Nick, a failure at life, is finally confronted by Knuckles, a dirty loan shark who demands the return of his money or else he will cut off Nick's precious finger. Only given a day to pay him back, Nick seeks the help of his obtuse brother Craig whose brilliant new scheme is impersonating police officers, commonly known as 'Blue Light Bandits.' When a lone detective discovers their greedy ploy they are forced to flee as fugitives and reconcile their differences as brothers.