No interest if paid in full within 12 months on purchases of $500 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.


Terms & Conditions

*With credit approval for qualifying purchases made in-store at The Specialists Car Audio. As of Feb 26, 2019 Purchase APR: variable 30.74%. Minimum interest charge: $2.00. See card agreement for details. Offer valid for consumer accounts in goodstanding; see store for details. May not be combined with any other credit promotion offer. Offer only valid at Specialists Car Audio retail stores. Not valid at specialistscaraudio.com. Purchase requirement before taxes, fees, and other discounts and must be made in a single transaction.


with a 90 day payment option!

We offer a lease/purchase program to customers who currently cannot qualify for traditional financing.
Just click here to securely fill out our simple application or learn more below.


  • Must be 18 years or older
  • Must have valid Social Security Number or ITIN
  • Must have routing and account number for an open and valid checking account
  • Must have a Credit or Debit card

Just click here to fill out this simple application.


What is the interest rate? How is the monthly payment figured?
There is not an interest rate.  Click a location below and click "Payment Estimator" on the top right to see what your payments will be:

How does the customer make payments?
Payments are automatically withdrawn from the customer’s bank account on their paydays. 

What if the customer does not have a checking account?
They will not qualify. They must have an active checking account.

How long is the lease agreement for?
All lease/purchase agreements are for 12 months unless the customer wishes to pay off early.

What are the buyout options for the customer?
We offer early buyout options to customers who wish to own the merchandise outright before the 12 month term is completed. They have two options:

  • 90 Day Payment Option: The customer pays only the invoice amount plus a $49* INITIAL PAYMENT within 90 days of the delivery date.
  • Early Buyout Option: If the customer wishes to own the merchandise outright after 90 days, they will be able to purchase their merchandise at a percentage of their remaining balance.


What if the customer wishes to return the merchandise?
Although returns are not common, because this is a lease/purchase agreement the customer may return the merchandise at any time to Progressive.

APPLY TODAY! FILL OUT THE APPLICATION >>  (You will be entering your information securely at Progressive)


 * Service described is a rental — or lease purchased program provided by Prog Leasing, LLC or its affiliates.  The initail payment is $49.  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 acqire ownership rights unless you make 12 months of payments or exercise an early purchase option.  Not all applicants are approved.  See lease for details.

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