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Financing

Drive Now, Pay Later

No Credit Check · $0 Down · 5-Minute Approval

Finance your auto repairs, premium tire packages, and routine maintenance in Ottawa with flexible weekly, bi-weekly, or monthly payments—no credit check required.

Financing Requirements: What You Need to Qualify

Approval takes just 5 minutes. To get approved instantly, you just need:

  • Vehicle must be less than 10 years old
  • Valid Driver’s License
  • Valid vehicle insurance slip
  • Valid vehicle ownership
  • Valid bank account void cheque or direct deposit form

How Buy-Now-Pay-Later Financing Works at Janex

No Credit Check Required

We know unexpected breakdowns happen. For our primary financing options, no credit check is necessary. Your vehicle dictates your credit limit. With some basic personal information and your vehicle documents, you can get your car fixed with no out-of-pocket expense today.

What You Can Finance

At Janex Auto Service, you can finance major engine work, specialized German auto maintenance, new tire packages, suspension repairs, and more. We don’t tie up your credit worthiness by issuing complex ‘lines of credit’. Our goal is simple: get your vehicle running safely and get it paid off quickly.

Fast & Simple Approval

Everything is processed quickly and securely via the internet. We only need your vehicle’s information and the estimated cost of your repair or tires to pre-qualify you. Approval is confirmed with a quick email right in our waiting room.

Full Transparency: Our Financing Partners

Every program below requires $0 down, and all of our loans are Open Loans—meaning you can pay them off early with zero prepayment penalties!

LenderCredit CheckDown PaymentBest For
EasiFixNone$0Lowest rates and fast approvals for major repairs
AutoLoanIQNone$0Alternative fast-approval option
Pearl FinancingNone$0Higher limits for extensive German auto repairs
AffirmSoft pull$0Short-term payment plans to build credit
KlarnaSoft pull$0Pay-in-4, 0% interest if paid on schedule

(Note: Speak with our service advisors to find the exact rate and partner that fits your specific repair cost).

Why We Publish Our Options

Most repair shops wait until you’re stressed at the front desk to discuss the bill. As an OMVIC-Certified auto shop, Janex Auto Service values complete transparency. We want you to shop with your eyes open so you can make the best decision for your vehicle and your wallet.

Auto Repair Financing FAQ

Do you check my credit?

For our primary lending partners, no credit check is required. The approval is based on the value of your vehicle. Soft pulls are only used if you choose to go through the Affirm or Klarna apps.

Payments are automatically deducted from your bank account via the void cheque or direct deposit form you provide during setup.

Approval amounts vary based on the year, make, and model of your vehicle. Because we specialize in German and premium brands (Audi, BMW, Mercedes, Porsche), your vehicle’s retained value often allows for higher approval limits to cover extensive repairs.

No! All of our financing programs require $0 down today. Ask us about our seasonal 90 Days No Payments offers as well!

We offer flexible schedules to align with your payday. You can choose weekly, bi-weekly, or monthly payment schedules.

Ready to Finance Your Repairs or Tires?

Don’t delay essential maintenance or safety repairs. Apply today or visit our Ottawa shop to discuss your financing options in person with one of our expert service advisors.

📍 3190 Hawthorne Rd #4, Ottawa, ON K1G 5H5

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