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At McPhail Auto, we understand that car repairs can be unexpected and costly. To help you manage these expenses, we offer flexible and convenient auto repair financing options. Our Easy Monthly Payments (EMP) program ensures that you can get your vehicle back on the road without financial stress.
Easy Monthly Payments (EMP) is a unique repair financing solution that allows you to leverage the value of your vehicle to pay for necessary repairs. With EMP, loans are instantly approved based on the value of your vehicle without requiring any credit checks or income verification. This hassle-free financing option lets you repay the loan over 36 months, with the flexibility to pay off the balance early without any penalties.
Instant Approval: Loans are approved instantly based on the value of your vehicle, eliminating the need for lengthy credit checks or income verification processes.
Flexible Repayment Terms: Repay your loan conveniently over 36 months with manageable monthly payments that fit your budget.
No Early Payment Penalties: You have the option to pay off your loan early or make lump sum payments whenever you have surplus cash, without any additional fees or penalties.
No Credit Check Required: Your credit score is not a factor in the approval process, making EMP an accessible option for everyone.
Cost-Effective: Spread the cost of repairs over time, making it easier to manage your finances without the burden of a large lump sum payment.
Online Calculator: Use our online calculator to submit your vehicle information and determine its value.
Calculate Loan Amount: The calculator will find the maximum loan amount available, which is up to 50% of your vehicle’s current value.
Monthly Payment Estimation: Convert the total repair cost into a manageable monthly payment plan.
Register Online: Securely enter your details and find the closest McPhail Auto location.
Get a Final Quote: Receive a final quote for your repairs and financing options.
Finalize Agreement: Sign the repair invoice and finalize the EMP agreement.
Automatic Payments: Set up automatic monthly payments from your account, ensuring a hassle-free repayment process.
At McPhail Auto, we are committed to providing our customers with the best possible service and support. Our EMP program is designed to make auto repair financing simple, affordable, and accessible. Here’s why you should choose us:
Experienced Technicians: Our skilled technicians provide high-quality repair services to get your vehicle back in top condition.
Transparent Pricing: We offer clear and upfront pricing, so you know exactly what to expect.
Customer Satisfaction: We prioritize customer satisfaction and work hard to ensure you have a positive experience with us.
The maximum loan amount is up to 50% of the current value of your vehicle. This amount is determined during the pre-approval process using our online calculator.
No, EMP does not require a credit check or income verification. Approval is based solely on the value of your vehicle.
Yes, you can pay off your loan early or make lump sum payments at any time without any penalties.
Interest rates vary based on the value of your vehicle and the total loan amount. We provide clear and transparent information about interest rates during the final quote process.
Monthly payments are set up automatically from your account, ensuring a hassle-free repayment process.
Don’t let the cost of car repairs hold you back. Apply for the Easy Monthly Payments (EMP) program at McPhail Auto today and enjoy flexible, cost-effective financing options.
Visit McPhail Auto in Hamilton, ON, or contact us to learn more about our auto repair financing options and how we can help you get back on the road.