Fix Your Car Now.
Pay Over Time.
Get a quote, approve your invoice, and pay using Affirm, Klarna, or Afterpay at checkout. They handle your installment plan. We handle your car.
How the Money Actually Moves
Three parties, one simple flow. Here is exactly what happens when you choose a payment plan.
You
The Customer
Pay invoice in installments
Payment Plan Provider
Pays your invoice in full
Simply Fixed
Receives full payment
Orders parts. Comes to you.
Step by Step
From broken car to scheduled repair in four simple steps. No shop visit needed.
Call Us for a Quote
Tell us what is going on with your vehicle. We figure out the repair and send you a clear invoice showing parts and labor as separate line items. No guesswork.
Review and Approve
Look over the invoice. Ask questions. When you are ready to move forward, give us the green light. No pressure, no deposit until you agree.
Pay in Installments at Checkout
Payment is required upfront so we can order your parts. At the payment step, choose Affirm, Klarna, or Afterpay. The provider shows you your exact installment options right then and there.
We Order Parts and Come to You
Your payment clears, we source the parts, and a licensed tech shows up at your location. The payment plan provider handles your payment schedule from here. You just drive.
When Do You Actually Pay?
Here is a visual breakdown of what your payment calendar looks like with each provider.
Pay in 4 (bi-weekly)
0% interest. Example based on a $300 repair.
Week 0
At checkout
Week 2
Week 4
Week 6
Monthly installments
Example based on a $500 repair, 12-month term at 0% APR.
Afterpay and Klarna Pay in 4: 0% interest, 4 bi-weekly payments. Affirm: 0 to 36% APR based on credit approval. All estimates. Actual amounts vary by invoice total.
Which Provider is Right for You?
All three are accepted. Here is what makes each one different.
Monthly installments over 3 to 36 months
Affirm is great for bigger repairs where you want to stretch payments over several months. Pick a term that fits your budget and get an instant decision.
$500 repair
12 payments of $42
at 0% APR with eligible credit
- Rates from 0 to 36% APR based on credit
- Terms from 3 to 36 months
- Soft credit check, no score impact
- Instant approval decision
- No prepayment penalties
Best for: Major repairs over $300
Pay in 4 interest-free installments
Klarna splits your invoice into 4 equal payments every 2 weeks. Zero interest, zero extra fees, zero stress. First payment is due at checkout.
$300 repair
4 payments of $75
every 2 weeks, 0% interest
- 4 payments spread over 6 weeks
- 0% interest, always
- No hard credit check
- First payment at checkout
- Manage everything in the Klarna app
Best for: Any repair from $50 to $2,000
4 payments, zero interest, zero stress
Afterpay is the simplest option. Split your repair into 4 automatic bi-weekly payments. First one at checkout, done in 6 weeks.
$400 repair
4 payments of $100
every 2 weeks, 0% interest
- 4 automatic bi-weekly payments
- 0% interest if paid on time
- Instant approval
- No application or hidden fees
- Works on any repair up to $2,000
Best for: Repairs up to $2,000
What Could Your Repair Cost Per Month?
Real examples with parts and labor included. Pick the column that fits your budget.
| Service | Est. Total | Afterpay Pay in 4 | affirm 12 months |
|---|---|---|---|
| Oil Change + Labor | $89+ | 4 x $22 | ~$8/mo |
| Front Brake Pads + Labor | $179+ | 4 x $45 | ~$15/mo |
| Full Brake Job (pads + rotors) | $349+ | 4 x $87 | ~$30/mo |
| Battery Replacement + Install | $189+ | 4 x $47 | ~$17/mo |
| Engine Tune-Up | $299+ | 4 x $75 | ~$27/mo |
| Major Repair (parts + labor) | $599+ | 4 x $150 | ~$52/mo |
All estimates include parts and labor. Afterpay and Klarna Pay in 4: 0% interest, 4 bi-weekly payments. Affirm: 0 to 36% APR based on credit. Actual amounts vary.
Parts AND Labor, Both Covered
This is the part most people do not realize
When you pay your Simply Fixed invoice through a payment plan provider, the full amount is covered. The brake rotors, the pads, the caliper, AND the technician time. One invoice. One plan. No splitting parts from labor.
Parts sourced
OEM-quality components for your specific year, make, and model.
Labor included
Technician time, expertise, and shop supplies.
One total, one plan
Finance the complete job. Nothing excluded.
Questions We Get a Lot
How does the payment process actually work?
Here is the real flow: you call us, we give you a quote, then we send an invoice. When you are ready to go, you pay that invoice and at that payment step you can choose Affirm, Klarna, or Afterpay. The provider covers your full invoice and works out the installment schedule with you directly. We receive full payment, order your parts, and schedule the service.
Do I have to pay before the work is done?
Yes, payment is required upfront, especially when parts are involved. We need to order the right parts for your vehicle before we can schedule the appointment. Think of it like ordering a custom part at a shop: you pay to get the order placed, then the work happens.
Does the payment plan cover both parts AND labor?
Yes. You are paying a single invoice that includes everything. The payment plan provider covers that full invoice amount, which includes parts, labor, and any applicable fees. You repay the provider on your installment schedule, not us.
How fast is payment plan approval?
Affirm, Klarna, and Afterpay all give instant decisions, typically under 60 seconds. They will ask for basic info like your name, email, phone number, and date of birth. Answer a few questions and you get a decision right away.
Will choosing a payment plan affect my credit score?
Affirm uses a soft credit inquiry that does not impact your score. Klarna and Afterpay's Pay in 4 products typically do not run a hard credit check. Each provider has their own policy and you can review it when you select them at checkout.
Can I use this if my car broke down today?
Yes. Call us, we will assess what you need and get a quote out fast. You pay in installments right away, we get the parts ordered, and we schedule same-day or next-day service depending on part availability. The payment step adds very little time to the process.
Can I pay off the payment plan early?
No prepayment penalties with any of the three providers. Pay off your balance early and you save on any remaining interest.
Do Not Let Cost Delay a Repair
Brake problems do not get cheaper when you wait. A manageable $50 a month today beats an emergency tow and repair tomorrow.
We come to you. You pick the payment plan. Same-day service available across Miami-Dade and Broward.