezzle as your payment method. You'll be handed to a secure application that takes a few minutes.
3
Get a decision and check out
If approved, review the exact terms the provider shows you, confirm, and your order ships like any other.
Refurbished items are not eligible for financing or leasing. Everything else on the site is. The price you see is the cash price, and it is the same price the provider finances or leases.
Financing FAQ
Straight answers to the questions we get most.
Does checking my options affect my credit score?
Each provider explains its check before you apply. Shop Pay Installments: plans are subject to an eligibility check by Affirm; Affirm explains how that is treated on your credit report at affirm.com. Snap Finance: no credit history is required to apply, but Snap obtains information from consumer reporting agencies and your score with those agencies may be affected.¹ Sezzle: Pay Monthly loans are subject to credit approval; Pay in 4 and Pay in 5 are reviewed by Sezzle at checkout.
Can I finance refurbished items?
No. Refurbished Sundown Audio items are excluded from all financing and leasing options because of their limited stock and lower price. They can be paid with any card, PayPal or Shop Pay.
Is there a minimum or maximum order?
Each provider sets its own limits and shows them during the application. Shop Pay Installments covers orders from $35 to $30,000, and a down payment may be required depending on the amount. Snap approval amounts range from $300 to $5,000.² Sezzle may require a minimum purchase amount and down payment.
What's the difference between financing and lease-to-own?
Shop Pay Installments and Sezzle are loans: you own the gear from day one and repay the lender. Snap Finance is lease-to-own: Snap buys the gear and leases it to you, and you obtain ownership after completing the terms of your lease agreement. A lease is not a loan, is not credit, and can cost more than the cash price unless you use an early purchase option.
Can I pay it off early?
Yes with all three. Shop Pay Installments has no late fees and no fee for paying early. Snap offers early purchase options that reduce your total cost compared with completing the full lease term. Sezzle lets you pay remaining installments early in the app.
Do you charge more if I finance?
No. The price you see is the cash price, and it is the same price the provider finances or leases. Any cost of financing or leasing is set by the provider and shown to you before you commit.
Which states are excluded?
Snap lease-to-own is not available to residents of Minnesota, New Jersey and Wisconsin. Shop Pay Installments availability and eligibility may vary; the plans you qualify for are shown at checkout. Sezzle shows you whether it is available for your address at checkout.
What happens if I return something I financed?
Returns follow our normal return policy. Once we process the return, the refund goes back to the provider, who credits your plan or lease. Contact us first so we can walk you through it.
Important disclosures
Shop Pay Installments.
The estimated payment amount excludes taxes and shipping. Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. More options may be available upon approval. State notices to consumers: affirm.com/licenses. Affirm Pay in 4 payment option is 0% APR. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506.
Snap Finance.
The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not a loan or credit; it is a consumer lease. Snap purchases the merchandise and leases it to you; you may obtain ownership after completing the terms of your lease agreement, and early purchase options may be available to save on total cost. Lease-to-own financing may cost more than the cash price of the merchandise. Review your lease agreement for full details before signing. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin. Depending on where you live you may be required to make an initial payment at the time of transaction. ¹ Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected. ² Average approval amounts vary across product types and range from $300 to $5,000. Subject to underwriting qualification criteria. See snapfinance.com/legal/products.
Sezzle.
*Issued by WebBank or Sezzle. See loan agreement for details. For example, for a $300 loan, $75 down payment + $7.49 service fee today, then 3 payments of $75 every 2 weeks. 45.0% APR. Service fees vary by loan amount. Paid subscription may be required. Pay in 5™: for example, for a $300 loan, $60 down payment + $7.49 service fee today, then 4 payments of $60 every 2 weeks. 33.3% APR. Paid subscription may be required. Pay Monthly loans are originated by third party lenders, including WebBank, and are subject to credit approval; minimum purchase amount and down payment may be required. See legal.sezzle.com.
Car Audio Bargain is not a lender or lessor and does not make credit decisions. Shop Pay Installments (plans provided by Affirm), Snap Finance and Sezzle each decide eligibility, set terms and service the plan. Payment options depend on your purchase amount and may vary by state.
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