Mon-Fri: 8:00AM-5:00PM
Flexible Payment Options
Financing That
Works for You
Works for You
Car repairs are rarely convenient — but paying for them should be. We offer four financing options so you can get back on the road today and pay over time, your way.
How It Works
Apply in minutes. No need to delay necessary repairs.
At Sager & Sons, we never want cost to stand between you and a safe, reliable vehicle. That's why we've partnered with four trusted financing providers — each with different strengths, so there's likely a good fit regardless of your credit situation.
Just ask us at drop-off. 👋
Not sure which option is right for you? Our service advisors will walk you through each one — no pressure, no sales pitch. We'll help you find the plan that makes the most sense for your situation.
Our Financing Partners
Four options, one goal — keeping you on the road.
"Pay over time, with no late fees or surprises — ever."
- Split into monthly installments — 3, 6, 12, or 24 months
- 0% APR offers available on select plans
- No hidden fees, no late fees, no prepayment penalties
- See your exact payment before you commit — no surprises
- Soft credit check that won't affect your credit score
"Built for everyday people — not just those with great credit."
- Designed specifically for auto service & repair
- Approves up to 90% of applicants — high acceptance rate
- Apply in under 30 seconds — no hard credit inquiry
- Split into 3, 6, or 12 monthly payments
- No prepayment fees
"Shop now. Pay later. Totally interest-free when you pay in 4."
- Pay in 4 interest-free installments every 2 weeks
- Longer financing plans available for larger repairs
- Easy app-based management of your payments
- Trusted by 150+ million shoppers worldwide
- No interest on Pay in 4 — ever
"Helping people get approved — even without perfect credit."
- Lease-to-own financing up to $5,000
- Bad credit, no credit — still welcome to apply
- 100-day early payoff option to save on fees
- Fast, simple online application
- No traditional credit score required
Quick Comparison
Not sure which is the best fit? Here's a side-by-side look.
| Provider | Best For | Terms | Credit Needed |
|---|---|---|---|
| Affirm 0% APR available |
Good–excellent credit, larger repairs, flexible term lengths | 3 – 24 months | Fair to excellent |
| Sunbit Fastest approval |
Getting approved quickly, auto-specific financing | 3 – 12 months | Most credit types |
| Klarna Interest-free split |
Splitting smaller repairs into 4 payments with zero interest | Pay in 4 (6 weeks) or longer | Fair to excellent |
| Snap Finance No credit? No problem |
Limited or damaged credit history, up to $5,000 | 12 – 18 months (lease-to-own) | All credit types welcome |
Common Questions
Straight answers about financing your repair.
Will applying affect my credit score?
Most of our financing partners use a soft credit inquiry to get you approved — which means it won't impact your credit score. Affirm and Sunbit both use soft checks. We recommend checking the terms of the specific plan you choose for full details.
When do I apply — before or after the repair?
You can apply before your visit or right here at the shop during drop-off. We'll give you time to review your estimate and choose a financing option before any work begins. Nothing gets started without your approval.
What if I get declined by one provider?
That's exactly why we offer four options. Each provider has different approval criteria. Snap Finance in particular is designed for customers with limited or damaged credit history and approves a wide range of applicants. Just let us know and we'll help you find an option that works.
Is there a minimum repair amount to finance?
Minimums vary by provider — generally starting around $50–$150 depending on the plan. For very small repairs, paying out of pocket is often simpler. We'll let you know what makes sense for your situation.
Can I use financing alongside other coupons or discounts?
Yes — financing is applied to the final invoice total after any applicable discounts. Your estimate will always reflect the full picture before you decide.
Ready to Get Started?
Schedule your visit and we'll walk you through financing at drop-off — no pressure, just options.
📍 6126 W. Franklin St., Boise, ID · 📞 (208) 761-9406 · Mon–Fri 8am–5pm
Financing Disclaimer
Financing options are provided by third-party lenders — Affirm, Sunbit, Klarna, and Snap Finance — and are subject to credit approval and each provider's terms and conditions. Sager and Sons Auto LLC is not a lender and does not make credit decisions. Rates, terms, and eligibility vary by provider and applicant. All financing agreements are between the customer and the financing provider. Sager and Sons Auto LLC is not responsible for the terms, decisions, or policies of any third-party financing provider. Please review all terms carefully before accepting any financing offer.
Financing options are provided by third-party lenders — Affirm, Sunbit, Klarna, and Snap Finance — and are subject to credit approval and each provider's terms and conditions. Sager and Sons Auto LLC is not a lender and does not make credit decisions. Rates, terms, and eligibility vary by provider and applicant. All financing agreements are between the customer and the financing provider. Sager and Sons Auto LLC is not responsible for the terms, decisions, or policies of any third-party financing provider. Please review all terms carefully before accepting any financing offer.
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