Pay for your repair over time
A surprise repair shouldn't mean a surprise to your budget. We work with three financing partners so you can split the bill into payments. Apply on your phone and get a decision in about a minute.
Three ways to pay over time
Pick the one that fits and apply on your phone. It takes about a minute.
Sunbit
- Built for auto repair bills. Apply on your phone in about a minute.
- Soft credit check, so applying doesn't affect your score.
- Approves most applicants, including fair credit.
- Plans from 3 to 18 months. No late fees, no prepayment penalty.
Best for: bigger repairs when you want the longest runway and an easy approval.
Affirm
- Pay in 4 interest-free payments, one every two weeks.
- Or choose monthly plans over 3, 6 or 12 months.
- See your rate and total up front before you commit.
- No late fees. Checking your options won't affect your credit.
Best for: mid-size repairs when you want the cost spelled out before you say yes.
Klarna
- Pay in 4 interest-free installments, every two weeks.
- Monthly financing available for larger amounts.
- Pay in the shop with the Klarna app, like a card.
- Terms shown in the app before you confirm.
Best for: smaller jobs like brakes or an A/C recharge, if you already use Klarna.
Financing is provided by Sunbit, Affirm and Klarna, not by Wheat State Automotive Repair. All options are subject to each lender's eligibility check. Rates, terms and plan availability depend on the purchase amount and your approval; a down payment may be required. Affirm rates from 0–36% APR; payment options through Affirm are provided by its lending partners (affirm.com/lenders). Each lender shows your exact terms before you accept.
How it works
Nothing to arrange ahead of time
Get your estimate
We inspect the vehicle and send a digital inspection with photos and a quote to your phone, same as always.
Apply on your phone
Pick a lender and apply from your own phone. It takes about a minute and you'll usually get an answer right away, before we start the work.
Drive away, pay over time
Approved? We get to work. Your payments go to the lender on the schedule you chose.
Common questions
Does applying hurt my credit?
Sunbit uses a soft credit check, and Affirm and Klarna let you check your options without affecting your score. The lender will tell you if anything changes once you accept a plan.
Is there a minimum repair amount?
Each lender sets its own minimum, and they change from time to time. The app shows you which plans are available for your amount, and we're happy to help if you have questions.
Can I use financing for an oil change or small job?
Usually yes with Klarna or Affirm's Pay in 4. For very small amounts it may be simpler to pay as normal, but ask and we'll check.
Do you still take cards and cash?
Of course. We accept Visa, Mastercard, Discover, American Express and cash. Financing is just one more option.
Questions about financing?
Call (316) 425-8705 and we'll explain your options before you come in.