The Complete List Of Auto Repair Finance Programs

Auto Repair Shops That Take Payments

As we’ve established previously, smaller auto mechanics are less likely to have financing. For this reason, the list below is all national chains that have locations spread throughout the US. The list below is not intended to be exhaustive, but you should be able to use it find a mechanic locally.

These auto mechanics all have financing offered, although their rates vary. All things considered, using an auto repair credit card is usually the best option if you can pay off the entire repair balance during the 0% APR introductory period.

Looking through this list, you’ll notice most of the companies have very similar terms. This is because one company largely dominates auto financing.

The company is called Synchrony – and it’s a consumer financial services firm headquartered in Connecticut, that manages financing for nearly every major car repair company. There are also several cards run by CitiGroup, which manages credit for Monroe Muffler.

Pep Boys

Terms:

• 6 months promotional no interest financing on purchases of $199-$749*
• 12 months promotional no interest financing on purchases of $750+*
• Instant credit upon approval
• 29.99% APR on purchases after promotional period ends
• Can be used at any of pep boys 971 nationwide shops, and over 500,000 automotive locations nationwide.

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

You can estimate your monthly repair payments here.

Where are Pep Boys Shops:

According to their website (https://stores.pepboys.com/)  Pep Boys can be found in 37 states. 

Meineke

Terms:

• 6 months promotional no interest financing on purchases of $199+*
• Instant credit upon approval. You can apply ahead of time at the link above.
• Can be used at nearly 900+ Meineke service centers nationwide, as well as 25,000 Synchrony Car Care locations
• 29.9% APR after no interest period ends

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Meineke shops:

Meinke claims to have over 900 shops nationwide, which operate in 48 states. You can find out if there’s one near you here.

Firestone

Terms:

• 6 months promotional no interest financing on purchase of $149+*
• Instant credit upon approval. You can apply ahead of time online at the link above.
• 28.8% APR after promotional period ends

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Firestone shops:

There are over 2,200 Firestone locations nationwide. You can find one near you here. https://local.firestonecompleteautocare.com/

Jiffy Lube

Terms:

• 6 months promotional no interest financing on purchases of $199 or more*
• Instant credit upon approval.
• Accepted at participating Jiffy Lube service centers. Not all service centers participate in the program because Jiffy Lube is Franchise owned.
• 29.9% APR after promotional period ends

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Jiffy Lube shops:

Jiffy Lube has around 2,000 franchises nationwide – but not all participate in the financing program.

National Tire & Battery

Terms:

• 12 months promotional no interest financing on purchases of $699 or more*
• 30.49% APR after promotional period ends
• Instant Credit Approval
• Accepted at over 700 stores nationwide

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are National Tire & Battery shops:

There are over 700 stores nationwide, and they all participate in the financing program. The National Tire and Battery card also words at Tire Kingdom.

Monro Muffler:

Terms:

• 6 months promotional no interest financing on purchases of $250+*
• 30.49% APR after promotional period ends
• Instant Credit Approval. Apply online
• Accepted at over 1,200 stores nationwide

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Monro Muffler shops:

Monro Muffler primarily operates on the east coast. To find a location near you, use this.

Midas

Terms:

• 6 months no interest financing on purchases of $199 or more*
• 29.99% APR after promotional period ends
• No annual fee
• Instant credit approval
• Accepted at over 1000 stores nationwide
• Apply online

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Midas shops:

Midas has over 1000 franchised locations nationwide.

Tuffy Tire & Auto Service

Terms:

• 6 months no interest financing on purchases of $199 or more*
• 29.99% APR after promotional period ends
• Accepted at gas stations nationwide
• No annual fee
• Apply online

*Interest free if the credit card balance is paid off during the promotional period. If the balance isn’t paid in full during the promotional period, interest will be charged from the date of purchase.

Where are Tuffy Tire & Auto shops:

Tuffy Tire and Auto shops are primarily located on the east coast. The company manages 175 locations in 20 states.

Napa Autocare

Terms:

• 6 months no interest financing on purchases of $199 or more*
• 12 months no interest financing on purchases of $750 or more*
• 29.99% APR after promotional period ends
• No annual fee
• Accepted at gas stations nationwide
• Apply online

Where are Napa Auto stores:

There are over 14,000 NAPA AutoCare centers nationwide.