Financing
Unexpected repairs shouldn’t mean unexpected stress. At Lake City Auto Care, we want every driver in Coeur d’Alene, Hayden, Post Falls, and Rathdrum to be able to get the service their vehicle needs. That’s why we offer flexible, pay-over-time financing options through Sunbit, Affirm, and Synchrony Car Care.
Whether it’s a routine oil change, new tires, or a major repair like a transmission overhaul, you can choose the payment plan that fits your budget and get back on the road with confidence.
Applying takes just a few minutes and won’t affect your credit score to check your eligibility. Ask your service advisor which option is the best fit for you.
Sunbit
Simple, fast financing built for auto service.
Sunbit lets you split the cost of your repair or maintenance visit into manageable monthly payments. Most customers get a decision in under a minute, right from a phone or tablet at our shop, with a soft credit check that won’t impact your credit score.
Why customers choose Sunbit:
- Quick approval, often in under a minute
- No hidden fees — Sunbit doesn’t charge late fees or origination fees
- Flexible plans that can spread payments out over several months
- High approval rates, even for a wide range of credit profiles
Affirm
Pay over time, with the total cost shown upfront.
Affirm lets you break your repair bill into fixed monthly or biweekly payments. You’ll see your exact payment schedule and total cost before you commit — no surprises, no hidden fees.
Why customers choose Affirm:
- Clear, upfront terms — know your APR and total cost before you agree
- Flexible terms to fit different repair sizes
- Simple online application, right from your phone
- Checking your rate won’t affect your credit score
Synchrony Car Care
A dedicated credit card for all things automotive.
The Synchrony Car Care credit card is built specifically for vehicle-related expenses. Once approved, you can use it not just at Lake City Auto Care, but at over a million auto merchant locations nationwide — for repairs, tires, parts, and more.
Why customers choose Synchrony Car Care:
- Special financing available on qualifying purchases (typically 6 months on purchases of $199+, with longer promotional periods sometimes available on larger purchases)
- Reusable card for future auto needs — not just a one-time loan
- Accepted at over 1 million auto merchant locations across the U.S.
- Quick prequalification with no impact to your credit score
Note: Synchrony Car Care’s promotional financing is a deferred-interest offer — if the full promotional balance isn’t paid off within the promo period, interest is charged retroactively from the purchase date. Ask your service advisor or see synchrony.com for full terms.