There are a lot of ways to finance speakers... a student loan helps... don't ask how I know..
Big box stores offer financing all the time for package deals... or they did at some point. Get a Circuit City credit card! Ha. Then you get a loan that keeps on loanin'...
Smaller stores have to get a finance company to sell loans... usually loan shark places are the only ones willing to take those deals. 32% APR sounds about right. 22% if you have good credit.. the type of place that would want you to come into their office if you were late on a payment. So, you get a big mismatch in your customer type and your loan company.
B&M stores don't usually have the capital or knowledge to support a loan business. It's a separate business.
Having a speaker manufacturer offer them financed is a huge risk. It makes no sense from a business standpoint. It is like financing a car, with similar depreciation and damage risks. However, you can repossess a car from the driveway... you can't break into someone's house... Plus, a car is titled with a lien holder...
Unless.... the speakers cost 1,k to make.. and anything over 1,k is a good revenue stream.
edit.. I just checked out their $600 website.. a bit cheesy.. Kind of reminds me of a DAK catalog.. Even reads like one. If I were selling $17,k speakers I think I would have a more sophisticated looking site. Also, I didn't see anything about a finance deal.. They have 1 speaker and 5 photos... that's it. Was there more and now it's gone?