Upgrade Today.
Pay Over Time.
Flexible, no-credit-needed, and credit-building portals so you can get audio, alarms, and accessories installed now—without waiting to save up.
Simple Process
From apply to install in three steps
Apply in minutes
Pick a lender portal and submit a fast, secure online application from your phone or laptop.
Get instant decision
Most portals return an approval decision within minutes based on income and banking activity.
Install same day
Bring your ID and bank info to our Torrance shop and drive out with your upgrade installed.
Choose Your Lender Portal
Select a portal below to check your limit and start your secure online application.
EasyPay Finance
$5,000
Designed for good, average, or rebuilding credit. EasyPay reports payments directly to major credit bureaus, helping you build positive payment history while paying off your vehicle upgrades.
- 90-Day Interest Rebate promotion option
- $0 Down payment / check limit instantly
- No hard inquiry to check approval limit
Snap Finance
$5,000
No-credit-needed lease-purchase option. Snap doesn’t look at traditional credit history to make approvals, helping users get up to $5,000 in buying power based on active banking history.
- 100-Day Cash Payoff promotional option
- High approval rates for low/no credit scores
- Instant application response within minutes
Progressive Leasing
Flexible
Progressive Leasing provides a no-credit-required lease-purchase program, allowing you to get your car stereo, amp, or security gear immediately and pay over 12 months with flexible plans.
- 90-Day Purchase Option available
- Automatic routing / simple payroll integration
- Clear lease details with no hidden fees
Acima Credit
$4,000
Easy, no-credit lease-to-own solutions. Acima reviews your checking account and income source rather than a FICO credit score, approving customers for up to $4,000 in buying power.
- 90-Day Early Purchase Savings promotion option
- Small initial payment to start the lease
- Reports positive lease history to Experian
What to Bring to Your Store Visit
After applying, have these ready for final checkout at our Torrance shop:
Government Photo ID
A valid driver’s license, state ID, or passport verifying your legal name and identity.
Active Checking Account
Must be active for 90 days with consistent monthly deposits. Bring your bank routing and account numbers.
Income Verification
A recent paystub or proof of consistent monthly income (minimum requirements vary by lender).
FAQ
Financing Frequently Asked Questions
Yes! Snap Finance, Progressive Leasing, and Acima Credit offer lease-to-own programs that do not look at traditional FICO credit scores. Instead, they check your checking account activity, monthly income, and employment stability to make instant approval decisions.
Most lenders (EasyPay, Snap, Progressive, and Acima) provide a promotional 90-day or 100-day early purchase option. Paying off your balance within this period avoids high interest or leasing rates, allowing you to pay just the principal amount plus a small setup fee.
Financing plans cannot be combined for a single balance invoice, but you can pay a portion in cash/credit card and apply the remaining balance to one of our financing portals.
Ready to get approved?
Start with any lender portal above, or message us and we'll help you pick the best option for your build and budget.