Can I Get Auto Repair Financing at Shade Tree Auto?
Yes—and applying is easier than you think. Shade Tree Auto partners with Affirm and other trusted financing platforms to help you get the repairs you need now and pay over time.
How Do I Apply for Financing?
You can apply directly through our financing portal before or during your visit. It takes just a few minutes to check your options, and there’s no hard credit pull just to see what’s available.
If you're already scheduled for a repair and think you may need financing, let our team know and we’ll walk you through it.
What Repairs Can Be Financed?
Almost anything—from major engine or transmission work to brakes, tires, or unexpected diagnostics. Our financing partners help break big bills into smaller monthly payments, so you don’t have to delay critical repairs.
Typical items that customers finance include:
Transmission repairs
AC and heating system repairs
Suspension and alignment issues
Multi-service visits
Unexpected repairs after diagnostics
What Are the Terms?
We offer several flexible plans, including:
Pay-over-time options with no hidden fees
No interest plans if paid in full within a promotional period
Fixed monthly payments so you can budget ahead
All terms are clearly displayed before you commit, so you’re never in the dark about what you're signing.
Do I Need Good Credit to Qualify?
Our partners work with a wide range of credit backgrounds. In many cases, you can qualify for financing even with a less-than-perfect credit score.
We’re here to help—not judge.
Why Offer Financing?
Because car repairs often show up at the worst possible time. Our goal is to make high-quality repairs accessible without compromising safety—and flexible financing helps make that happen.
