Can't cover the full repair cost upfront? Submit one quick application and get matched with dozens of lenders at once. All budgets and credit levels invited.
When you choose to finance, a 3.99% financing fee applies to the cost of the mechanical service — not to the total amount approved by the lender. If you pay without financing, this fee does not apply. Example: approved for $10,000 with a $3,000 repair — the fee is calculated on the $3,000, which comes to $119.70.
One application, dozens of lenders and credit card options, and a decision in seconds — see how it works at MCS.
One application is submitted to our full lender network at the same time — so you see the offers you actually qualify for, side by side, without filling out form after form.
100% secure application. Your information is transmitted over an encrypted SSL connection and shared only with the lending partners reviewing your request.
Besides financing through the banks, we also work with a large network of credit card options — including cards with 0% promotional interest. Talk to our team and we'll help you find the best fit for your situation.
Prefer to go directly to a specific provider? These options are also accepted at our Orlando shop — apply with any of them in minutes.
Split your repair into 4 interest-free payments, or choose monthly installments and see your total cost upfront — no hidden fees and no late fees. A quick eligibility check shows what you qualify for with no impact to your credit score.
Get promotional financing on your repair with the Synchrony Car Care credit card. Check if you prequalify with no impact to your credit score — instant decision online.
Snap Finance approves up to $5,000 for your auto repair. Designed to help customers with all types of credit backgrounds — including no credit or past issues.
Fast, mobile-first financing for auto repairs. Apply online or start instantly by text — no app needed. Flexible payment options based on your approval.
EasyPay is a lease-to-own solution — get your vehicle repaired today and make flexible scheduled payments over time. A great option when traditional credit financing isn't the right fit.
Financing is provided by independent third-party lenders. Approval, loan amount, rate and terms are subject to each lender's underwriting criteria and your credit and financial profile — they are not guaranteed. Advertised rates starting at 4.99% APR and loan amounts up to $100,000 represent the best available terms across the lender network and are not available to all applicants. Pre-qualification uses a soft credit inquiry that does not affect your credit score; a hard inquiry may occur if you accept an offer and proceed with a lender. Funding timelines vary by lender and by verification of requested documentation. MCS Mechanical is not a lender and does not make credit decisions.
Financing fee: when a mechanical service is paid for using financing, MCS Mechanical applies a financing fee of 3.99%. The fee is calculated on the price of the mechanical service only — not on the total funds approved by the lender — and is not charged on purchases made without financing. This fee is in addition to any interest and charges assessed by your lender. Credit card options, including cards advertised with 0% promotional interest, are issued and underwritten by third-party card issuers; promotional periods, credit limits, rates and terms are set by the issuer and subject to approval. 0% promotional interest refers to interest only and does not mean the card carries no fees.
Other partners: Affirm — payment options are subject to an eligibility check, may not be available in all states, and are provided by Affirm's lending partners (affirm.com/lenders); rates from 0–36% APR based on credit, Pay in 4 is 0% APR, and a down payment may be required. Synchrony — 6-month promotional financing on purchases of $199+; subject to credit approval; gas station purchases excluded. Snap Finance — approval amounts from $300–$5,000; terms depend on underwriting criteria. 1stMILE — standard carrier message and data rates may apply; must be 18+. EasyPay — lease-to-own arrangement, not a loan.
MCS Mechanical is Orlando’s specialist in engine and transmission warranty approvals. We help drivers get what their coverage promises — through strategic diagnosis, professional documentation, and direct adjuster communication. Authorized by AGWS, NVP, Smart Autocare, and 5+ leading warranty providers.
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