Big work does not always line up with payday. A set of tires, a lift kit, or a repair the vehicle needs now can be hard to move to next month — which is why the shop offers more than one way to pay over time. The options work differently, and the difference matters more than the logos.
The credit card option. Through Synchrony, the shop offers 0% financing for 6 months with approved credit on qualifying purchases. That is a credit card: approval is a credit decision, and the offer is subject to credit approval, with terms provided in the shop and by the provider.
The lease-to-own options. Acima and Snap are lease-to-own, which is not a loan and not credit. You lease the merchandise and own it after the lease is completed, and both offer early purchase options that lower the total cost compared with paying the full term. The provider's agreement — not a summary like this one — is where the total cost and the early purchase terms live, so read it before signing.
One more in-shop option. ABC Finance is also available, handled in the shop — ask at the counter or call (270) 861-2003.
Applying. Synchrony, Snap, and Acima applications run on each provider's own secure site from the links on our Financing page — the shop never sees your financial information. If one provider says no, that does not close the others out: a credit card and lease-to-own are different products with different approval logic, so it is worth asking us to walk through the rest.
The habit that protects you. Whichever route you take, ask before any work starts. That is when the options line up cleanly with the job — we will lay out which options apply to your total before anything is authorized, including what paying directly looks like.
Questions before you come in: call (270) 861-2003, Monday–Friday 8:00 AM–5:00 PM. Walk-ins are welcome.