Repair now, pay over time
A repair shouldn’t have to wait for payday. Floorjack Auto offers pay-over-time plans through American First Finance and Easy Pay, so you can book the work now and spread the cost. No perfect credit needed to apply.
Two providers · quick online application · no perfect credit needed to apply.
Two ways to finance
Compare them and apply to the one that fits. No perfect credit needed to apply, and approval is not guaranteed.
Lease-to-own & retail installment
Retail installment · soft credit check
Why we offer financing
Car repairs rarely show up at a convenient time. A brake job, an AC compressor, or a transmission fix can land as one bill you didn’t plan for. We added financing so that bill doesn’t decide whether your car gets fixed — you get the repair the vehicle needs now and pay for it over time, on terms you agree to before any work starts.
It helps us, too. Offering a way to pay over time means we can say yes to more of the drivers who come through the door, and keep more of the Valley on the road. That’s the point of the shop.
How it works
Tell us what the car is doing. Call (623) 363-5990 or book online, and we give you the price before any work begins.
Choose American First Finance or Easy Pay below and complete the short application. It takes a few minutes, and you don’t need strong credit to apply.
Once you’re approved, we start the work and you pay over time on the schedule you agreed to.
What you can finance
Financing covers the repair and maintenance work we do in-house. A few of the most common:
Schedule Service
Start with the repair. Tell us what the car needs and we’ll get it scheduled and quoted, then you pick the financing option that works for you. Call during shop hours or book online any time.
Financing questions
Yes. We offer pay-over-time plans through two providers, American First Finance and Easy Pay, for repair and maintenance work at our Deer Valley shop in Phoenix.
No perfect credit is needed. Both providers base approval on more than your credit score, so drivers with limited or poor credit can still apply. Approval is not guaranteed.
The Easy Pay application is a soft check that does not affect your FICO score. American First Finance may check credit as part of its decision. Ask us and we will point you to the right option.
Approval amounts run up to $5,000, depending on the provider and your application.
Apply online through either provider on this page, or call (623) 363-5990 and we will walk you through it. You can apply before or after you book the repair.
Yes. With Easy Pay, paying the full balance within the first 90 days caps finance charges at $40, as long as you stay current on scheduled payments. Ask us about early-payoff terms for either provider.
