Auto Repair Payment Plans

Auto Repair Payment Plans Tailored To Meet Your Needs

One of the most popular financing options the 0% 90 Day Payment Option. This Payment Plan allows you to spread your payments out with 0% interest for up to 90 Days by paying a 1 time $40 processing fee (and obviously paying the balance borrowed). If you can’t pay the balance in the 90 days, the bank simply automatically extends the payments over 12 months. But it’s important to understand, if you choose to pay over 12 months the bank WILL charge interest. It’s only 0% if paid within 90 days.

Both of these popular options allow you to make a much smaller and sometimes more manageable payment. Whatever your reasoning we’re happy to say that we have partnered with multiple  lenders that can help provide you with the best financing options to meet most credit histories and budgets.

While approvals, terms, and conditions of all Payment Plans are subject to 3rd party approval. We’re pleased to help you find the option below that best fits your needs.

Frequently Asked Questions:

Q: Can I get this loan and repair the car myself?

A:  I’m sorry but the answer is No. All payment plans are only valid for repairs performed by Precision Auto Repair in our West Springfield, MA location. We then back most repairs with our Nationwide 3 Year 36,000 Mile Warranty and 12 Months of Roadside Assistance at no additional cost.

Q: How long does approval take?

A: Our average customer receives an approval within minutes. You can also get a pre approval on your own using the form below.

Q: How do the bad credit Payment Plans work?

A: Our most popular is the 0% 90 day payment option. The bank looks more at the borrowers current financial situation to determine your ability to pay the loan back rather than focusing just on credit history because let’s face it, everyone makes mistakes. This plan allows you to pay off the balance within 90 days for 0% interest. The bank only adds a one time $40 fee to the balance of the loan.

ie: You borrow $500 and pay it off within 90 days, the total you pay back is $540.

Please note: If you go over 90 days, the bank will apply interest to the loan. If needed you can also easily extend the payments for up to 12 months but you will pay interest to do that. That interest amount varies per borrower. Our advice, pay it off within 90 days so you don’t pay any interest….

Q: I had “X, Y, Z…” happen and missed a payment but I’m good for it. Can you get the bank to approve me?

A: Unfortunately we have no influence or bearing whatsoever on any of the terms, conditions, rates, and approvals. We pair with a few different banks and will help steer you in the right direction. All financing is done through a 3rd party bank and we are simply making an introduction between you and the them. However, we can say confidently that we use these banks because they specialize in programs for good, bad, and awful credit. Most of our customers in a “less than ideal” credit situation that are looking for this service have no trouble getting an approval. But unfortunately it isn’t up to us to decide.

Q: I have perfect credit! Why would I need a loan like this?

A: The reality is that most of the customers using our payment plan options are customers with excellent credit. Auto Repair Loans aren’t just for people with bad credit. Even people with excellent credit can experience unexpected and costly break downs. Most use these plans when they don’t have the cash flow or don’t have the ability to pay off their credit card in full within the month. Some of the available plans will allow well qualified individuals the ability to pay over 90 days for 0%. This allows them to keep their cash on hand and use the bank’s money to pay for their repairs.

Auto Repair Payment Loans for Bad Credit, Good Credit, and Awful Credit

The approval process takes under 5 minutes and is very simple for Good Credit, Bad Credit, and Awful Credit.

All you need;

  • Be at least 18 years of age
  • Have a valid e mail address
  • Valid Photo ID
  • Social Security Number
  • No open Bankruptcies
  • Have a valid debit card
  • Valid checking account, not currently overdrawn with at least $40 in it
  • Have a current job making at least $12,000/yr

Did you say “Yes” to everything above?

If “Yes”, Then fill out the form below to get your pre approval!

If by some chance this form does not load, please click here

If by some chance this form does not load, please click here

**All payment plans are subject to 3rd party lender approval. Precision Auto Repair and it’s employees have no influence whatsoever in deciding approvals, terms, and conditions of all payment plans.


Precision Auto Repair and Sales West Springfield MA Best auto repair shop near me


Life Saver!!!!!! I admit it that I don’t take care of my car. I’m just too busy. I recently moved to the area to start a new job and right now I have a slight money problem. Like I have NO money. What do you think happens? My car breaks and I had ZERO money to fix it. I found Precision through the recommendation of a few co workers and had my car towed down. I thought I was going to have to wait a few weeks to get it fixed because I didn’t know how I was going to pay for it, but they were great. I was able to go online and get financing while I waited for them to tell me what blew up. 2 days later my car was done and I was on my way. You don’t know how much this means to me and my family. The whole staff over there is the best!! The finance company was great too.

Cara V.

Westfield, MA

Other forms of acceptable payment are;

      • Visa
      • MasterCard
      • American Express
      • Discover
      • Debit
      • Certified Check
      • Cash

Sorry but unfortunately we do not accept personal checks.