How it works
Once your car repairs are completed, you pay for it over the term of your choosing, in either weekly, bi-weekly, or monthly installments.
1. Get a quote from the shop
Take your vehicle to one of our partner shops. They diagnose the problem and give you a written quote.
2. Apply in about ten minutes
Complete the application process through our website on your phone — we run a soft credit check which does not affect your credit score.
3. A person reviews your application
No decisions are made by algorithms; they’re made by a loan officer.
4. Choose your terms, sign, and we pay the shop
After you choose the term and payment frequency that works best for you, we pay the shop directly.
Every repair we finance carries a lifetime warranty on parts and labor. That is the point of financing through OTRA Lending rather than paying the shop another way.