Financing options
Five ways to spread the cost.
Audio One San Diego partners with five lenders. Soft credit pull, fast approval, walk out the same day with your install, and pay it off whenever it works for you.
What each partner offers
Compare your options.
Apply online
Snap Finance
100-day option to pay off and save interest. Most customers approved.
Learn moreLease-to-own
Progressive Leasing
Up to $5,000 approval. No credit needed for a fast decision.
Learn moreInstant approval
American First Finance
$300 to $5,000. Approval often in under 5 minutes, even with imperfect credit.
Learn moreFinancing made simple
EasyPay Finance
Multiple payment plans. Quick decisions on installment financing.
Learn moreHow it works
From quote to install in one visit.
1. Pick a system
Walk in or call. We'll spec a system for your vehicle and budget, head unit, speakers, amp, sub, whatever the install needs.
2. Apply in 5 min
Answer 5 questions on a tablet right at the counter. Soft pull on every lender, won't hurt your credit.
3. Sign & roll
Get your terms. Sign on the spot. Pay the down payment (often $0). Lock in the install date and time.
4. Drive out
We install the same day on most jobs. Lifetime workmanship warranty applies whether you paid cash or financed.
What it costs
A simple example.
Say you finance a $1,500 install: head unit, four upgraded speakers, a sub-and-amp combo, and full power wiring.
- $0 down at signing on most approvals.
- Pay it off in the first 90 to 100 days, and you typically pay close to the full $1,500 with minimal finance charges thanks to early-payoff terms.
- Or stretch it across 12 months at a fixed monthly amount. Exact dollar figure depends on your approval terms.
- No prepayment penalty either way. The math works out best when you pay sooner.
Exact terms depend on the lender and your specific approval. All five of our partners show you the full payment schedule before you sign.
Want to know your number?
Apply at the shop.
Walk in any day. We'll write the quote and run the application together. About 10 minutes from start to finish.
(619) 500-5560Common questions
Financing FAQ.
No. All five of our lender partners are designed for customers across the credit spectrum. Approval is based on income and banking history, not just credit score. Most customers get approved.
No. All five lenders use a soft credit pull during the application. A soft pull does not affect your credit score and isn't visible on your credit report to other lenders.
Most customers are approved in under 5 minutes, typically while we're writing the install quote. You answer a handful of questions on a tablet, and the system returns an approval amount and payment terms.
Approval amounts vary by income and history. Acima typically approves up to $4,000; Snap Finance and Progressive Leasing typically up to $5,000; American First Finance offers $300 to $5,000; EasyPay Finance varies by application. We'll know your exact amount after you apply.
Yes, and you should. Most of our partners offer same-as-cash early-payoff windows (around 90 to 100 days) that waive lease finance charges if paid in full within that period. Paying early saves the most money.
Acima, Snap Finance, Progressive Leasing, and EasyPay are lease-to-own; American First Finance uses an installment-loan structure. The customer-facing experience is similar across all of them: apply, get approved, walk out the same day with the system installed. We'll walk you through your options at the shop and pick the one that fits your situation best.
$0 down is available on most approvals. Some applications come back requesting a small down payment depending on the financing terms. We'll show you the exact terms before you commit.
Yes. The financing covers the entire invoice, gear, install labor, parts, and any sound deadening or wiring upgrades included. One payment, one finance agreement, one install appointment.
Still have questions?
Call us, we'll walk you through it.
(619) 500-5560, Mon–Sat 9 AM – 7 PM, Sun 9 AM – 5 PM.