Auto Repair Financing for Your Clients

Caitlin
Author:
Caitlin
Caitlin Wood, BA
Editor-in-Chief at Loans Canada
Caitlin Wood has more than a decade of experience helping Canadian consumers learn how to take control of their finances. Expertise:
  • Personal finance
  • Consumer borrowing
  • Credit improvement
  • Debt management
📅
Updated On: September 10, 2015
Get a free, no obligation personal loan quote with rates as low as 9.99%
Free quote with no impact to your credit

Are you the owner of a garage? Do you specialize in helping your clients with unexpected repairs and issues? Do you pride yourself in always being available when your clients need you the most? If you answered yes to one or more of these questions then you probably have also encountered clients who have trouble paying their bills. The thing about car repairs and issues is that they’re almost always unexpected and expensive, which means the average person typically can’t afford to pay for them out of pocket. We understand that this can be a huge dilemma as you’ve probably built great relationships with your clients over the years but still need to get paid so you and your business can stay afloat and prosper.

This is where Loans Canada can help, we can partner with you so that you can offer your clients an option to finance their repairs so that they can get the money they need and in return you get paid on time and in full so you can continue to provide your clients with the service they’ve become accustomed to.

Expand Your Services

As a mechanic or garage owner you definitely know how expensive car repairs can be and that on average most people find it extremely difficult to pay for the repairs they need. Being able to expand your services and provide your clients with an option to finance their repairs instead of charging them to a high interest credit card can and will give your business a leg up.

Convenience is a huge factor for any type of business these days and since being car-less for any amount of time is less than convenient, it’s important that the services your offer your clients are convenient for them. By offering your clients the option of financing their repairs you’re also providing them with a flexible and affordable payment plan that can be tailored to fit their budget, however tight it might be. Large repair bills that seem unaffordable will be broken up into smaller more affordable monthly payments so your clients will be able to continue to live their lives and pay you for the services you provided them.

Increase Your Sales

By providing your clients with the option to finance the cost of their repairs you’ll be able to increase you sales and expand your business. With the option to finance your clients will more than likely choose to go through with those bigger and more expensive repairs that they’ve been putting off. This means you’ll make more money and also keep your clients happy.

Furthermore, you could use your new financing service to advertise your business and attract new clients. People like options, even if they don’t need them right away. Advertising that your garage now offers auto repair financing will give your current clients and potential future clients peace of mind that if and when they need help paying for a car repair, the option is available to them.

Give Your Clients What They Want

With the Loans Canada auto repair financing program, not only will you and your business benefit but you’ll be able to give your clients what they want, including:

  • Flexible payment terms that can be tailored to suit their needs
  • Affordable monthly payments that will fit their budgets
  • Assured confidentiality and professionalism
  • Competitive rates
  • Peace of mind that they won’t have to drain their savings account

Which of Your Clients Will Qualify?

Most of your clients will in fact qualify but it’s also very important that you, as the business owner, have all the information necessary to provide your clients with the best possible service. Here are the qualifications that your clients must meet:

  • Amount they request must be between $500 and $5,000
  • Their repairs cannot exceed the liquidation value of their car
  • They must be employed for a minimum of 6 months
  • They must have a bank account that’s been active for at least 3 months

Contact us Today

If you’re interested in offering your clients the option of financing their repair costs with the help of Loans Canada then give us a call today. Our auto repair financing expert will be more and happy to explain all the details and help you decide what’s best for you and your clients.

Check out our auto repair financing program here.

Caitlin Wood, BA avatar on Loans Canada
Caitlin Wood, BA

Caitlin Wood [BA Concordia] is the lead content specialist at Loans Canada and has over 10 years of experience in digital publishing and personal finance content. She oversees the creation of accurate, clear, and practical resources that help Canadians make informed decisions about loans, credit, debt, and personal finance. Specializing in simplifying complex financial topics, Caitlin ensures that all content reflects responsible lending practices and high editorial standards. Her work supports Loan Canada’s mission to provide trustworthy guidance and empower Canadians to navigate their financial options with confidence.

More From This Author

Special Offers

More From Our Experts

https://loanscanada.ca/wp-content/uploads/2021/03/AISH-Payment-Schedule.png
AISH Payment Dates, Amounts, And ADAP Changes In 2026

By Priyanka Correia, BComm
Updated on May 15, 2026

See the official 2026 AISH payment dates, monthly amounts, and what changes on July 1, 2026 when Alberta launches the new ADAP program.

https://loanscanada.ca/wp-content/uploads/2019/12/best-personal-loan.png
Best Personal Loans In Canada 2026

By Caitlin Wood, BA
Updated on May 15, 2026

Find the best personal loan in Canada for your credit score. We compare Big 5 banks, online lenders, credit unions, and loan brokers — plus how to loc...

https://loanscanada.ca/wp-content/uploads/2015/04/5-car-buying-mistakes.png
5 Car Buying Mistakes To Avoid

By Caitlin Wood, BA
Updated on May 14, 2026

Avoid the 5 most expensive mistakes Canadian car buyers make in 2026 — from skipping research to dealer financing traps. Save thousands on your next v...

https://loanscanada.ca/wp-content/uploads/2023/11/gifting-a-car-in-Ontario.png
Gifting A Car In Ontario: Everything You Need To Know 2026

By Priyanka Correia, BComm
Updated on May 14, 2026

Gifting a car to family in Ontario is exempt from 13% RST — if you follow the rules. Here's every form, fee, and step you need in 2026.

https://loanscanada.ca/wp-content/uploads/2026/05/Neo-United-world-elite-mastercard-review.png
United® MileagePlus® Neo World Elite® Mastercard Review

By Caitlin Wood, BA
Updated on May 7, 2026

Review the United MileagePlus Neo World Elite Mastercard: earn miles on everyday spending, free checked bag, priority boarding, $89 annual fee.

https://loanscanada.ca/wp-content/uploads/2019/10/Credit-Report-Public-Record.png
What Is A Credit Report Public Record In Canada?

By Priyanka Correia, BComm
Updated on May 4, 2026

Not sure why there is a public record is on your credit report? Read more here about what a public record is and how it affects yoru credit.

https://loanscanada.ca/wp-content/uploads/2021/04/Quebec-Minimum-Wage.png
Quebec Minimum Wage 2026: Effective May 1

By Priyanka Correia, BComm
Updated on May 4, 2026

Quebec's minimum wage rose to $16.60/hour on May 1, 2026 — a 50¢ raise affecting 258,900 workers. See the new rates, annual earnings, and cost-of-livi...

https://loanscanada.ca/wp-content/uploads/2021/03/Partial-Payments.png
What Happens If You Make A Partial Payment On A Loan In Canada?

By Priyanka Correia, BComm
Updated on May 4, 2026

What happens if you make a partial payment on your credit and loan products? Be aware that there are certain consequences that may occur.

Recognized As One Of Canada's Top Growing Companies

Why choose Loans Canada?

Apply Once &
Get Multiple Offers
Save Time
And Money
Get Your Free
Credit Score
Free
Service
Expert Tips
And Advice
Exclusive
Offers