"How can I get my Vehicle fixed if I can't afford it?"
Surprise repairs shouldn’t derail your life.
Big repairs don’t always line up with payday. Whether it’s brakes, tires, or a bigger engine or transmission repair, we know you still need a safe, reliable car to get to work, school, and home again.
That’s why we offer pay-over-time options:
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Get the repair done now
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Make smaller payments over time
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Keep your emergency fund and credit card for other needs
Use Payments for major repairs like:
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Engine & transmission repairs
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Brakes, suspension, steering
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Check engine light diagnostics and repairs
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Tires and wheels
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Heating & A/C repairs
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Other large service tickets
Not sure if your repair qualifies? Call us, and we’ll walk you through your options.
How The 0% for 90 Days Auto Repair
Payment Plan works
1. Get your repair estimate
We inspect your vehicle and give you a clear estimate for the work needed.
2. Apply online in a few minutes
Apply right from your phone or our front desk. Share a few pieces of info and get a decision in seconds.
3. We fix your car, you pay over time
We complete the repair now. You make convenient automatic payments to Koalafi over time, with options to pay off early and save on costs.
Apply Below
FAQ's
1. “Is this a credit card?”
No. Koalafi is a pay-over-time provider that offers lease-to-own plans and loans. You’re not getting a traditional credit card.
2. “Do I need good credit?”
Not necessarily. They look at more than your credit score. This is designed to help people who are still building or rebuilding credit. Not all applications are approved.
3. “Will applying hurt my credit score?”
Checking eligibility involves a soft inquiry that doesn’t affect your credit score. In some cases, there may also be a hard inquiry at alternative credit bureaus, but it does not affect your traditional FICO score from Experian, Equifax, or TransUnion.
4. “How much can I get approved for?”
Qualifying customers may be approved for up to $7,500, depending on income and other factors. Your exact approval amount will show during the application.
5. “Is there a fee to apply?”
It’s free to apply and see your approval amount. To use the funds, the bank may place a small initial payment hold (often around $49 or less) on your debit card, which becomes your first payment if you move forward.
6. “Can I pay off early?”
Yes. The most common early purchase option is 0% for 90 days. Exact details and options are in your contract.
7. “Who do I make payments to?”
You make payments directly to the bank through their online portal or app. If you ever have questions about your payments, their customer support team can help.