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 tape player with him, playing classic pop hits (mainly soul and R'n'B) 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.

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