Yes. A late fee may apply if a payment is past due, as allowed by law and disclosed in your agreement. We don’t profit from late fees—any late-fee amounts are donated to charity. Late payments may still affect your credit, so please contact us if you need help.

Responsible trade is part of Sharia. We use credit checks to verify identity, commitments, and affordability to help ensure you meet payments without hardship.

SP ZeroFinance does not use variable or compounding interest; pricing is disclosed as a total price or fixed payments, though an APR may still be shown for required legal disclosures.

We operate using a Sharia-compliant model, and our certification is currently in process with Raqaba | Shari’a Audit and Islamic Financial Advisory standards: https://raqaba.co/en/

Once finalized, our Sharia certification will be posted on our website. Our certification is currently in process with Raqaba.

You’ll need a U.S. address, ID, and proof of legal U.S. residency.

You must be at least 18 years old in Florida. Age requirements can vary by state.

Yes. The application fee is $100. If approved, a $750 processing fee applies later and will be disclosed before you sign. Complete LifeSmart Level Up to get $150 off the processing fee.

Apply online and submit your information. We’ll review your application and let you know the next steps. If you’re invited to continue, you’ll complete ID verification, add the vehicle details, and upload the dealer invoice. Once everything is received, we prepare the paperwork and arrange payment to the dealer.

The initial check is a soft inquiry and does not affect your score. If you sign the agreement, we run a hard inquiry which may affect your score.

Apply to see what we can offer. We review affordability and recent payment behavior, along with your credit history.

After approval and once the dealer confirms everything, financing can be completed the same day. In many cases, it can be completed within a few hours after the final documents are received.

Government fees (tax, title, registration) apply. Any other fees are disclosed in your agreement before you sign.

Path to Purchase: SP Zero Finance owns the car during the term. You are the registered keeper and responsible for its care. Once you complete all payments and obligations, ownership transfers to you through a separate sale and transfer document.

Easy Lease: SP Zero Finance owns the car during the lease term. You are the registered keeper and responsible for its care. At the end of the lease, you return the car unless your agreement includes an option to purchase.

Yes. You can choose any car from any licensed U.S. dealership in Florida.

Yes. We accept trade-ins, and most dealers can also handle them. We finance the new car once the final dealer invoice is confirmed.

Yes, if the dealer includes them on the invoice.

Yes. GAP coverage may be available through a third-party provider.

SP Zero Finance is an ethical finance company offering Shariah-aligned, asset-based vehicle    programs. Our solutions are designed around upfront disclosure, fixed pricing, and predictable payments as an alternative to conventional interest-based auto financing.

Instead of traditional interest-based loans, SP Zero Finance uses Shariah-aligned structures, including cost-plus sale and lease-based models. Depending on the program, the total price or lease payments are disclosed upfront, payments are fixed, and all terms, fees, and required disclosures are provided before you sign.

SP ZeroFinance offers vehicle programs (subject to availability and eligibility), including:

• Easy Lease: Fixed monthly payments for a set term. Vehicle is returned at end of term.
• Path to Purchase: SP ZeroFinance retains ownership of the vehicle during the lease term. The lease is documented in a lease agreement, and any pathway to ownership (if offered) is addressed separately through an end-of-term purchase option or promise to purchase, with all terms disclosed in advance.

No. SP Zero Finance is not a bank and is not FDIC insured. We are a financial services company that offers structured, asset-based vehicle programs rather than conventional cash lending.

SP ZeroFinance can be used for most vehicles, including gas, hybrid, and electric cars, as long as they meet our eligibility requirements. The vehicle must be purchased through a licensed U.S. dealership (no private sales or imported vehicles).

Yes! SP ZeroFinance is open to everyone. Anyone looking for transparent car finance is welcome to apply.

You must pay off your balance first, then submit a new application for the next car.