Repair Financing in St. Louis, Missouri

There is a specific bad outcome we see often enough to want to head off: a driver whose car is damaged but drivable puts off the work because the deductible landed at a rough moment, and six months later moisture has gotten under a chipped panel and the job has doubled.

Situations where financing helps

Three come up repeatedly. A deductible larger than what is in checking this month. Damage a driver would rather not claim at all, because the premium increase over several years would exceed the repair. And an at-fault driver whose insurance is slow, uncooperative, or nonexistent, leaving a legitimate repair stranded.

How it works here

We are an auto body shop, not a lender, so we partner with third-party financing companies rather than carrying the paper ourselves. You apply, they make the decision, and approval depends on credit and loan eligibility, so we cannot promise an outcome before you apply. What we can do is give you an accurate, itemized number to apply against, since applying with a rough guess helps nobody.

The conversation before the paperwork

Come in for the free evaluation first. Sometimes the estimate is lower than feared. Sometimes we can stage the work, addressing what protects the vehicle now and scheduling cosmetic items later. Sometimes there is a coverage angle nobody mentioned, such as another party's liability or an uninsured motorist provision already sitting in your policy. Any of those may beat borrowing.

If financing still makes the most sense, we will point you at the options and let you compare terms without pressure from us.

Call (314) 353-3122 or come by 8014 Gravois Rd. Weekdays 8:00 AM to 5:00 PM, until 4:00 PM on Friday.