More Ways to Pay for the Auto Care You Need.

Unexpected repairs can happen at the worst time. GreatWater offers multiple ways to pay over time, so you can get the work your vehicle needs now and manage the cost in a way that that fits your situation.

Whether you have strong credit, are building credit, or are concerned about qualifying for a credit card, you may still have options.

GreatWater technician reviewing repair options with a smiling customer in the shop
3 flexible ways to pay
Choose the option that fits your situation.

Choose the Payment Option That Fits Your Situation.

Every customer’s financial situation is different. That is why GreatWater offers multiple ways to pay over time, including credit card financing through Synchrony and additional payment options through Koalafi and American First Finance.
Start with the option that feels right for you, or ask your local shop team for help understanding what is available.
GreatWater Credit Card powered by Synchrony Car Care

GreatWater Credit Card

Powered by Synchrony Car Care
For customers who qualify, the GreatWater Credit Card offers a convenient way to pay over time for eligible repairs, tires, maintenance, and services.
Promotional financing options available
Quick prequalification
Convenient monthly payment option for eligible purchases
Koalafi

Koalafi

Koalafi offers a lease-to-own payment option that may help customers get what they need now and make payments over time, even if traditional credit card financing is not the right fit.
Available in Illinois, Iowa, Missouri, Ohio, Kentucky, and Texas
Built for customers with limited, no, or rebuilding credit
Make payments over time with a lease-to-own option
American First Finance

American First Finance

American First Finance offers additional payment options that may help customers with different credit backgrounds get eligible repairs, tires, maintenance, and services while paying over time.
Available in Michigan, Indiana, Minnesota, and Wisconsin
No-credit-needed payment solutions
Lease-to-own or installment-style options may be available
Shop finder

Don’t Put Off the Work Your Vehicle Needs.

Small vehicle issues can become bigger problems when they are delayed. Payment options can help make needed repairs, maintenance, and tires more manageable, so you can keep moving with confidence.

Whether you need brakes, tires, diagnostics, engine work, or routine maintenance, your local GreatWater shop can help you understand your options and get started.

Payment Options FAQ

Are Koalafi and American First Finance credit cards?

No. The GreatWater Credit Card is a credit card issued by Synchrony. Koalafi and American First Finance offer alternative payment options that may help eligible customers pay over time.

Do I need perfect credit to explore payment options?

No. GreatWater offers multiple payment options for different credit situations. If traditional credit card financing is not the right fit, Koalafi or American First Finance may offer another path.

Which payment option should I try first?

If you are interested in credit card financing, you can start with the GreatWater Credit Card. If a credit card is not the right fit, or if you are concerned about qualifying, you can explore additional payment options through Koalafi or American First Finance.

What is lease-to-own?

Lease-to-own allows eligible customers to get needed products or services now and make payments over time. Ownership terms, payment schedules, costs, and early purchase options vary by provider, so customers should review the full agreement before accepting.

Can I use payment options for repairs and maintenance?

Payment options may be available for eligible repairs, maintenance, tires, and other services. Availability may vary by provider, approval, service type, and shop location.

What if I already know I have credit challenges?

You may still have options. Koalafi and American First Finance may be available for customers with different credit backgrounds or those who are concerned about qualifying for traditional credit card financing.

Can my local shop help me understand my options?

Yes. Your local GreatWater shop team can help direct you to available payment options so you can choose the path that works best for your situation.

Your Next step

Ready to Explore Your Payment Options?

Get the repairs, tires, maintenance, or service your vehicle needs without putting it off. Explore available payment options or contact your local GreatWater shop for help getting started.
Smiling GreatWater technician holding a tire, framed by the GreatWater shield