Auto Repair Financing | Essex, MD

We offer flexible financing options through Koalafi. Whether you need urgent repairs or regular maintenance, Koalafi provides easy and affordable payment plans tailored to your budget. With Koalafi, you can get the necessary services for your vehicle without the stress of upfront costs.

NAPA Credit Card Available at Charlie & Ray’s Auto Repair.

6 and 12 Month Special Financing Available* on purchases of $199 or more made with your NAPA Credit Card at participating locations nationwide.

•  6 Months on purchases of $199 or more

•  12 Months on purchases of $750 or more

•  Extend your Peace of Mind Warranty to 36 Months/36,000 miles when you make your qualifying repair and service purchases using your credit card.

Subject to credit approval.

 Click here for Warranty details.

NAPA Credit Card Cardholder Benefits

• Accepted at gas stations nationwide**

• Accepted at over 25,000 Synchrony Car Care locations

• Exclusive cardholder discounts

• No annual fee***

• Convenient monthly payments

• Online account management

Auto Repair Financing FAQs

What is auto repair financing?
Auto repair financing allows you to pay for vehicle repairs over time instead of all at once, often through monthly payments.

How do I apply for financing?
You can apply quickly in-shop. Most applications take just a few minutes, and approval decisions are often immediate.

Do I need perfect credit to qualify?
Not necessarily. We work with financing partners that offer options for a wide range of credit situations.

What types of repairs can be financed?
Financing can typically be used for most services, including engine repairs, brake work, transmission service, and more.

When can I start my repairs after applying for financing?
Once approved, repairs can begin right away so you can get back on the road quickly.

Vehicle Repair Financing for Quality Services

We are proud to bring you financing options that fit your needs. Are you ready to schedule an appointment for auto repair in Essex, Maryland? Or, if you’d like more information, feel free to click here to contact us. Our team would be happy to answer any of your questions. Don’t put off quality car / vehicle repair, reach out to us today to get started!