Payment options for your build

Pick the system first, then the payment path. SMS Car Audio can help define the complete equipment and installation scope before you apply so you know what the project actually needs.

Choose the right payment path

  • America’s First Finance — In Store: Ask SMS about the current in-store application process.
  • Snap Finance — Online: Snap is currently available through the online purchase path.
  • Shop Pay Installments — Online Checkout: Eligible customers may see installment options through Shop Pay and its lending partners at checkout.
  • Acima — Lease-to-Own: Available for eligible merchandise and approved customers when the transaction qualifies.

Plan the System | Ask About Payment Options | Book a Project

The provider—not SMS—sets approval, approved amount, down payment, payment schedule, APR or lease cost, fees, early-purchase terms and ownership requirements. Read the exact provider disclosure before accepting an agreement.

Approval does not mean the equipment is right for the vehicle.

A financing approval only answers the payment question. It does not confirm speaker fitment, factory-radio integration, amplifier channels, enclosure space, final impedance, electrical support or installation labor. If SMS is building the vehicle, start with the system plan and use the payment option on the finished scope.

What can be included?

Eligibility depends on the provider and transaction. An approved project can include eligible speakers, amplifiers, subwoofers, processors, source units, cameras, batteries, alternators, wiring and other merchandise. Installation, custom work, special orders or project-specific charges are included only when the provider and transaction allow them.

Lease-to-own and financing are not the same thing.

Some payment products are lease-to-own agreements rather than traditional loans. In a lease-to-own transaction, the provider owns the merchandise until the agreement's ownership requirements or an available early-purchase option are completed. The maximum-term cost can be substantially higher than the cash price.

  • Approval is not guaranteed.
  • Early ownership options and deadlines vary by agreement.
  • Monthly installment options can carry an APR or require a down payment.
  • Provider approval and SMS project approval are separate decisions.
  • Custom-order, deposit and appointment policies still apply unless the approved payment arrangement specifically changes them.

Before you apply

Send the vehicle year, make, model, trim, factory audio package, current equipment, what you want the system to do, budget range and useful photos. SMS can define the project first and then tell you which current payment paths are applicable.

Do not send Social Security numbers, bank credentials, complete card numbers, financing passwords or other sensitive financial information to SMS by text or email. Enter that information only through the provider's authorized application.

Ready to price the actual build?

Plan a Complete System | Book an Appointment | Call or text 504-289-8127