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SHFT

For drivers

Fix your car. Keep room in your budget.

Split your repair bill into smaller payments, so you don’t have to pay it all today. Apply through your shop with no hard credit check.

See how it works Questions? Talk to us
A driver with car keys beside a vehicle

Why drivers choose SHFT

Simple to apply

Use your shop’s secure link or QR code. Applying uses a soft credit check that won’t lower your credit score.

Payments that fit your budget

If approved, choose from monthly payment plans. Eligible customers can get 0% APR options.

Keep cash for everyday life

Make your first installment at checkout, then spread the rest over time.

Approval is required. Available plans and APR vary.

How it works

See your options before you decide.

Apply through your repair shop. If approved, compare plans, review the terms, and choose what works for your budget.

  1. 01

    Apply through your shop

    Open your shop’s secure link, scan its QR code, or apply on the shop’s device. Applying uses a soft credit check, not a hard credit check.

  2. 02

    Compare your options

    If approved, compare the payment amounts, schedule, and APR for the plans available to you.

  3. 03

    Choose your plan

    Pick the option that works for your budget. Review every term before you sign the agreement.

  4. 04

    Complete checkout

    Make your first installment at checkout. Pay the rest on the schedule in your agreement.

Driver FAQ

What to know.

Ask your shop about SHFT.

Your shop can help you get started.

Have a question?