Two financing paths, whichever fits your credit picture. Both are fast decisions, both applied for right here in the office. Neither requires you to walk away from the repair you already came in for.
Synchrony Car Care rewards clean credit with buying power for a range of ongoing vehicle costs. SNAP is a lease-to-own option that works when traditional credit is closed — including after bankruptcy or with no credit history at all.
The Synchrony Car Care Credit Card is designed for the full cost of owning a vehicle — not just repair. It's accepted at 500,000+ locations nationwide, so it pays for the repair here today and the gas, insurance, and maintenance long after.
SNAP is a lease-to-own solution — not a credit card, not a bank loan. It approves people that other lenders turn away, including customers post-bankruptcy or with no credit file at all. Payments align to your payday schedule so they never surprise you.
Beyond Wizard's — this list is the reason many customers keep it in their wallet as their everyday vehicle card.
We diagnose your vehicle and give you a full written estimate — parts, labor, and warranty covered.
Tell us which financing option fits. We'll walk you through both if you want — no pressure.
Fill out the application right here on the tablet. Decisions usually come back in minutes.
Once approved, we begin the repair. You leave with a fixed vehicle and a payment plan that works.
If you're not sure which path to pick, these three quick scenarios cover about 80% of the questions we get at the counter.
Go with Synchrony Car Care. You'll get the best terms, promotional financing on qualifying repairs, and a card that pays for gas and insurance too.
SNAP was built for you. Bankruptcy, low score, no score — SNAP evaluates differently. Approval is usually minutes and payments align to your paycheck.
Apply for Synchrony first. If it doesn't work, SNAP is our fallback in the same visit — no need to walk away without the repair.
Synchrony runs a standard credit check. SNAP does not run a traditional credit inquiry the same way — ask us or SNAP directly for the exact details for your situation.
Both options can be used for any repair we perform, from a tune-up to a full engine rebuild. There's no minimum on our side.
Usually minutes for both. Occasionally SNAP requests additional verification, in which case it's same-day rather than instant.
Yes — both options cover our full range of work, including RV, diesel, and generator service.
Talk to Synchrony or SNAP directly — they each have hardship programs. We don't manage the loan, so we can't change payment terms, but we can always help you understand your options.
We don't — the Synchrony and SNAP programs are structured to give you consumer protections and terms that a small shop couldn't match on its own.
Come in for the diagnosis and we'll walk you through both financing options right there. Bring your driver's license and last recent pay stub if you have one — that speeds SNAP up.