Five ways to pay over time
A worn-out set of tires or a failed brake job can't wait until the timing is better. That's why we offer five financing providers, so there's an option for more situations, from strong credit to limited or damaged credit. Use them on new tires, used tires, brake repair and larger repairs.
- Affirm: split larger repairs and tire purchases into scheduled monthly payments.
- Klarna: pay in installments, or spread a larger job over monthly payments.
- Sunbit: pay-over-time built for auto service, with a quick decision at the counter.
- Koalafi: flexible financing and lease-to-own for a range of credit situations.
- Snap Finance: lease-to-own with no credit needed and a fast path to approval.
Approval, terms, fees and early purchase options are set by each provider, not by Drivine Tire & Auto, and are subject to their agreements. We'll walk you through the options before any work begins.
Apply online before you come in
You can start a Koalafi or Snap Finance application right now from your phone. Each one opens the provider's own secure application for our shop, so you'll know where you stand before you arrive.
Apply with Koalafi Apply with Snap Finance Check Affirm Purchasing Power
Snap's application is also available in Spanish. The Affirm button opens Affirm's own site, where you can log in or create an account and see your purchasing power, an estimate of how much you may be able to spend with Affirm. The final amount is confirmed when you check out at the shop. For Klarna and Sunbit, ask us at the counter or when we send your quote and we'll get you started.
Financing or lease-to-own: what's the difference?
The five providers work in two different ways, and it's worth knowing which one you're signing up for.
Financing and installment plans work like a loan or a pay-later plan. The provider pays for your purchase, you own it from day one, and you repay the amount over a set schedule along with any interest or fees in your agreement.
Lease-to-own works differently. The leasing company buys the tires or parts and leases them to you. You make lease payments and own the items once the lease is paid in full or you use an early purchase option. Lease-to-own is built for people who may not qualify for traditional credit, but if you run the full term, the total you pay is typically more than the cash price. That's why the early payoff window is worth planning around.
In every case, read the agreement before you sign: the payment amount, the schedule, the total cost and what happens if you pay early.
Early purchase options with Koalafi and Snap
Koalafi and Snap Finance both offer early purchase options, so you can buy out your lease early and pay less than you would over the full term. Snap calls its version the 100-day option. If you know a paycheck, a tax refund or other money is coming soon, planning an early purchase can make a big difference to what you pay overall.
Each provider shows the exact early purchase amounts and dates in your lease agreement. They can differ by program and change over time, so go by what your own agreement says.
Which option fits you?
- Want predictable monthly payments: Affirm or Sunbit are a good place to start.
- Want to split a smaller bill into a few payments: Klarna's installments may suit you.
- Limited or damaged credit: Koalafi and Snap are built for a range of credit situations, with lease-to-own options.
- Not sure: ask us. We'll explain how each one works and you choose. There's no pressure to finance at all; cash, credit and debit cards are always fine.
How it works at the shop
- Get the quote first. We inspect the car or price the tires so you know exactly what you'd be financing. You approve the work before anything gets done.
- Pick a provider and apply. Each provider runs its own application and makes its own decision. Koalafi and Snap can be started online from the buttons above. Sunbit is designed to give you a quick decision right at the counter, and Snap offers a fast path to approval.
- Review the terms. Check the payment, the schedule, the total cost and the early payoff rules before you accept.
- We do the work. Once you're approved and happy with the terms, we get the job done. Your payments go to the provider, not to us.
What to have with you
Requirements vary by provider and can change, but applications commonly ask for a government-issued photo ID, your phone number and email, and income details. Lease-to-own providers often ask for an active checking account and proof of regular income. Some plans take a payment at signing, so bring a debit or credit card. If you want to be fully prepared, check the provider's own website for its current requirements before you come in.
An honest quote before you finance
Financing only helps if the work behind it is honest. We explain what we found, what it takes to fix and what it costs before you commit, so you're never financing parts your car didn't need. That goes for everything from a set of tires to a check engine light repair on a European car.
We're at 812 Richmond Hwy in South Richmond, open Monday to Saturday 9am to 7pm and Sunday 10am to 5pm. Walk in, call or text (804) 297-6350, or book online and choose "Financing question" so we can have the options ready when you arrive.
Ready when you are. Call or text (804) 297-6350, or book online and we'll come back with a quote and a time.