Auto Repair Financing Alternatives

Snap Finance specializes in lease-to-own financing for consumers with bad credit or no credit history. They work with thousands of auto repair shops and tire dealers across the United States. Snap uses alternative data beyond traditional credit scores, resulting in approval rates up to 80%.

EasyPay Finance is designed specifically for auto repair financing, partnering with independent repair shops nationwide. They offer tiered approvals matching borrowers with options based on credit profile, including 0% APR promotions for qualified buyers.

Koalafi (formerly West Creek Financial) offers lease-purchase financing focusing on approving customers traditional lenders decline. They use proprietary technology evaluating factors beyond credit scores. Popular for tire financing with major tire retailer partnerships.

Acima is a lease-to-own provider that does not use traditional credit checks. They focus on income and banking history for eligibility. Acima partners with thousands of auto repair shops and offers multiple early buyout options including 90-day same-as-cash.

Progressive Leasing is one of the largest lease-to-own providers with over 25,000 retail partners. They evaluate income and banking history instead of credit scores. Commonly available at major tire and auto service retailers with 90-day purchase option.

FlexShopper offers lease-to-own with flexible weekly payment options. They focus on current income rather than credit history. Early purchase options available to reduce total lease cost.

Synchrony Car Care card is accepted at over 500,000 auto service locations including gas stations, repair shops, and parts stores. Offers 0% APR for 6 months on purchases of $199+ at participating locations.

Goodyear Credit Card offers 6 months special financing on $250+ purchases at Goodyear Auto Service locations. Cardholders receive rebates and special offers on Goodyear tires year-round. Issued by Citibank.

Firestone Complete Auto Care card issued by CFNA offers promotional financing at all Firestone locations. Also works at Tires Plus, Hibdon Tires Plus, and Wheel Works. 6-month financing on $149+ purchases.

Discount Tire (America's Tire in some regions) offers store credit with 6-month promotional financing on $199+ tire and wheel purchases. America's largest independent tire retailer with 1,100+ locations.

NAPA EasyPay is available at NAPA AutoCare Centers nationwide. Provides multiple financing options through various lending partners, meaning options exist regardless of credit. Includes traditional and lease-to-own options.

CarCareONE by Synchrony Bank is accepted at over 16,000 locations including gas stations, auto repair shops, and service centers. One of the most widely accepted auto care credit cards with 6-month promotional financing.

Sunbit boasts approximately 90% approval rate, making it one of the most accessible options. Uses "buy now, pay later" model with 30-second application and soft credit check that won't impact your score. Partners with auto dealerships and service centers.

Affirm offers straightforward "buy now, pay later" with no hidden fees, no prepayment penalties, and no compounding interest. Know exactly what you'll pay upfront. Some purchases may qualify for 0% APR financing.

Uplift provides installment payment solutions with fixed monthly payments and no hidden fees. Expanded from travel financing into automotive services. Terms and availability depend on specific merchant partnerships.