Auto Repair Financing Sacramento CA | Bad Credit OK | AAMCO
Independently owned & operated • Nationwide warranty • Sacramento, CA
(916) 422-3550 Schedule Appointment
SACRAMENTO, CATotal Car Care
(916) 422-3550
Financing Options

Fast, Easy Payment Plans.Even With Little or No Credit.

An unexpected repair shouldn't break the bank. AAMCO Sacramento offers financing programs that let you get the fix taken care of now and pay over time. Pre-qualify in seconds with no impact to your credit score.

Soft credit check60-second applicationDecision in seconds
No credit score impact to check
One application, multiple lenders

We Put the CARE Back in Car Care

Keep your savings intact and get back on the road today.

  • Cover transmission, brakes, A/C & major repairs
  • Flexible monthly or weekly payment options
  • Options even if you have little or no credit
  • Apply from your computer, phone, or in the shop
A Reviewed by the AAMCO Sacramento Service Team · Updated June 12, 2026

AAMCO Sacramento offers fast, easy financing for transmission rebuilds, brake service, A/C repair, engine diagnostics, and all general auto repairs. Pre-qualifying takes about 60 seconds, uses a soft credit pull with no impact to your credit score, and routes one application across multiple financing providers - including options for customers with little or no credit. Most applicants get a decision in seconds.

PLAN YOUR PAYMENTS

Estimated Payment Calculator

Slide to your estimated repair cost and see what your payments could look like.

Estimated Repair Cost
$1,500
$200$10,000
Multiple Options, Regardless of Credit
ESTIMATED MONTHLY1
$83/mo
Sample based on an 18-month term
Multiple Options, Regardless of Credit
ESTIMATED WEEKLY2
$63/wk
Sample weekly payment estimate

1,2 Estimates only. Not an offer, approval, or guarantee of credit. Actual terms, rate, and payment depend on the lender and your application. See disclosures below for details.

How Auto Repair Financing Works

One quick application connects you to multiple financing providers. No juggling separate forms, no guesswork.

  1. Apply in Minutes

    Complete one short, secure application from your phone, computer, or in our shop. It only takes a few minutes.

  2. See Your Options

    Your application is routed across multiple financing providers automatically. Uses a soft pull, so there's no impact to your credit score.

  3. Get Back on the Road

    Review the options you may qualify for, pick what works for you, and let our certified technicians handle the rest.

Auto Repairs You Can Finance

From major transmission work to everyday maintenance. Finance the repairs that keep you moving.

  • ✓
    Transmission Repair & Rebuilding Automatic, manual & CVT rebuilds, clutch & fluid service
  • ✓
    Brake Service Pads, rotors & full brake systems
  • ✓
    A/C & Cooling Air conditioning service & repair
  • ✓
    California Smog Check Test & repair to pass CA emissions
  • ✓
    Check Engine & Diagnostics Computer scans, electrical & drivability fixes
  • ✓
    Maintenance & Tune-Ups Oil, belts, hoses, batteries & scheduled service

What Our Customers Say

Real reviews from AAMCO Sacramento customers across the Greater Sacramento Area.

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Auto Repair Financing FAQs

Everything you need to know about pre-qualifying and applying for auto repair financing in Sacramento.

Can you finance auto repairs with bad credit in Sacramento?+
Yes. AAMCO Sacramento offers auto repair financing through a network of lenders that covers a wide range of credit profiles, including options for customers with little or no credit. One application is routed across multiple financing providers automatically. Pre-qualification uses a soft credit pull with no impact to your credit score.
How much does a transmission rebuild cost in Sacramento, CA?+
Transmission rebuild costs in the Sacramento area typically range from $2,500 to $4,500 depending on the vehicle, the extent of damage, and whether a rebuild or remanufactured unit is used. AAMCO Sacramento provides a free diagnostic and a written estimate before any work begins, and financing is available to spread the cost into weekly or monthly payments.
What credit score do you need to finance auto repairs?+
There is no single minimum credit score. The financing application is routed across multiple lenders covering a wide range of credit profiles. Applying lets you see the options you may qualify for before deciding whether to move forward, with no impact to your credit score to check.
Does AAMCO Sacramento offer payment plans for car repairs?+
Yes. AAMCO Sacramento offers payment plans through third-party financing providers. Customers can choose weekly or monthly payment options after pre-qualifying. The AAMCO Synchrony Car Care credit card is also available as a separate option with promotional financing on qualifying purchases.
Will checking my financing options affect my credit score?+
No. Pre-qualifying uses a soft credit pull, so you can check your buying power in seconds with no impact to your credit score. You only see the options you may qualify for before deciding whether to move forward with a full application.
How does the multi-lender financing application work?+
You complete one short application and it is automatically routed through multiple financing providers in sequence. Instead of filling out separate forms for each lender, one application checks your options across many lenders at once. Most applicants receive a decision in seconds.
How fast will I get a financing decision?+
Most applicants receive a decision in seconds. The streamlined application is designed to give you a fast, clear answer about your options so you can plan your repair without delay.
Is my information secure when I apply for financing?+
Yes. Your data is encrypted before transmission and stored securely in accordance with industry standards. Your information is protected and is not sold for other uses.
Can I apply for auto repair financing from home before I come in?+
Yes. You can pre-qualify from home, on any device, before or during your visit. This lets you shop for the repairs and services you need with confidence about your purchasing power.
What types of auto repairs can I finance at AAMCO Sacramento?+
You can finance transmission repair and rebuilds, brake service, A/C and cooling system repair, engine diagnostics, electrical work, scheduled maintenance, and all general auto repairs. Financing covers both major repairs and routine maintenance at AAMCO Sacramento.
How much can I finance for an auto repair?+
Financing amounts vary by lender and applicant. Many lenders in the network offer financing from a few hundred dollars up to $10,000 or more. The specific amount you may qualify for is determined by the lender based on your application and creditworthiness.
How long does it take to repay my auto repair financing?+
Repayment terms vary by lender and the financing product you choose. Standard installment loans commonly offer terms from 6 to 24 months, while other products like lease-to-own offer weekly payment schedules. The exact term will be disclosed by the lender before you sign.
What documents do I need to apply for auto repair financing?+
Most lenders ask for basic information such as your name, address, date of birth, contact information, employer or income source, and Social Security number for identity verification. You can complete the entire pre-qualification process online without uploading documents.
Is there a fee to pre-qualify or apply?+
No. AAMCO Sacramento does not charge a fee to pre-qualify or apply for financing. Any fees, interest rates, or other charges associated with the financing product are determined by the participating lender and disclosed before you sign any agreement.
Can I use auto repair financing for an emergency repair?+
Yes. Auto repair financing is designed for unexpected repairs as well as planned services. Because most applicants get a decision in seconds, you can pre-qualify, get approved, and begin the repair the same day in many cases.
What is the difference between pre-qualification and a full application?+
Pre-qualification uses a soft credit pull to show you the options you may qualify for, with no impact to your credit score. If you decide to move forward, you continue to a full application to see whether you're approved. The participating lender discloses all terms and requirements before you sign any agreement.

Prefer a Credit Card?

A good option for customers with 'good' to 'excellent' credit.

AAMCO Synchrony Car Care™ Credit Card

A separate offering from Synchrony Bank.

Fees: No annual fee† credit card / No application fee / $0 fraud liability
Available credit lines: up to $15,000
Program benefits
  • 6 months promotional financing on purchases of $199–$749.99*
  • 12 months promotional financing on purchases of $750+*
  • Accepted at participating AAMCO locations and over 500,000 auto parts and service businesses.**
  • Use your card to fuel up at 200,000+ stations nationwide across all major gas brands.**
See If You Pre-Qualify Apply Now

*,† A Promo Fee does not apply to this offer. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Gas station purchases are not eligible for Promotional Financing.

** Subject to credit approval. Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico.

Visit AAMCO Sacramento

Our Address6441 Franklin Blvd
Sacramento, CA 95823
Hours
Monday – Friday8:00 AM – 5:00 PM
Saturday – SundayClosed

Proudly Serving Drivers Across the Greater Sacramento Area

SacramentoFlorinParkway Elk GroveWest SacramentoLand Park Oak ParkMeadowviewFreeport Rancho Cordova

Ready to Get Started?

See what you may qualify for in seconds with no impact to your credit score.

Important Disclosures

General Disclosure. AAMCO Sacramento, CA does not make loan offers, but pairs potential borrowers with lenders and lending partners. AAMCO Sacramento, CA is not a lender, does not make credit decisions, broker loans, or make personal cash loans. AAMCO Sacramento, CA does not charge fees for these services and products and does not represent or endorse participating loan lenders (third party lenders) or lending partners, services, or products. AAMCO Sacramento, CA does not guarantee that completing an application or inquiry form will result in you being paired with a lender or lending partner or being approved for a loan. Credit checks or consumer reports may be performed by lenders or lending partners from credit bureaus or other providers of credit information. You are not obligated to use this site and are not obligated to contract with any third-party lender, lending partner, or service provider. This content is intended for informational purposes only and should not be construed as legal advice. All information and disclosures above have been provided by each respective lender; AAMCO Sacramento, CA does not accept responsibility or liability for its accuracy, completeness or legality.

Pre-Qualification. Pre-qualification uses a soft credit inquiry, which does not affect your credit score. A single application may be routed to multiple financing providers. Pre-qualification and applying do not guarantee that you will be approved for financing, nor do they guarantee any specific rate, term, amount, or payment. Approval, credit limits, interest rates, and terms are determined solely by the participating lender(s) based on your application and creditworthiness.

Financing Platform. The financing platform that routes applications across lenders is provided by LendPro, a SaaS finance orchestration platform. LendPro is not a lender.

1 Estimated Monthly Payment. The monthly figure shown by the calculator is an illustrative estimate only and is not an offer or guarantee of credit, a specific rate, term, or payment amount. Monthly estimates are based on a sample 18-month repayment term and do not include interest, taxes, fees, or other charges that may apply. Actual costs, payments, terms, and total amount paid will vary by lender and by the financing product you select and are disclosed to you by the lender before you complete any agreement.

2 Estimated Weekly Payment. Weekly estimates are calculated using a sample lease-to-own style factor (retail price × 2.2 ÷ 52) and represent a total-of-payments estimate, not an interest rate or APR. Lease-to-own and similar products available through participating providers may have a total cost significantly higher than the cash price of the repair. Customers are encouraged to review all terms with the provider before signing. Calculator results are not financial advice.

Synchrony Car Care™ Credit Card. The AAMCO Synchrony Car Care™ Credit Card is issued by Synchrony Bank and is a separate offering subject to that issuer's terms and credit approval. AAMCO Sacramento, CA does not determine the terms, promotional offers, or approval criteria for the Synchrony Car Care card.

*,† Synchrony Promotional Financing. A Promo Fee does not apply to this offer. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Gas station purchases are not eligible for Promotional Financing.

** Synchrony Acceptance. Subject to credit approval. Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico.