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New Financing 20240409

Financing for any credit score Financing for any credit score

Affirm gives a better way to pay over time, with no fees or surprises.
From 0% APR with up to 12 months offers to flexible payment plans.


Never pay more than the price of your purchase.


It only takes a moment, and checking your eligibility won’t affect your credit score.


Affirm won’t charge you late fees or penalties of any kind, ever.


1. Select Affirm at checkout
Add your wheels to cart, then choose the “Affirm” option at checkout. Checking your eligibility won’t affect your credit score.

2. Easily apply
Enter a few pieces of information for a quick decision, then pick the payment plan you like best. You’ll never pay more than you agree to up front.

3. Pay over time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.

"Rates from 0–36% APR. Payment options through Affirm 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR or 4 interest free payments of $200 every 2 weeks.”

AudioCityUSA proudly offers a Lease-To-Own program through Progressive Leasing that gives you the option to get your wheels today with simple, easy payments that fit your budget.

No Credit Needed

There’s no credit needed* to apply for the lease-to-otwn purchase option.

Flexible Payments

Simple weekly, bi-weekly or monthly payment options make it simple to use.

Save Money

Save money when you payoff your lease using the 90-Day Purchase Option*.


1. Start shopping and select Progressive at checkout
Add your wheels to cart, then checkout with "Progressive Leasing".
(Checking out does not bind you to a contract)

2. Apply for an instant decision
Takes less than 5 minutes. No credit needed!

3. Sign your lease & make the initial payment***
We'll send you the documents shortly after you check out.

* Standard agreement offers 12 months to ownership. 90-Day purchase option cost more than the retailer’s cash price (Except 3-month option in CA).
To purchase early, call 1-877-898-1970
** No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
*** The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

Important Information
Your lease is with Progressive Leasing, not AudioCityUSA.com. The advertised service is lease to own or a rental or lease purchase agreement provided by Progressive Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in Minnesota, New Jersey, Vermont, Wisconsin, and Wyoming.All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option.

Affirm FAQs

Can I pay off my purchase early?
Yes! There’s no penalty for paying early

How do I make my payments?
You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?
Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect my credit score?
No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

Do I need a mobile number to use Affirm?
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

Where can I learn more about Affirm?
You can visit their website at affirm.com.

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