Auto Repair Finance Options That Fit Real Life
Financing is not only for emergencies. Some families prefer to spread out a larger repair or maintenance expense, preserve room in the monthly budget, or simply keep more financial flexibility. Dealertech Auto Service offers three different payment options so eligible customers can explore what best fits their situation.
NAPA Synchrony
A revolving automotive credit card for customers who want ongoing payment flexibility, access to eligible promotional financing offers, and broad acceptance through the Synchrony Car Care network.
Koalafi
A lease-to-own option that lets eligible customers make rental payments over time, with opportunities to purchase early and potentially reduce total leasing costs.
Snap
An installment loan option for eligible customers who want to spread a qualifying purchase across scheduled payments, with terms generally ranging from 12 to 18 months.
NAPA Synchrony Credit Card
The NAPA Credit Card is a revolving automotive credit option for eligible customers who want ongoing payment flexibility for vehicle care. It may be useful for planned maintenance, larger repairs, tires, or simply spreading an eligible purchase across payments while preserving room in the household budget.
6-Month Promotional Financing
Eligible purchases of $199 or more may qualify for no interest if paid in full within six months. Minimum monthly payments are required, and interest is charged from the purchase date if the promotional balance is not paid in full within the promotional period.
No Annual Fee & Widely Accepted Nationwide
Napa has no annual fee and offers convenient monthly billing, online account access, and access to applicable Synchrony Car Care cardholder benefits. It is accepted at more than one million auto merchant locations nationwide, including participating repair, parts, service, and gas locations.
Extended Service Warranty
When qualifying repair services are paid for with the NAPA Credit Card, applicable NAPA Auto Care Peace of Mind Warranty coverage may extend to 36 months or 36,000 miles.
Koalafi offers lease-to-own financing for eligible customers who prefer to spread an eligible purchase across scheduled rental payments over time. Koalafi purchases the eligible items from the merchant, and you lease them according to the terms of your agreement. Lease-to-own is not the same as a revolving credit card or traditional loan. Review the payment schedule, total cost, and early-purchase options before entering an agreement.
How It Works
Koalafi purchases the eligible items from the merchant upfront. You receive the eligible purchase and make scheduled rental payments to Koalafi according to your lease agreement.
Pay Over Time
Instead of paying the full eligible purchase amount at once, you make scheduled rental payments over the term described in your agreement.
Early Purchase Can Reduce Leasing Costs
You may have an option to purchase early and reduce total leasing costs. If you complete all scheduled lease payments, ownership transfers according to the terms of your agreement.
Snap Loan is an unsecured installment loan issued by Snap’s bank partner for eligible customers who want to spread a qualifying purchase across scheduled payments. Payment frequency is based on the customer’s paydays, and the applicable loan term is generally 12 to 18 months.
Structured Payment Schedule
Payments may be scheduled weekly, biweekly, semimonthly, or monthly based on your paydays. Your exact payment amount, APR, finance charges, and total repayment amount are disclosed before you sign the loan agreement.
100-Day Option
Customers who meet the program requirements may be able to pay the full principal and applicable processing fee within 100 days and receive a rebate of accrued interest. Terms and availability may vary.
Paying Early Can Reduce Interest
There is no prepayment penalty. Paying some or all of the principal early can reduce the amount of interest that accrues over the life of the loan.