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Payment Plans for Everyone
Finally, payment plan solutions for all credit types! We even have options
if you’re just starting your credit history!
WHY USE THE PAYTOMORROW PLATFORM
NO CREDIT* TO PERFECT CREDIT
We care about you, not your credit history. Even if you’ve had a range of credit scores or credit ups and downs, apply on the PayTomorrow platform, well, today! Don’t worry, you won’t hurt your credit score by applying, even multiple times.
THE PERFECT (LENDER) MATCH
PayTomorrow is an innovative platform that matches you with the right lender based on your unique needs. When you apply, we will evaluate your credit profile and find a lender with the best financing option for you! That means you don’t have to spend time applying for multiple lenders. Best of all, applying to PayTomorrow won’t impact your credit score!
WHY USE THE PAYTOMORROW PLATFORM
NO CREDIT* TO PERFECT CREDIT
We care about you, not your credit history. Even if you’ve had a range of credit scores or credit ups and downs, apply on the PayTomorrow platform, well, today! Don’t worry, you won’t hurt your credit score by applying, even multiple times.
THE PERFECT (LENDER) MATCH
PayTomorrow is an innovative platform that matches you with the right lender based on your unique needs. When you apply, we will evaluate your credit profile and find a lender with the best financing option for you! That means you don’t have to spend time applying for multiple lenders. Best of all, applying to PayTomorrow won’t impact your credit score!
Benefits of PayTomorrow
Easy Application &
Instant Evaluations
Answer some simple questions to get started. Don’t worry, applying won’t affect your credit score. Then get results right away!
Get Pre-Approved
You can apply from the privacy of your own home before coming into our Store.
Multiple Lenders
One application will evaluate multiple lenders and find the best match for you.
Affordable Monthly Payments
Buy confidently with transparent terms, no prepayment penalties, and automatic payment options.
HOW IT WORKS
The PayTomorrow platform is as easy as 1-2-3! Follow the steps below and you’ll be on your way to getting your car serviced in no time!
1. TAKE THE FIRST STEP
Click the link to start the application process. All you have to do is enter some information about yourself.
You can also visit your local Store where a Teammate will direct you to application QR code to get started!
Applying has no impact on your credit score, PayTomorrow makes it easy to find financing options that work for you.
2. INSTANT EVALUATION & LENDER MATCH
Once your application is completed, you’ll receive an immediate response from PayTomorrow. We’ll review a marketplace of lenders and match you with the best one based on your individual needs. If approved, you’ll be provided with a spending limit!
3. VISIT KEN TOWERY
- Visit your local Store
- We’ll find your approval in our system and enter some information about your vehicle’s service.
- Check your phone to review and sign your payment plan agreement!
THE LINEUP OF LENDERS
Excellent to Great Credit
Bread Pay is a financing solution that helps you make online and in-store purchases with easy, pay-over-time payments. Bread Pay products include Bread Pay Installment Loans, which are monthly financing plans that offer terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on things like eligibility and credit quality. With Bread Pay, there are no origination fees or prepayment penalties!
Why Bread Pay?
- Fast Application: Get a decision in real-time
- Not a credit card: Know what you owe with set payments
- Straight forward pricing: No prepayment penalties. No deferred interest.
- Automatic payments: Never miss a payment by enrolling in AutoPay.
How Bread Pay Works:
- Scan Apply Now QR code (or hit Apply Now if that is available)
- Fill out application
- Tell a Monro team member you are ready to pay with Bread
- Select your repayment plan
- Sign agreement from your phone and make initial payment
- Drive home safely
Bread Pay Requirements
If you’re a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply — provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address. Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.
Good to Average Credit
PayTomorrow serves good to average credit profiles, as well as emerging and rebuilding credit profiles. We provide customized payment plans tailored specifically for you! Shop tires, wheels, mufflers, even use for repairs and maintenance- all things auto! Spread out your payments up to 24 months.
Why PayTomorrow?
- Affordable repayment terms that get you back on the road today
- Get approved in seconds and know your max spending amount- up to $5,000
- 90-day early buyout options to save on overall cost.
- In house customer service team to answer all questions PayTomorrow
- Does not affect your credit to apply
How PayTomorrow Works
- Scan Apply Now QR code (or hit Apply Now if that is available)
- Fill out application
- Tell a Monro team member you are ready to pay with PayTomorrow
- Select your repayment plan
- Sign agreement from your phone and make initial payment
- Drive home safely
PayTomorrow Requirements
- Be at least 18 years old
- Have a cell phone number
- Have a regular source of income
- Provide a valid identification document
Low to No Credit*
Whether you’re thriving financially or have less-than-perfect credit, our payment plan is designed to fit you right where you are. Get lease-to-own tires, wheels, batteries, wipers, and more (with related labor and installation) with easy weekly payments. You can own your products in 12 months or less!
Why FlexShopper
1. Accessibility
- Quick, easy, and free application with a possible spending limit of up to $2500
- Applying doesn’t affect FICO credit score
- Decision in seconds
2. Convenience
- Pay as you go and drive off safely
Financial Flexibility
- Easy weekly payments with ownership in 12 months or less
- 90 days same-as-cash price option + $50 (see lease for details)
- Savings with early payment options after 90 days (see lease for details)
How FlexShopper Works:
- Scan Apply Now QR code (or hit Apply Now if that is available)
- Fill out application
- Tell a Monro team member you are ready to pay with FlexShopper
- Select your repayment plan
- Sign agreement from your phone and make initial payment
- Drive home safely
FlexShopper Requirements:
To apply, you must:
1. Be at least 18 years old (may vary by state)
2. Have a valid SSN or ITIN, phone number, and address
3. Have a current source of income
4. Reside in the U.S. (not all offerings are available in all states)
5. Have a valid checking account in good standing
6. Provide employment information (status of employment and employer name)
*All credit profiles considered. Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with not so perfect credit get goods they want through a payment offer that works for you.
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