Platinum Plus Auto Repair Payment Options

Fix It Now, Pay Later

Our payment options give you flexibility with how you pay for your repair services. While it is always preferable to pay for car repairs upfront, we know that that might not be feasible for everyone.

That’s where our monthly payment options come in.

Paying for your car repair in installments allows us to repair your car right away so you can get back on the road and back to work while you pay off the balance.

The variety of our payment options are designed to accommodate a range of budgets and credit histories. Whether you have good credit, bad credit, or no credit, if there is a payment option that you can qualify for, we’ll make it work.  We Say Yes!


Leave the Repairs to the Pro’s at Platinum Plus Auto Repair


Frequent Questions About Financing

Can I qualify for financing even if I have little or no credit?

Yes, you can qualify for financing even if you have little or no credit. Platinum Plus Auto Repair offers various financing options specifically designed for customers with limited or no credit history. These options include the Platinum Plus Auto Repair Synchrony Car CareTM Credit Card, Snap Finance, Koalify and Easy Pay.

The Platinum Plus Auto Repair Synchrony Car CareTM Credit Card is an excellent choice for customers with good to excellent credit. It has no annual fee, no application fee, and it offers a $0 fraud liability. With available credit lines of up to $10,000, you can make necessary repairs or handle unexpected breakdowns promptly. Additionally, this card provides promotional financing, such as 6 months of financing on purchases ranging from $199 to $749.99 and 12 months of financing on purchases of $750 or more.

Snap Finance is another financing option offered by Platinum Plus Auto Repair. It is a great choice for customers with either good credit or limited to no credit. With approvals up to $5,000, you can obtain the necessary funds for repairs without worrying about your credit history. The application process is simple, and you can receive instant approval, making it convenient and efficient.

These financing options clearly demonstrate that Platinum Plus Auto Repair is committed to providing solutions for customers who have little or no credit. Whether you have a good credit history or are starting from scratch, Platinum Plus Auto Repair has options to help you get the necessary financing for your vehicle repairs.

Payment Options For Your Car or Truck Repair


Easy Pay

Our Easy Pay option is designed for credit building. It has you covered for repairs up to $5,000 and it’s interest free for 90 days. This makes it ideal for quick repairs that you plan to pay off quickly.

As the name implies, it’s easy to get approved. Just click the button below and search for the location that your car is getting its repairs at.


This option has lease and loan options. Let’s take a look at what that means.


Here are some key differences between leases and loans:





Customers with no credit history or who are building credit.

Customers with good to excellent credit.


Koalafi purchases the item from the merchant and leases it to the customer. They will own it in full when they make their last payment. The customer can pay their lease off early at a lower cost.


If the customer wants to cancel the lease, they can simply return the item to the merchant or Koalafi.

Koalafi loans the money directly to the customer to purchase the item from the retailer

Customer cost

The customer pays a low initial payment and a fixed, pre-set, amount on top of the retail price.

The customer pays interest on the loan. Loans are typically more affordable than leases.


To help maximize customers’ chance of approval:

Customers should:

  • Use their legal name instead of a nickname

  • Use the address on their driver’s license

  • Use a traditional bank account rather than an online bank when possible

  • Make sure their debit card balance can cover the initial payment

  • Use a personal checking account has been open for 90-days or more

  • Include all types of income

Customers should not:

  • Use a pre-paid card  

Synchrony Financial

This option requires good credit but allows you up to 6 months to pay off the balance with NO Interest. To learn more about financing your car repair through Synchrony Financial and to apply, inquire at one of our locations in Hopewell, Broad Street or Midlothian.

Snap Financing

No Credit Needed refers to Snap’s financing that considers more than just credit reports to determine approvals or denials. In fact, applications for Snap’s financing aren’t even reported to TransUnion, Equifax, or Experian. Their proprietary decision process allows them to look beyond bad credit, no credit, and bankruptcy to approve more applicants. 100 days same as cash. Only $15.00 application fee once you’ve been approved and processed. Up to $5000.00 Approval amounts


Let's Get Your Car Fixed Up