Affordable Payment Plans • No Surprises • Fast Approval
Financing Made Easy for Gemba Automotive Customers
At Gemba Automotive, we understand that unexpected auto repairs or major maintenance can put a strain on any budget. That’s why we offer flexible, transparent financing solutions—so you can get the work your vehicle needs today without waiting weeks to save up. Our financing partners provide competitive rates, no hidden fees, and easy online or in-shop applications.
How Our Financing Works
- Select Your Service
From a simple oil change to a high-complexity engine rebuild, let our team walk you through the recommended repairs and total cost estimate. - Choose a Payment Plan
- 0% APR Promotional Financing (for qualified applicants on approved repairs over $500)
- Low-Interest Repair Loans (terms from 6 to 36 months)
- Deferred Payment Options (no payments for 30 days on larger jobs)
- Apply Online or In-Shop
• Online Application: Visit our financing portal at any time. Fill out your basic information (name, address, income details, etc.) and submit.
• In-Shop Application: Ask any Gemba Automotive advisor at check-in, and we’ll guide you through a quick paperless application on our tablet. - Review & Sign
You’ll see exactly what you’re paying—principal, interest rate (if applicable), and length of term—before you commit. - Schedule Your Appointment
Once approved, pick the best date and time to drop off your vehicle. We’ll keep you informed every step of the way.
Financing Partners & Terms
We work with reputable lenders who specialize in auto repair financing, ensuring you receive competitive rates and flexible terms:
1. EasyPay Finance
Looking for a hassle-free way to manage your finances and make the purchases you need? EasyPay Financing has got you covered with our simple and transparent financing options. With our 90-Day Finance Charge Cap Promotion, you can keep more of your hard-earned cash. We'll cap the amount of Finance Charges you'll need to pay at just $40 if you meet these simple conditions:
- Pay off your full balance within the first 90 days after your agreement begins.
- Make all your scheduled payments within 30 days of their due dates.
- Stay in good standing and avoid any defaults. Conditions apply.
We understand that everyone's financial situation is unique, and that's why EasyPay Financing is here to provide flexibility and convenience tailored to your needs.
2. SNAP Financing
Are you someone with a good credit score, a poor credit score, or no credit history at all? If so, Snap Finance can help you with our easy lease-to-own financing process. Our aim is to make the entire process hassle-free and straightforward, ensuring you get what you need as quickly as possible.
Even if you have gone through bankruptcy or have a poor or non-existent credit history, we can still provide you with the best chance of approval. Our payment plans are designed to align with your payday schedule, and we also offer early payoff options to help you lower the overall cost of ownership.
Why Choose Gemba Automotive Financing?
- Keep Your Cash Flow on Track
Don’t let a blown axle, a transmission rebuild, or a comprehensive maintenance service derail your plans. With financing, you can split repair costs into manageable monthly payments—often with promotional 0% interest options for qualified applicants. - Simple, Fast Approval
Apply online in minutes or fill out a quick form at any of our four locations. Most credit decisions come back within 24 hours, so you won’t have to wait around. Once approved, we can begin work immediately. - Transparent, Upfront Terms
No gimmicks, no hidden fees, and no surprises. You’ll see your total repair cost, the interest rate (if any), and the payment schedule before you sign. If there’s a promotional period (for example, 0% APR for 6–12 months), we’ll clearly call it out. - Upgrade Now, Pay Later
Whether it’s installing new brakes, rebuilding your transmission, upgrading your suspension, or performing a full preventive maintenance package, get peace of mind now and spread out payments over time.
Frequently Asked Questions
Will applying affect my credit score?
Most of our financing partners perform a soft credit inquiry at pre-qualification, which does not impact your credit score. If you decide to move forward, a final credit check (hard pull) is required—always disclosed in advance—so you know exactly what to expect.
What types of repairs are eligible for financing?
Nearly any service over $200 can be financed—oil changes, brake repairs, engine work, transmission services, suspension and steering repairs, A/C repairs, and more. Talk to your advisor for details.
Can I pay off my loan early?
Absolutely. There are no prepayment penalties. If you want to pay off the balance before your term ends, you’ll save on interest (if applicable).
What happens if I miss a payment?
Late fees vary by lender, but we’ll always do our best to remind you before your payment is due. If you’re experiencing financial hardship, let us know—many lenders offer hardship accommodations or modified payment plans.
Your Financing Is Good At Any Gemba Location
Tempe: 1375 S McClintock Dr, Tempe, AZ 85281 • (480) 446-0484
Phoenix: 1451 N 32nd St, Phoenix, AZ 85008 • (602) 275-2187
Broadway (Mesa): 2035 W Broadway Rd, Mesa, AZ 85202 • (480) 935-5277
Guadalupe (Mesa): 424 W Guadalupe Rd, Mesa, AZ 85210 • (480) 966-1442
Surprise: 13315 W Bell Road Surprise, AZ 85378 • (623) 214-6933
Sun City West: 18855 N RH Johnson Blvd Sun City West, AZ 85375 • (623) 584-6400
Hours: Monday–Saturday • 7:30 AM–5:30 PM | Closed Sundays
