Performance Parts Financing with Affirm
That lift kit, that supercharger, that full set of coilovers, that wheel and tire package — paying for it all up front isn't always realistic. That's why Stage 3 Motorsports offers Affirm financing on every part, kit, and full build in our catalog. Whether you're building an F150, Super Duty, Bronco, Ranger, Tacoma, Tundra, or Mustang, you can turn a big one-time hit into a small monthly payment.
The Quick Version
- Rates from 0% APR (up to 10-30% APR depending on qualifications)
- Terms from 3 to 36 months — pick what fits your budget
- Soft credit check. Applying does NOT hurt your credit score
- No prepayment penalties. Pay off early any time, save the interest
- Approval in seconds at checkout. No paperwork, no waiting
How Affirm Works at Stage 3
Build your cart
Add the parts you want to your Stage 3 cart, same as any other order. Mix and match anything we sell.
Pick Affirm at checkout
Select Affirm as your payment method. Enter a few quick details and see your eligible monthly plans instantly.
Pick a plan, place the order
Choose the term and monthly payment that fits your budget. Confirm and you're done. Parts ship out as normal.
What Common Builds Look Like Per Month
Real-world examples of what Stage 3 builds look like on a 12-month or 24-month Affirm plan. Your actual rate and term depends on your qualifications, but these illustrate the kind of monthly payment you'll see.
| Build Type | Cart Total | Monthly (12 mo) | Monthly (24 mo) |
|---|---|---|---|
| F150 leveling kit + UCAs + shocks | $1,200 | ~$100/mo | ~$50/mo |
| Mustang full coilover suspension | $1,800 | ~$150/mo | ~$75/mo |
| Wheel + tire package (truck or car) | $2,400 | ~$200/mo | ~$100/mo |
| Super Duty long-travel suspension + bumpers | $3,500 | ~$292/mo | ~$146/mo |
| Supercharger or turbo kit | $4,800 | ~$400/mo | ~$200/mo |
| Full Stage 3 build (forced induction + suspension + wheels) | $10,000 | ~$833/mo | ~$417/mo |
Estimates above assume 0% APR for illustration. If your offered rate is 10-30% APR, the actual monthly payment is slightly higher. Affirm shows you the real numbers before you confirm — there's no commitment to find out.
What You Can Finance at Stage 3
Anything in your Stage 3 cart is eligible for Affirm at checkout, no matter what you drive. That includes:
- Lift kits and leveling kits — spacer kits, full coilover lifts, long-travel kits
- Suspension upgrades — Fox, Bilstein, ICON, Eibach, King shocks and coilovers
- Wheels and tires — full packages plus individual fitments
- Exhaust systems — cat-backs, long-tube headers, axle-backs, diesel exhaust
- Cold air intakes, tuners, and electronics — bolt-on power and custom tunes
- Forced induction — superchargers, turbo upgrades, intercoolers
- Off-road armor — bumpers, skid plates, rock sliders, recovery gear
- Lighting — light bars, pods, headlight upgrades, ditch lights
- Bed accessories — tonneau covers, bed racks, storage, fuel tanks
- Brake upgrades — big brake kits, rotors, pads, stainless lines
- Full Stage 1 / Stage 2 / Stage 3 build packages bundled together
If it's a part on the Stage 3 site, it's financeable.
Performance Parts Financing FAQ
Will applying for Affirm hurt my credit score?
No. Affirm uses a soft credit check during application. Your credit score is not affected when you apply or when you see your offered rates.
What rates can I expect?
Rates range from 0% APR for qualifying purchases up to 10-30% APR for standard plans. The exact rate depends on the purchase amount, term length, and your qualifications. You'll see the rate before you confirm.
What loan terms are available?
Affirm typically offers 3, 6, 12, 24, or 36-month terms. Longer terms lower the monthly payment. Shorter terms reduce the total interest paid.
Can I pay off the loan early?
Yes. Affirm loans have no prepayment penalties. Paying off your balance early saves any remaining interest charges.
Do I need a down payment?
A down payment may be required depending on the purchase amount and your qualifications. Affirm displays the down payment requirement, if any, before you confirm.
Is Affirm available in my state?
Affirm is available in most U.S. states. Specific terms may vary by state. California residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.
What if my Affirm application is denied?
You can still complete your order with a credit card, debit card, or PayPal. You can also reapply with Affirm in the future as your situation changes.
How quickly do I get approved?
In seconds. There's no paperwork, no waiting period, no faxing. Enter a few quick details at checkout and see your plan options immediately.
Ready to Build?
Start adding parts to your cart. Affirm options show up at checkout — no commitment required to see your numbers.
Browse Performance Parts Talk to a TechAffirm's Lending Partner Disclosure
*Rates from 0% or 10-30% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, 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.
