Flexible Payment Options

Finance Your Auto Repair — Approved in Seconds

Don't let cost delay a safety repair. Tom's B&M Auto offers three financing options with fast approvals and no impact to your credit just to check your rate.

No credit impact to check Approved in seconds All credit types welcome Use for any service

Three Ways to Pay Over Time

We offer more financing options than any chain shop in Lynnwood — so more customers get approved, even with less-than-perfect credit.

Highest Approval Rate
Snap Finance
Great for all credit types
  • Approves most credit situations
  • Lease-to-own flexible payments
  • Merchant ID: 111455 — Text to 48078
  • 100-day payoff option
  • No hard credit pull to apply
Apply with Snap →
Affirm
Transparent installment payments
  • Clear monthly payment amounts
  • No hidden fees or surprises
  • 3, 6, or 12 month terms
  • Soft credit check only
  • Popular with younger customers
Apply with Affirm →
Sunbit
Built specifically for auto service
  • Designed for auto repair shops
  • Fast in-store approval
  • Approves 85%+ of applicants
  • Flexible payment plans
  • No prepayment penalty
Apply with Sunbit →

How It Works

1
Book Your Appointment
Call us or book online. Let us know you'd like to use financing.
2
Get Your Estimate
We inspect your vehicle and give you a written estimate before any work.
3
Apply in Seconds
Choose Snap, Affirm, or Sunbit and get approved on your phone in under a minute.
4
We Fix Your Car
Work begins, you pay over time. No stress, no delay on a safety repair.

Common Questions

Does applying affect my credit score?
Checking your rate with Snap, Affirm, or Sunbit does not impact your credit score. A hard inquiry may occur only if you accept and finalize the financing.
Which financing option has the best approval rate?
Snap Finance and Sunbit both approve a very high percentage of applicants, including customers with limited or poor credit history. Affirm is great for customers with established credit who want transparent monthly payments.
Can I use financing with a coupon or special offer?
Yes — you can stack a special offer promo code with financing. Use your coupon discount first, then finance the remaining balance.
What's the minimum repair amount for financing?
Minimums vary by provider but generally start around $100–$200. Ask at the shop and we'll help you find the right option for your repair.
Can I use financing at both Tom's B&M and Brakes For Less?
Yes — all three financing options are available at both locations at 17820 Hwy 99, Lynnwood, WA.

Don't Put Off a Safety Repair

Book your appointment today. Financing takes seconds to apply — and you can combine it with any of our no-expiration special offers.

Book Appointment View Special Offers