Two Financing Partners, Built for Auto Body Repair
An accident is expensive enough without a big up-front bill. Whether you're covering your insurance deductible, paying out of pocket because you don't carry collision coverage, or just spreading a larger repair across monthly payments, financing lets you get the repair done now and pay over time.
We work with two lenders selected specifically for auto body work:
Sunbit
A pay-over-time option designed for service businesses, with high approval rates and 3-, 6-, or 12-month installments. The application takes about 30 seconds on your phone, and prequalification is a soft credit check that does not affect your credit score. If you're approved, you choose a payment plan, sign electronically, and we apply the financing to your repair bill.
EasyPay Finance
A longer-term financing option for larger repair bills. Good fit for major collision work, restoration projects, or any job where you want to spread payments over a longer window. EasyPay also offers their 90-day same-as-cash option on qualifying purchases, pay it off within 90 days and you avoid interest entirely.
Who Financing Is For
- Uninsured drivers, you need the repair, and you don't have an insurance check coming. Financing makes it manageable.
- Drivers with high deductibles, a $1,500 deductible is more than most people can absorb in a lump sum. Spread it over 6-12 months and the math gets easier.
- Drivers who don't carry collision, you may have only liability coverage if your vehicle is older. Out-of-pocket repair with monthly payments is often the right path.
- Restoration customers, classic and project car owners often spread restoration costs across multiple phases. See our restoration capabilities →
- Out-of-pocket cosmetic repairs, small bumper damage, paint refinish, dent work, that doesn't make sense to file a claim for but you still want done right.
- Fleet and business customers, sometimes preferable to manage cash flow even when the funds are technically available.
Using Financing With Insurance
Even when you're going through insurance, financing can help. Here's the common scenario:
- Your repair total is $4,000.
- Insurance covers $3,500 (after your $500 deductible).
- You owe us $500 at pickup.
That $500 deductible is the part you can finance. Apply for a small Sunbit plan, sign at pickup, drive away the day your repair is done. Six monthly payments of ~$87 instead of writing a $500 check at the worst possible moment.
Same applies to supplements that come in after teardown reveals additional damage your insurance didn't initially cover, but might require a portion you have to pay before getting reimbursed.
How to Apply
- Get an estimate. Bring your vehicle in, or send photos through our free virtual estimate tool. We give you a written estimate.
- Mention financing. Tell us you'd like to explore Sunbit, EasyPay, or both. We'll walk you through the options based on your repair amount.
- Apply on your phone. Both lenders use a soft credit check for prequalification, no impact to your score. Takes about 30 seconds.
- Choose your plan. Review the offers, pick the payment plan that works for you, sign electronically.
- Repair done. Your repair proceeds the same as any other job. Same parts, same techs, same lifetime warranty.
Important Notes
- Sunbit and EasyPay are independent lenders. Approval, terms, interest rates, and credit decisions are made by the lender, not by us.
- Both lenders disclose all terms (APR, monthly payment, total cost) before you sign. There are no hidden fees from our side.
- Prequalification is a soft credit check (no score impact). Final approval, if you accept terms, may include a hard credit pull, depends on the lender.
- Approval amounts and payment terms vary by applicant. The lender will show your specific options after you apply.
- EasyPay's 90-day same-as-cash terms vary, ask us about the specific offer at time of application.
Why We Offer Financing
An accident is one of the most financially stressful events most people experience. The repair is technical, the insurance process is opaque, and the bill at the end is rarely a number anyone planned for. Financing is a way to take pressure off the cost so you can focus on getting back on the road in a vehicle that's been properly repaired.
We chose Sunbit and EasyPay because they're built specifically for service-business invoicing, with terms that make sense for auto body customers. Both have been around long enough to have predictable processes, transparent disclosures, and (mostly) reasonable rates.
If financing isn't the right answer for you, that's fine. We accept cash, card, and check, and we work with every major insurance carrier. See the full list of carriers →