An unexpected repair bill can throw your whole month off. A failed water pump, a worn-out set of brakes, a transmission that starts slipping on your way to work. These are the kinds of problems that cannot wait, and they should not force you into a financial corner either. That is why Gil's Automotive Services partners with two trusted financing providers, giving you options whether your credit is excellent, limited, or somewhere in between.
West Creek Financial provides lease-to-own financing designed for customers who may not qualify for traditional credit. With an approval rate above 80%, most applicants walk out with an approved plan in minutes.
West Creek Financial
If a traditional credit card is not an option for you, West Creek Financial offers a straightforward lease-to-own program that covers auto repairs up to $5,000. The application process happens right here at the shop. There is no lengthy paperwork, no hard credit pull, and no uncertainty about where you stand. Most customers get an answer within minutes.
No credit needed. Lease-to-own financing up to $5,000.
80%+ approval rate, even with low or limited credit history.
Just $40 initial payment to get started on your repair.
100-day purchase option lets you pay off early with no penalty.
12-month financing available for larger repair bills.
What You'll Need to Apply
- Valid photo ID (driver's license or state-issued ID)
- Social Security number
- Debit card linked to an active checking account
- Active checking account in good standing
- Monthly income of $1,000 or more
Synchrony Car Care
The Synchrony Car Care credit card is built specifically for automotive expenses. It works like a regular credit card but is tailored to vehicle owners, with promotional financing on qualifying purchases and acceptance at hundreds of thousands of auto-related locations. If you already have decent credit and want a dedicated card for car maintenance and repairs, this is a solid choice.
6-month promotional financing on purchases of $199 or more.
$0 fraud liability protects you on every transaction.
No annual fee, so the card costs you nothing to keep.
Accepted at over 500,000 automotive locations nationwide.
Use it at more than 200,000 gas stations across the country.
A dedicated credit card for automotive expenses. Use it here at Gil's, at gas stations, and at participating auto service locations across the United States.
Questions About Financing?
Our front desk team can explain both programs in detail, help you figure out which one fits your situation, and get you started on the application. Give us a call or stop by the shop.