Fix Your Car Today, Pay Over Time

No. Several of our partners specialize in customers with limited or challenged credit. Snap Finance and Acima are lease-to-own programs that approve based on income rather than FICO. Sunbit and Klarna do soft credit checks that don't affect your score. We work with you to find a partner that fits your situation.

Most decisions come back in under five minutes right from your phone. You'll know what you're approved for before we start the repair. No waiting days on a bank decision.

Most of our financing partners use a soft credit pull, which has no impact on your credit score. A few options involve a hard pull only if you complete the application and accept the offer. We'll let you know which is which before you apply.

Minimums vary by lender. Klarna can split as little as $50 into four payments. Snap and Acima typically start around $300. Affirm and Sunbit can finance from $150 and up. If your repair is small, we'll point you to the best fit.

Yes. Most of our partners reward early payoff. Snap Finance has a 100-day early purchase option that significantly reduces total cost. Klarna's Pay-in-4 is interest-free from day one. We can walk you through the math on which option saves you the most.

Yes. Tires, brakes, transmission work, AC compressor replacement - any service we offer can be financed. New set of Goodyear tires plus install and alignment? Easy financing through any of our partners.

Larger repairs are exactly what our financing partners are designed for. American First Finance and Affirm both handle larger amounts ($5,000+). Talk to us about the repair first - we'll give you an honest assessment of whether the repair is worth doing before any financing conversation.

You can pre-apply with most lenders directly through their websites, but the easiest path is to come in, get diagnosed, and apply at the shop. That way you know the exact amount you need approval for and we can help if anything goes sideways with the application.