Don't postpone the repair. Postpone the bill.
Soft pre-qualification in 60 seconds. Get the brakes/tires/engine work done today, pay it down on a schedule that fits your paycheck.
"I'll just save up and pay cash next month"is the most expensive sentence in car ownership.
Source: AAA repair-cost benchmarks (2023–24) for cascade-failure scenarios on a typical mid-size sedan. Numbers vary by vehicle and severity, but the direction is the same — postponed repairs almost always cost more than the original bill, plus financing.
See if you qualifybefore you commit to anything.
Soft credit check only — no impact on your score. We'll text you which of our four lenders pre-approved you and for how much, usually within 60 seconds. Then you decide whether to come in.
Try them in this order.
Each lender has different criteria. Start with the one most customers get approved through; if it's a no, try the next. We'll help you sequence applications so you don't burn time.
Acima Credit
Most repairs $300–$5,000. Limited or no credit history.
Highest approval rate of our four lenders. 90-day same-as-cash window means if you pay it off in 90 days, you pay no more than the cash price — effectively interest-free for fast payoff.
- Decision in seconds — no hard credit check
- 90-day same-as-cash → 0% effective cost if paid in 90d
- Approval based on bank account history, not FICO
- Early buyout discounts at any time
Snap Finance
Customers Acima can't approve. Repairs under $5,000.
Different underwriting model than Acima — many customers declined by Acima get approved here. 100-day early-buyout window is the longest in our lineup.
- 100-day early-payoff option (longest in our lineup)
- Apply in 60 seconds from your phone
- Different criteria than Acima — separate approval pool
- Weekly or bi-weekly payment plans
Koalafi
Repairs $5,000–$7,500. Engine, transmission, or multi-service.
Only lender that goes to $7,500. Use this for major repairs — engine work, transmission, multiple services bundled. Longer 12–24 month terms keep payments low.
- Highest approval cap — up to $7,500
- 12–24 month terms (lowest monthly payment)
- Multiple buyout discount tiers
- Low initial payment to get started
Estimate Your Monthly
~9.9% APR illustrativeDrag to your repair amount. Actual rate + term depend on lender approval.
Estimates only. Acima's 90-day same-as-cash window can effectively zero out finance charges if you pay it off in time.
Most customers qualify with at least one lender
We carry four lenders — Acima, Snap, Koalafi, and American First — specifically because each one has different approval criteria. Customers declined by one are commonly approved by another. None of them require a traditional credit score, and the soft pull doesn't ding your credit. If all four decline, we'll tell you up front and help you build a plan that works.
The Process — Three Steps
Diagnose & estimate
Free inspection. Written estimate before you commit. We tell you what's urgent vs what can wait.
Apply (60 seconds)
From your phone, in the waiting room, or at the counter. Soft check first — no impact on credit.
Drive away today
We do the work, you take a free Uber back if needed. Pay $0 down, then on the schedule that fits.
Frequently Asked
Not necessarily. All four of our financing providers — Acima, Snap Finance, Koalafi, and American First Finance — offer lease-to-own options with no traditional credit check. These are great options if you have limited or challenged credit.
Stop putting it off.
Either pre-qualify now (60s, soft check) or call the shop and we'll walk you through it.
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