Flexible Financing

Repair now.
Pay over time.

Major repairs shouldn't wreck your month. ECM offers flexible financing options at all three locations — designed to keep you on the road without breaking your budget.

Apply at a Location How It Works

Why Finance

Get the repair you need today.

Four reasons our customers choose ECM financing for major work.

Same-Day Approval

Quick application. Most decisions return in minutes, not days.

Talk to a Human

Service advisors walk you through options. No call-center runaround.

Transparent Terms

Plans built for your budget. No surprise fees, no buried clauses.

Same Warranty

Financed or paid in full — every job comes with our 2-year / 24,000-mile warranty.

How It Works

Three steps. Same day.

From quote to repair, the whole process takes a single visit.

Schedule

Book online or stop by — book a diagnostic at any of our three SoCal locations.

Get a Quote

Master tech runs factory diagnostics. You get a transparent, itemized estimate up front.

Apply

Quick in-shop application. Approval typically same day for qualifying applicants.

Drive

Repair done with OEM parts and the 2-year warranty. Pay over time.

What's Covered

Major repairs, made manageable.

Financing is designed for substantial work — not oil changes. Here's where it shines.

Engine & Drivetrain

Big-Ticket Mechanical

Engine rebuilds & replacements
Timing chain & guide service
Transmission rebuilds
Head gasket repairs
Clutch & flywheel replacement

Electrical & Electronic

Diagnostics & Modules

ECU / TCU replacement & coding
Hybrid/EV battery service
Wiring harness replacement
Module programming
Major electrical diagnostics

Suspension & Brakes

Comprehensive Service

Air suspension overhaul
Full brake system rebuild
Control arm & bushing kits
Steering rack replacement
Major alignment work

Eligibility & Terms

Financing is available for qualifying repairs above a minimum threshold. Subject to credit review. Available in-shop only — talk to a service advisor at any of our three locations for current terms, partner financing options, and approval requirements. Specific plans, rates, and terms vary by partner; the service advisor will walk you through what's available based on the repair scope and your situation.

Common Questions

Frequently asked.

What credit score do I need?

Approval depends on the financing partner and the repair amount. We work with multiple partners — some focus on excellent credit, others on flexible approval for less-than-perfect credit. The service advisor will match you to the right path.

How fast is approval?

For most applicants, same day — typically within minutes of application. The application happens in-shop after we provide your repair quote, so you can decide whether to proceed once you see the actual cost and approved terms.

Is there a minimum repair amount?

Yes. Financing is designed for substantial repairs (typically a few hundred dollars and up). For routine maintenance like an oil change, financing usually doesn't make sense and isn't offered.

Do I have to apply before I get a quote?

No. We always provide a transparent, itemized quote first. You decide whether to apply for financing based on the actual cost — no commitment until you see the work and price.

Will applying hurt my credit?

Most of our financing partners use a soft credit pull for initial approval, which doesn't affect your credit score. A hard pull only happens if you accept the offer and complete the application — and we'll be transparent about which step we're at.

Can I pay it off early?

Most plans allow early payoff without penalty, but specific terms vary by partner. Ask the service advisor — they'll show you the exact terms before you sign anything.

Get the work done.

Pick a location and bring your car in for a transparent quote. Financing application takes minutes once you see the price.

Choose Your Location Contact Us

Repair now.Pay over time.