Best Car Repair Shops with Payment Plans (No Credit Check Options)

Facing a major car repair bill with no savings? You’re not alone. Many auto shops now offer payment plans, financing, and even no-credit-check options to help drivers cover unexpected repairs. This guide reveals:

Top national chains & local shops with flexible payment options

How to qualify (even with bad credit)

Red flags to avoid (high-interest traps)

🔧 5 Best Auto Repair Shops with Payment Plans

1. Pep Boys

✔ Payment Plans:

Pep Boys Credit Card (6-12 months 0% interest if qualified)

Third-party financing (via Synchrony Bank)
✔ No Credit Check? No (but may approve fair/poor credit)
✔ Best For: Tires, brakes, and general repairs

2. Firestone Complete Auto Care

✔ Payment Plans:

Firestone Credit Card (Special financing offers)

Affirm installment loans (Soft credit check)
✔ No Credit Check? Partial (Affirm does a soft pull)
✔ Best For: Full-service repairs & maintenance

3. Meineke Car Care Centers

✔ Payment Plans:

Meineke Advantage Credit Card (Deferred interest options)

Partner financing (Through CITI)
✔ No Credit Check? No (but easier approval than some)
✔ Best For: Exhaust systems and diagnostics

4. Local Credit Unions & Community Shops

✔ Payment Plans:

In-house installment plans (Ask: “Do you offer pay-over-time?”)

Partner lenders (Some work with lenders like Snap Finance)
✔ No Credit Check? Sometimes (Varies by shop)
✔ Best For: Personalized service

5. Tires Plus (Bridgestone)

✔ Payment Plans:

Tires Plus Credit Card (0% intro APR periods)
✔ No Credit Check? No (but may accept lower scores)
✔ Best For: Tire repairs & alignments

💳 Alternative No-Credit-Check Options

Can’t get approved? Try these:

**1. *PayPal Credit*

6 months no interest on $99+ repairs (if paid in full)

No hard credit check (Soft pull only)

**2. *Affirm*

Split payments over 3-12 months

Soft credit check (Doesn’t hurt score)

**3. *Snap Finance*

Lease-to-own option for repairs

No credit check (But high APR if not paid quickly)

🚨 Warning: Avoid These Scams

❌ “Guaranteed approval” shops (Often predatory loans)
❌ Sky-high interest rates (Some charge 30%+)
❌ Demanding full payment upfront (Legit shops take deposits)

✅ How to Get Approved

✔ Ask about in-house financing (Better terms than credit cards)
✔ Bring pay stubs (Some shops accept income verification)
✔ Pre-apply online (Check Affirm/PayPal before visiting)

💡 Pro Tip: Negotiate!

Many shops discount cash payments by 5-10%. If financing, ask:

“Do you offer a cash discount if I pay today?”

“Can you waive fees if I sign up for your credit card?”

Final Verdict

Best for bad credit: Local shops with in-house plans or Affirm.
Best for 0% interest: Pep Boys/Firestone credit cards (if qualified).

Found a great shop? Share your experience below! 🚗💨

(Need cheap repairs? Check: “200+ Free & Low-Cost Car Repair Programs”.)