Splitit allows our optics and other cutting-edge products to reach thousands more customers both in the UK and the rest of the world
Neha Raghava Group Head of Innovation, Engagement & E-Commerce at Bryant Dental
View success story Flexible installments for automotive businesses
Offer flexible financing options for auto parts, and maintenance services. Splitit enables your customers to split payments using their existing credit card, so no new loans, no credit checks and no added complexity to your checkout process.
Credit card installments unlock huge potential
85%+ approval rate
More estimates get approved when cost isn’t the deciding factor.
+23% increase in AOV
Customers commit to fuller repairs instead of the cheapest fix.
100% guaranteed payment
The full amount is authorized upfront, so future payments are guaranteed.
Automotive financing without new loans
Splitit is the only card-linked installment solution that allows automotive merchants to offer payment plans without increasing customer debt. Splitit operates within existing credit card regulations, keeping your business compliant and your customers financially secure.
Unlike traditional financing or car parts payment programs that require loan applications, Splitit leverages the available credit that consumers already have on their cards. Since approval is based on available credit, businesses see higher approval rates than traditional financing options.
Zero default risk
Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card. You receive guaranteed payment while customers get the flexibility they need.
How to offer financing for car repairs
The Splitit Go app gives you direct access to Splitit’s card-linked installment technology so you can create and send a payment plans wherever you are.
Create payment plans anywhere
Enter the repair, project, or parts total and choose the number of installments. Customers receive their plan instantly via QR code, SMS, or email, and you get confirmation the moment they engage.
Track payments
The dashboard gives you a real-time view of your entire portfolio — searchable by customer name, email, plan ID, or order ID, and organized by status so you always know what’s live, what’s pending, and what needs attention.
The future-proof financing option for automotive businesses
Feature
Traditional financing
Splitit
Use existing credit No application or credit checks No additional interest or fees White-label Support higher ticket projects Increase closure ratesAutomotive businesses trust Splitit
Ready to fuel your business growth? Let’s get into gear.
Our team is ready to show you exactly how Splitit can increase your sales, improve customer satisfaction, and give you a competitive edge in the automotive market. Book a no-obligation consultation to discuss your specific business needs.
Frequently Asked Questions
Most financing options fall into three categories: in-house payment plans a shop manages itself, third-party loans that require a credit application, and card-linked installments that use a customer’s existing credit card. Each works differently for approval speed, risk, and how much the customer has to disclose to get approved.
Card-linked installments work across auto repairs, car parts, and routine service, giving repair shops, service centers, and independent mechanics one payment solution instead of a different process for each type of sale. The same plan runs across channels: in-store, online, over the phone, or on-site, so a mobile mechanic can send a payment link from the roadside just as easily as a front desk can create one at checkout.
Splitit allows customers to use their existing credit card to split auto repair costs into monthly installments without applying for a new loan. There are no credit checks, applications, or impact on credit scores. Customers simply select their payment plan at checkout, and Splitit manages the installment schedule automatically. Merchants receive guaranteed payment with zero default risk.
Splitit places an authorization hold for the full purchase amount on the customer’s credit card when they create their payment plan. If a customer misses an installment payment, the full remaining balance is automatically charged to their card. This means zero default risk for merchants, so you never need to pursue collections or write off bad debt.
Any automotive business with average transactions over $500 benefits from Splitit. This includes auto parts retailers, repair shops, collision centers, dealerships, tire shops, and automotive e-commerce platforms. Businesses selling high-ticket items: performance parts, custom wheels, engine components, or comprehensive service packages, see particularly strong results with higher approval rates and increased average order values.