Is every option a loan?

No. Some offers are lease-to-own, while others may be loans or retail installment agreements. Those products work differently. Read the product type and total-of-payments disclosure before signing.

Will applying affect my credit?

It depends on the provider and product. Snap says applying does not affect your FICO score, although another consumer-report score may be affected. American First Finance may check credit. Koalafi may report payment history. Review each provider's application disclosure before submitting.

How much could I be approved for?

Published maximums include up to $5,000 with Acima, $300-$5,000 with Snap, and up to $7,500 with Koalafi for qualifying applicants. American First Finance determines its offered amount after application. Maximums are not guarantees.

Is $10 down guaranteed?

No. Acima advertises a $10 start only in select circumstances, and taxes or other charges may still be due. Initial payment requirements vary by provider, product, approval, purchase, and agreement.

Can I pay early and save money?

Many agreements include an early-purchase, buyout, or payoff option that can reduce total cost. The deadline, required additional payments, and savings vary. Ask the provider for the exact payoff amount and date in writing.

Can I apply before coming to the shop?

Yes. Use the provider links on this page to apply directly. For the most accurate repair amount, Nick's can inspect the vehicle first and give you a written estimate before you choose a payment option.

Four third-party payment providers

Fix the car.Choose how to pay.

Get a written repair estimate from Nick's, compare the product and total cost each provider offers, then apply directly with the provider that fits your budget.

COMPARE PAYMENT OPTIONS CALL (216) 862-0005

Written estimate firstApproval comes from providerWalk-ins welcome 7 days

A clearer path

Three steps from problem to repair

Bring us the car

Walk in or drop off. We inspect the problem and explain what is urgent, what can wait, and what the repair will cost.

Get the exact estimate

A real repair amount makes it easier to compare provider limits and avoid applying for more than you need.

Apply and review

Apply on the provider's site. Compare the product type, payment schedule, total of payments, and early-payoff terms before signing.

Compare before applying

Payment options accepted at Nick's

These companies use different products and approval methods. A higher published limit does not automatically mean a lower total cost.

Lease-to-OwnUp to $5,000

Acima

Lease-to-Own

Acima offers lease-to-own purchasing. It is not a loan or credit product. Approval, initial payment, taxes, fees, and early-purchase terms vary by application and location.

Published amount: Up to $5,000 for qualifying applicants
Application review: Uses consumer-reporting and other application data
Timing: Usually fast; provider decision

Apply online; some approval amounts may require an in-store application
Early purchase options may reduce the total cost
Payment schedule and total cost are shown before you sign
The standard lease path can cost substantially more than the cash price

Acima is a lease-to-own provider, not a lender. Not all applicants are approved. A $10 start is available only in select circumstances and does not include taxes or other charges. Review the agreement for total cost and early-purchase terms.

APPLY ON ACIMA'S SITE

Multiple Products$300-$5,000

Snap Finance

Lease-to-Own / Installment Options

Snap offers several payment products. The exact product, approval amount, payment schedule, promotional period, and cost depend on the application and agreement.

Published amount: $300-$5,000 for qualifying applicants
Application review: No impact to FICO score; other consumer-report scores may be affected
Timing: Decision may be available in seconds

Online application designed to take only a few minutes
Product offered may be lease-to-own or an installment arrangement
Promotional payoff periods and charges vary by merchant and product
All payment amounts and total cost appear in the agreement

Applying does not affect your FICO score, but Snap may obtain information from consumer-reporting agencies and another consumer-report score may be affected. Approval is not guaranteed. Promotional terms vary.

APPLY ON SNAP'S SITE

Up to $7,500Up to $7,500

Koalafi

Lease-to-Own / Lending Options

Koalafi offers lease-to-own and lending solutions. The product, amount, payment schedule, reporting, and total cost depend on the application and agreement.

Published amount: Up to $7,500 for qualifying applicants
Application review: Looks beyond a credit score; payment history may be reported
Timing: Provider decision after application

Published approval amounts up to $7,500 for qualifying applicants
May offer lease-to-own or a lending product depending on eligibility
Early-purchase or payoff options may reduce total cost
Positive and negative payment history may be reported to credit bureaus

Up to $7,500 is available only to qualifying applicants. Koalafi may offer lease-to-own or lending products and may report payment history. Approval and terms are not guaranteed.

APPLY ON KOALAFI'S SITE

Alternative OptionAmount determined by provider

American First Finance

Loan / Retail Installment / Lease Options

American First Finance may offer different product types. Rates or lease costs can be high, so compare the total of payments and early-payoff terms before signing.

Published amount: Multiple product types; terms vary
Application review: Credit and consumer-report information may be checked
Timing: May be immediate or require additional review

May offer a loan, retail installment agreement, or lease-to-own product
Approval and same-day decision are not guaranteed
Early payoff or buyout options may be available
Review APR or lease cost, payment frequency, and total of payments carefully

American First Finance may check credit and consumer-report information. Approval and same-day decisions are not guaranteed. Product examples published by the provider can carry very high APRs or total lease costs; the agreement controls.

APPLY ON AMERICAN FIRST'S SITE

Before you sign

Compare the total cost, not just the payment

A small weekly payment can still produce a large total. Ask for these five answers in writing.

1
What product is this?
Lease-to-own, loan, and retail installment products have different costs and ownership rules.
2
What is due today?
Confirm the initial payment, taxes, fees, and any other amount required before service begins.
3
What is the total of all payments?
Do not compare offers using only the weekly or monthly number.
4
What is the exact early-payoff date and amount?
Promotional purchase or payoff windows can reduce cost, but the deadline and conditions matter.
5
Will payment history be reported?
Ask whether positive or late payments may be reported to consumer-reporting agencies.

Common questions

Payment option FAQ

No. Acima, Snap, Koalafi, and American First Finance are independent third-party providers. Each provider decides whether to approve an application and sets the product, amount, payment schedule, fees, and total cost.

Start with the repair estimate

Bring the vehicle to 17625 Euclid Ave. We will inspect it, explain the work, and give you the amount you need before you choose a payment option.

GET DIRECTIONS CALL THE SHOP

7 days — Mon–Sat 8AM–6PM, Sun 9AM–4PM

Looking for service details first? Browse all repair services or review our tire options.