Why Payment Programs Matter
We see it every week — a Cleveland driver comes in with a serious safety issue, gets the diagnosis, and then has to choose between fixing the car and paying rent. That is not a choice anyone should have to make. Driving on bad brakes, worn tires, or a misfiring engine is dangerous. That is why we partnered with four different payment-program providers to cover every credit situation. Bad credit, no credit, limited credit — there is an option. Your safety should not depend on whether you have $800 in your checking account right now.
Our Four Payment Program Providers
We work with four providers, each with different approval criteria. Acima Credit is a lease-to-own option that requires no credit check — approval is based on income and banking history, with a 90-day same-as-cash option. Snap Finance works with bad credit and no credit, using income verification rather than credit score, with a 100-day same-as-cash option. Koalafi offers the highest approval amounts up to $7,500 for larger repairs. American First Finance rounds out our lineup with no-credit-needed lease-to-own and a 90-day same-as-cash option. Between these four providers, we get most applicants approved for the repairs they need.
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Free written estimate. 12-month warranty. $10-down financing. Walk-ins welcome 7 days.
How It Works — $10 Down, Same-Day Approval
The process is simple. We figure out your vehicle and give you the repair estimate. You apply with one or more providers — applications take 5 minutes on your phone. Most approvals come back in minutes. Once approved, we perform the repair and you make payments according to the plan terms. Most providers require as little as $10 down. Payment terms range from 3 to 24 months depending on the provider and the amount. Interest rates vary — some providers offer promotional 0 percent APR, others have higher rates for higher-risk borrowers. We explain all the terms before you commit.
What You Can Cover With a Payment Program
Payment programs cover all repair and maintenance services — brakes, tires, engine repair, transmission work, diagnostics, suspension, electrical, and more. Minimum amounts vary by provider, typically $200 to $500 minimum. Maximum amounts range from $3,000 to $10,000 depending on the provider and your approval. You can also use a payment program for preventive maintenance like timing belt replacements and fluid services — investing in maintenance now prevents expensive emergency repairs later.
Get Approved Today
Do not put off safety repairs because of money. Apply at the shop or call ahead and we can walk you through the process over the phone. Most applications take 5 minutes and approval is immediate. Call (216) 862-0005 or drive to 17625 Euclid Ave, Euclid. Nick's Tire and Auto — because safe brakes should not wait until payday.
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Bring it in. We'll show you the problem before we fix it.
Free written estimate before any work. 12-month warranty on parts and labor. Free Uber within 5 miles if you drop off. Walk-ins welcome 7 days a week.
- 12-mo / 12,000-mi warranty
- $10-down financing available
- Most repairs same/next day
- Text updates throughout