Pay over time.
Four financing partners, one application at the counter.
Options for people with less-than-perfect credit. Apply in minutes at the counter.
- No credit needed options
- Decision in minutes
- Pay over time
Split the repair into monthly payments with a quick application at checkout.
- Soft credit check to apply
- Monthly payment plans
- Use it for the whole repair
One application, two paths: a lease-to-own plan or a loan, depending on what you qualify for.
- Options across credit types
- Fast decision
- Early purchase options
See your payment plan up front, then pay in installments with no late fees.
- Clear payment schedule before you commit
- No late fees
- Checking eligibility does not affect your credit score
Terms, approvals, and rates are set by each provider, not by the shop. Ask at the counter or when you book.
A brake job or a transmission does not wait for payday. We work with four financing partners so most drivers have an option, whatever their credit looks like today. You still get the written price first; financing only changes how you pay it.
How it works
- Get your written price. Nothing changes about the price when you finance.
- Apply at the counter or from the link we text you. Most applications take a few minutes and most do not affect your credit score to check eligibility.
- Pick the plan you qualify for: lease-to-own, a loan, or installments.
- We do the work. You pay the provider on the schedule you chose.
Which one is for me
- Snap Finance and Koalafi: lease-to-own options, including for people with no credit or damaged credit.
- Sunbit: monthly payment plans with a soft credit check to apply.
- Affirm: buy now, pay later in installments with the schedule shown up front and no late fees.
The fine print, in plain words
Each provider sets its own terms, approval decisions, and rates. We do not see your credit information and we do not decide approvals. Lease-to-own plans cost more than paying cash if you take the full term; every provider offers an early purchase option, so ask about it. Read the agreement before you sign, and ask us anything you do not understand.