What You Need to Know - Financing Repairs

Maestro Truck & Auto Service
Aug 21
3 min read

Unexpected repairs can hit your wallet at the worst possible time. Whether it’s a family car, a fleet vehicle, or your work truck, repairs can’t always wait until payday. That’s why we offer flexible financing options to help you handle costs without slowing you down.

A red semi-truck and a blue sedan are parked side by side in front of an auto repair shop with a blue “Service” sign. Large white text above reads “Need Repairs? Pay Later!” At the bottom of the image are the financing partner logos: Synchrony, Affirm, and Sunbit.

Why Finance Your Vehicle Repairs?

Pay over time – Spread repair costs into affordable monthly payments.
Keep your savings intact – Avoid dipping into emergency funds or business cash flow.
Minimize downtime – For truckers, lost time means lost income. Financing gets you back on the road faster.

Financing Options Available

We’ve partnered with trusted providers so you can choose the payment plan that works best for your needs:

🚛 Truckers Preferred – SYNCHRONY Consumer Financing

Tailored for drivers, Synchrony offers flexible payment terms, simple applications, and special financing offers such as 0% interest if paid in full within a promotional period. Once approved, you may also be able to use your account for future repairs.

💳 Affirm

Clear and simple monthly payments with no hidden fees. What you see is what you pay. Terms typically range from 3 to 36 months, depending on your approval.

⚡ Sunbit (through ShopMonkey)

Fast approvals (over 90% of applicants approved), soft credit check only, and flexible payment plans from 3 to 24 months. Perfect for customers who want quick, stress-free financing.

What to Expect: Terms & Approvals

Credit approval required – Approval depends on the provider and your credit profile.
Soft vs. hard checks – Sunbit uses a soft pull (no impact to credit score). Affirm and Synchrony may use a hard pull.
Interest rates – Some plans include promotional 0% financing; others may include interest depending on term length and approval.
Transparency – Payment amounts and terms are shown clearly before you commit.
Flexibility – You can pay off your balance early with no penalties.

Common Questions About Financing Vehicle Repairs

Does applying hurt my credit?

Sunbit uses a soft credit check (no impact).

Affirm and Synchrony may use a hard pull, which could slightly affect your score.

Can I pay off early?

Yes! Paying early is allowed with all providers and can save on interest if applicable.

Is there a minimum purchase amount?

Affirm and Sunbit usually start around $50–$100.

Synchrony typically applies to repair bills of $199 or more.

Are 0% interest options available?

Yes, Synchrony frequently offers promotional 0% interest financing if paid within the set term (such as 6 or 12 months). Terms vary.

How long does approval take?

Most applications are decided instantly—often within minutes.

What if my credit isn’t perfect?

Sunbit has one of the highest approval rates, even for customers with less-than-perfect credit.

Affirm and Synchrony are more credit-based but approve many applicants.

Can I use financing again for future repairs?

Synchrony accounts can typically be reused for future visits.

Affirm and Sunbit apply per transaction.

How to Get Started

Get your repair estimate.
Apply in minutes—online or in-shop.
Choose your plan and get approved.
Drive away with confidence. Repairs are handled today, and payments fit your budget.

Don’t Delay Repairs

Putting off repairs often makes problems worse—and more expensive. With Synchrony, Affirm, and Sunbit financing available right here at our shop, you don’t have to wait. Get approved today, fix your vehicle, and stay on the road with confidence.

👉 Ask us about financing at your next visit, and we’ll help you find the best option for your repair needs.