Up to $5,000
Cover the full repair, from parts and labor to tires and taxes, with one approval.
Repair Now, Pay Over Time
NAPA EasyPay Financing
NAPA EasyPay lets you get the repair done today and pay for it on a schedule that fits your budget. It is built for real life, including drivers with less-than-perfect credit.
Flexible financing without the runaround.
EasyPay Finance powers the NAPA EasyPay program. It is a fast, transparent way to spread the cost of a repair over time, with the same honest estimate we give every customer.
Less-than-perfect credit welcome
EasyPay looks at more than your score, so a rough credit history does not automatically rule you out.
Fast, real-time decisions
Apply in minutes and get an answer before we start the work, usually right at the counter.
Flexible agreement types
Depending on your application and state rules, you get a retail installment contract or a lease-to-own plan.
Automatic payments
Payments are set up to withdraw on scheduled dates, and you manage everything from an online portal.
Covers the work you need
Use it for major repairs, maintenance, and tires, not just the big surprise jobs.
From application to approved in minutes.
The whole process is built to be quick and clear, so you can get back on the road without the wait.
Apply in minutes
Tell our team you want to use NAPA EasyPay. You apply online from your phone, and most people hear back in real time.
Review clear terms
You see your specific payment schedule, total cost, and conditions, and sign a plain-language agreement before anything begins.
Get your repair done
We complete the work right away. There is no waiting and saving up while your vehicle sits.
Pay over time
Payments withdraw automatically on your scheduled dates, and you can view transactions or pay ahead in the online portal.
What You Will Need
Simple requirements to apply.
Meeting these does not guarantee approval, since every application is reviewed and verified, but it covers what EasyPay looks for to get you started.
- At least 18 years old
- A valid SSN or ITIN
- A valid government-issued ID
- An active checking account in good standing
- A minimum net income of about $750 per month
- A valid email address and a smartphone number
Full transparency
You review your terms and total cost several times before you sign, so you always know your commitment.
Manage it online
Track payments, view transactions, and pay ahead anytime from the EasyPay customer portal.
Prefer a different plan?
We also offer Koalafi lease-to-own financing. Compare both on our financing options page.
NAPA EasyPay questions, answered.
No. Depending on your application, the retailer, the item, and your state, EasyPay offers either a retail installment contract or a lease-to-own agreement. We walk you through which one applies before you sign.
Drive Safe Today
Ready to get the repair done?
Ask our team about NAPA EasyPay when you book. We will help you apply in minutes and get your vehicle back on the road.