Auto Repair Financing
Don't let unexpected repairs strain your budget. We offer flexible financing options so you can get the service you need today and pay over time.
Flexible Payment Options for Every Budget
At Chloe's Auto Repair & Tire, we believe car repairs shouldn't wait because of cost. That's why we offer two financing programs designed to fit different credit situations — from excellent credit to no credit history at all. Apply in minutes, get an instant decision, and start your repair the same day.
Synchrony Car Care™ Credit Card
Use the Synchrony Car Care Credit Card for purchases large and small — from major repairs to everyday needs like gas, auto insurance, parking, car washes, and even rideshares. It's accepted at gas stations, auto parts stores, and service businesses nationwide.
See if you prequalify and get a decision in seconds — with no impact to your credit bureau score. Once approved, you can use your card immediately at any Chloe's location.
Apply online and get approved in seconds.
Keep the card open with no annual charge.
Accepted at gas stations, auto parts stores, and automotive service businesses nationwide.
Manage your account, view statements, and make payments anytime.
Synchrony Car Care
The smart way to pay for auto repairs, tires, and routine maintenance.
- ✓ No annual fee
- ✓ Prequalify with no credit impact
- ✓ Use at 500,000+ locations nationwide
- ✓ Convenient monthly payments
SNAP Financing
Everyone deserves reliable transportation — regardless of credit history.
- ✓ Good, poor, or no credit accepted
- ✓ Payments aligned with your payday
- ✓ Early payoff options available
- ✓ Lease-to-own flexibility
SNAP Lease-to-Own Financing
Even if you've been through bankruptcy or have a poor or non-existent credit history, SNAP can still provide you with the best chance of approval. SNAP uses a simple, fast application process and offers flexible lease-to-own payment plans designed to align with your payday schedule.
Don't put off that brake job or tire replacement because of a credit score. SNAP financing lets you get the repair done today and pay over time with manageable payments. Early payoff options are always available so you're never locked in longer than you need to be.
Good credit, poor credit, no credit — everyone can apply.
Payments scheduled around your pay dates for easier budgeting.
Pay off your balance ahead of schedule with no penalties.
Ask your service advisor for the correct application link for your location.
How Auto Repair Financing Works
Choose Your Plan
Select Synchrony (traditional credit) or SNAP (lease-to-own) based on your situation.
Apply in Minutes
Complete a quick online application from your phone or ask your service advisor for help.
Get Instant Decision
Most applications are approved in seconds. No waiting, no hassle.
Start Your Repair
Once approved, we begin your repair immediately. You drive away the same day.
Financing FAQ
What credit score do I need for Synchrony?
Synchrony Car Care is best suited for applicants with good to excellent credit. You can prequalify online with no impact to your credit score — so there's no risk in checking.
Can I get financing with bad credit?
Yes — SNAP financing is specifically designed for applicants with poor, limited, or no credit history. Even if you've been through a bankruptcy, SNAP offers flexible lease-to-own payment plans.
How long does approval take?
Both Synchrony and SNAP provide fast credit decisions in most cases. You can apply from your phone or in store and start your repair the same day.
Can I use financing at any Chloe's location?
Yes — both Synchrony and SNAP financing are accepted at all five Chloe's locations in Georgia and Texas.
Is there a minimum repair amount to use financing?
There is no minimum for Synchrony. SNAP typically has a minimum transaction amount — ask your service advisor for current details.
Can I pay off my balance early?
Yes — both programs allow early payoff. SNAP offers early payoff options, and Synchrony allows you to pay your balance at any time.