Reduce repair hesitation
Auto repairs can be unexpected and expensive. Financing helps customers move forward when the repair is needed but the full upfront price creates stress.
Auto service financing
Help customers approve the repair they need today
Give customers payment options before the upfront repair cost becomes the reason they delay.
- For auto repair shops
- Fast approval options
- Prime, near-prime, and subprime
The customer may not be rejecting the repair. They may be rejecting the upfront price.
When a customer delays a repair, the issue is not always trust or need. Many times, they understand the repair is necessary — they just were not prepared for the full cost today.
Financing helps change the conversation from:
“I cannot pay this right now.”
to
“Which payment option works for me?”
Protect the repair order
Instead of cutting the job, removing recommended work, or discounting aggressively, your shop can offer a payment option that helps the customer approve more of the needed repair.
Present options at the service counter
Financing works best when it is introduced at the moment of decision: after the diagnosis, estimate, or inspection, while the customer is still evaluating the repair.
Different customers need different payment paths
Auto service financing is not one single product. Some customers qualify for traditional installment loans. Others may need lease-to-own options or promotional payment plans. The right fit depends on the repair type, ticket size, credit profile, state availability, and program rules.
Installment loans are usually structured as fixed monthly payments over a set term. They may be a good fit for customers with stronger credit profiles or for repair invoices where a traditional loan structure makes sense.
Common use cases
- Brake repairs
- Suspension work
- Tires and wheels
- Battery replacement
- Engine-related repairs
- Larger maintenance or diagnostic-led repairs
Typical structure
- Fixed monthly payment
- Defined repayment term
- Approval amount based on customer qualification
- Consumer APR may vary by credit profile and program
- Shop may pay a program fee depending on the offer
Customer experience
Financing should feel simple, clear, and professional
The financing experience becomes part of your brand. Customers should feel that the process is easy to understand, quick to complete, and transparent.
Fast application
The customer should be able to apply quickly, often from their own phone or device.
Transparent terms
Eligible options and key terms should be presented clearly before the customer accepts, so there are fewer surprises at the final step.
Own-device review
Customers can review financing options on their own phone or tablet while your team stays focused on the sale.
Clear payment choices
When multiple plans are available, customers can compare eligible options and choose the payment path that fits their budget.
Financing options are subject to approval. Terms, rates, fees, approval amounts, product eligibility, funding timing, and program availability may vary by customer profile, merchant type, state, lender, and selected program.