Financing & Lease-to-Own Options
Build your dream car now and pay over time. We work with multiple lenders and lease-to-own partners so you can choose the option that fits your budget and credit profile.
Most programs offer fast approvals, flexible terms, and the ability to check out directly on Speedzone Performance.
✅ No-credit / low-credit options ⚡ Same-day approvals in minutes 🧾 90–100 day early buyout options (select programs) 💳 Traditional credit & “Pay in 4” options
How Financing Works With Speedzone
Whether you’re rebuilding a daily, lifting a truck, or chasing track times, you can pair your approval with almost anything on our site. Here’s the basic flow:
Step 1 – Pick a financing partner Scroll through the options below and choose the program that best matches your credit situation and how you want to pay.
Step 2 – Apply & get approved Most partners give an instant or same-day decision. Approvals can often be used immediately on our website.
Step 3 – Shop on Speedzone Add your parts to the cart and choose your financing option at checkout, or follow the instructions from your approval email.
No / Low Credit & Lease-to-Own Partners
These partners are great if you have limited credit history or want a lease-to-own style program with flexible payments.
Lease-to-Own • No Credit Needed
Acima Leasing
Get what you need today and pay over time with flexible purchase options.
Highlights
Basic Requirements
- Approx. 3-month history with your current employer.
- At least $1,000 per month deposited into your checking account.
- Active checking account open for 90+ days, with no excessive overdrafts.
Click the image to view details, then return to Speedzone to shop with your approval.
Lease-to-Own • Up to $5,000
Snap Finance (LTO)
Perfect for customers who want an easy lease-to-own option with flexible payoff terms.
Apply with Snap Finance
Why customers like Snap
- Lease-to-own structure – make payments and own the item at the end of the term.
- Fast online decision (often in minutes).
- Approvals up to $5,000.
- 100-Day Cash Payoff option for qualifying purchases.
How it works
- Shop for the parts you want on Speedzone.
- Apply online with Snap using the link above.
- Once approved, select the payment plan that fits your budget.
- Make your scheduled payments until the lease is complete and the items are yours.
Financing • Snap Loan
Snap Loan
Additional Snap options for customers who may not qualify for traditional credit.
Program overview
- Apply online by scanning the QR code above or in-store for Approval!
- Use your approval to shop within Snap’s network, including Speedzone.
- Flexible payment schedules set up during the application.
- Options may include lease-to-own, installment loans, or retail installment contracts.
Typical Requirements
- Legal age to enter into a contract.
- Steady monthly income.
- Active checking account.
- Valid email address and phone number.
Lease-to-Own
Progressive Leasing
A trusted lease-to-own partner available in most of the USA.
Highlights
Basic Requirements
- 18 years or older.
- Valid Social Security Number or ITIN.
- Routing & account number for an open, valid checking account.
- Debit or credit card needed for initial payment.
Not available in MN, NJ, VT, WI, or WY. Progressive is a lease-to-own/rental purchase program and costs more than the retailer’s cash price.
Lease-to-Own • Looks Beyond Credit Scores
Koalafi
Designed for a wide range of credit situations with tailored payment plans.
How Koalafi works
Koalafi reviews a variety of information beyond just your credit score to build a payment plan that fits you.
Buy Now, Pay Later & Revolving Credit
These options are ideal if you prefer traditional revolving credit, “pay in 4” style payments, or want a line of credit you can reuse.
Buy Now, Pay Later
Klarna
Split your purchase into easy payments right at checkout.
How to use Klarna on Speedzone
- Add your items to the cart and go to checkout.
- Enter your contact & shipping details.
- On the payment step, select Klarna as your method.
- Complete the simple application and, once approved, finish your order.
You can also learn more directly from Klarna: Klarna.com
Monthly financing through Klarna is issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license.
Buy Now, Pay Later • Pay in 4
Afterpay
Get what you need now and pay it off in four interest-free payments over six weeks.
How to use Afterpay on Speedzone
- Add your parts to the cart and go to checkout.
- Enter your contact & shipping details.
- On the payment step, select Afterpay as your method (when available).
- Make your first payment (around 25% of your order total) at checkout, then pay the rest in three automatic installments every two weeks.
Why customers like Afterpay
- Pay in 4 interest-free installments when payments are made on time.
- No sign-up or annual fees for the Pay-in-4 option.
- Fast approval decision with an easy, fully digital experience.
- Manage upcoming payments, reminders, and orders in the Afterpay app.
Learn more about Afterpay
Afterpay is a buy now, pay later service. Late fees may apply if payments are not made on time, and eligibility criteria apply. Loans to California residents may be made or arranged pursuant to a California Financing Law license. See Afterpay.com for full terms and conditions.
Split Payments • Pay in 4
Sezzle
Shop now, get your order right away, and pay in four easy, automatic installments.
Why Sezzle works for many customers
- No interest when payments are made on time.
- Order ships as normal right after approval.
- Automatic payments every two weeks from your bank account or card.
To learn more about how Sezzle works: Click here
Sezzle is featured in multiple major financial and tech publications, giving you additional confidence when you check out.
Revolving Credit Card
Synchrony Car Care One
Finance car parts and installs with a card you can use at a network of auto businesses. Apply Here for Fast Approval!
Program benefits
- Credit check required with potential 6 and 12 month interest-free periods.
- No processing fees.
- Revolving credit limit that can be reused.
- Usable at other participating businesses in the Car Care network.
Already have a Car Care One card? Contact us with your account info and we’ll help apply it to your order. Minimal monthly payments apply during your promotional period.
Digital Line of Credit
PayPal Credit
Use PayPal Credit for flexible terms and interest-free promotional periods on qualifying purchases.
Highlights
Helpful to know
- A PayPal account is required.
- Having more than one linked funding source can improve approval chances.
- Stricter approval, but a very flexible line of credit once approved.
Click the PayPal Credit banner when you see it at checkout to apply. Approved funds are linked to your PayPal account for immediate use on our site.
