Our Financing

Car Care One Credit

At J&R Service Center, we understand that vehicle expenses can arise unexpectedly. That's why we offer the Synchrony Car Care™ Credit Card—a convenient financing solution designed to help you manage both major repairs and everyday vehicle-related purchases.​


Key Benefits:

  • Promotional Financing on purchases of $199+
  • Accepted Nationwide at auto shops, gas stations, and parts retailers
  • No Annual Fee
  • $0 Fraud Liability protection
  • 24/7 Online Account Access
  • Quick Application & Instant Decision
  • Prequalification with no impact to your credit score
Apply Today

Klarna Financing

At J&R Service Center, we make it easy to get the repairs you need now and pay over time. With Klarna, you can split your vehicle service bill into manageable payments—on your terms. Whether you're in for unexpected repairs or routine maintenance, Klarna offers flexible financing designed to fit your budget.



Key Benefits:

  • Flexible payment plans including Pay in 4 or monthly installments
  • Instant approval decisions with no hard credit check
  • Manage payments easily through the Klarna app
  • No interest when you pay on time with Pay in 4
  • Secure, transparent, and easy to use
Apply Today

Affirm Financing

Unexpected vehicle repairs shouldn't throw off your entire budget. With Affirm, J&R Service Center gives you the option to pay over time with no hidden fees and clear terms. Get the service you need now and choose a monthly payment plan that works for you.



Key Benefits:

  • No late fees or hidden costs—what you see is what you pay
  • Choose 3, 6, or 12-month payment options
  • No impact to your credit score to check eligibility
  • Instant loan decision at checkout
  • Simple, mobile-friendly payment management
Apply Today

Sunbit Financing

J&R Service Center has partnered with Sunbit to offer quick, hassle-free financing for your vehicle needs. Sunbit was designed specifically for auto service customers, making it easier than ever to break large repair bills into stress-free payments.



Key Benefits:

  • 90% of applicants approved in minutes
  • No hard credit check to apply
  • 3, 6, or 12-month flexible payment plans
  • Transparent terms with no hidden fees
  • Designed specifically for auto repair financing
Apply Today