Financing Options | Auto Repair Financing

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Car maintenance and repair costs add up quickly, with the typical driver spending nearly $2,000 a year to keep their car running smoothly. If you’re not prepared, those costs could put a big dent in your budget or create a financial emergency. Although paying cash is your most affordable auto repair financing option, we have another option.

Text DDERM to (844) 223-8937 to receive an application to finance your repairs.

To learn more about the financing options we offer, click here.

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frequently answered questions

Can I pay off my items early?

Yes!
How do I make payments?

West Creek will deduct your regularly scheduled payment from the bank account you choose.
How do you decide to approve a customer?

West Creek has industry-leading approval rates. We understand that you are more than just your credit score. We look at your application and cross-check the information you provide us with data providers and credit bureaus to determine if you get approved and the approval amount.
How long does the approval process take?

Applications are considered right on the spot and approvals usually take less than 10 seconds.
How much can I be approved for through West Creek?

Customers may be approved from $500 – $3,000. Amount of approval depends on factors including income, banking history, length of employment and verification of contact information.
If I don’t have a job, can I still apply?

Yes. West Creek encourages anyone to apply if you have an income from a reliable source such as Social Security, retirement or pension.
Is there an application or processing fee?

At the time of application, a small hold ($10-$40) will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released.
What are the requirements for an approval with West Creek?

You must be 18 years of age or over, have a current bank account, a debit card and a monthly income of at least $1,000 from a reliable source such as a job or Social Security.
What if I have questions during the application process or after I’m approved?

We’re always happy to help. Please call West Creek at (844) 937-8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday.
What will my payment size be?

Your payment will be determined by your payment frequency and the cost of the item you are purchasing.
Can I make unscheduled payments, and what is the process?

You can make unscheduled payments at any time. In order to do so, you can contact our Customer Service Team at (844) 937-8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday, or click the sign in link in the navigation bar to visit your customer portal. Making additional payments does not eliminate your regularly scheduled payments.
Do you have a return policy?

Yes, you can contact our Customer Service Team at (844) 937-8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday for more information.