Repair Financing

Auto Repair Financing in Phoenix, Arizona

Pay for Car Repairs Over Time with Flexible Financing Options

Unexpected car trouble shouldn't keep you off the road. At Spencer Auto in Phoenix, we offer flexible auto repair financing options so you can get the repairs you need today and pay over time. Whether your vehicle needs a new AC compressor, brake work, engine repairs, or a major service, we work with trusted financing partners to make it affordable.

Our Auto Repair Financing Partners

Snap Finance - All Credit Types Welcome

Snap Finance offers a lease-to-own program with a 100-day early purchase option. If you pay off the cash price within 100 days, you only pay a small processing fee — no additional lease costs. Snap considers more than just your credit score, so customers with all credit backgrounds are encouraged to apply. Approval is subject to Snap Finance's terms and underwriting.

Synchrony Car Care - Promotional Financing for Qualified Buyers

The Synchrony Car Care credit card offers promotional financing on qualifying repair purchases, including 6-month deferred interest options on eligible amounts. If the promotional balance is not paid in full by the end of the promotional period, interest is charged from the original purchase date. Subject to credit approval. See application for full terms.

Why Phoenix Drivers Choose Spencer Auto for Repair Financing

• Apply online in minutes from your phone or computer
• Multiple financing options for different credit situations
• Use your approval toward any repair service at our shop
• Local, family-friendly Phoenix auto repair shop

How to Apply for Auto Repair Financing

Choose the financing partner that fits your needs and complete the secure online application below. Approval decisions are typically fast, and once approved, you can apply your financing to any qualifying repair at Spencer Auto.

Snap Finance Application

Synchrony Financial

Important Information

Financing is provided by third-party lenders. Spencer Auto is not a lender and does not determine approval, terms, or rates. All financing is subject to credit approval and the terms and conditions of the financing provider. For complete details on rates, fees, payment terms, and disclosures, please visit the Snap Finance website and the Synchrony Car Care website or review the application materials provided during the application process.