Jimmy "Fingers" Angelelli (Harvey Keitel) is a brilliant young pianist who also works as a debt collector for his father Ben (Michael V. Gazzo), a local loan shark. Wherever Jimmy goes, he always carries a stereo with him, playing classic rock from the 1950s and 1960s. While trying to concentrate on an upcoming recital interview at Carnegie Hall, Jimmy loses focus when he falls for a woman named Carol (Tisa Farrow). He gets further sidetracked when collecting a large debt from a mafioso named Riccamonza (Tony Sirico), who eventually threatens Ben's life. This forces Jimmy to seek retribution.