Drive Now, Pay Later.

Finance your vehicle’s repair costs. No credit required. No interests. Flexible payments.

How it works

GarageTouch offers its members with eligible vehicles access to loans from $1,000 to $25,000 per vehicle, so you can have peace of mind and get back on the road safely.

Apply. Apply in minutes and get your vehicle inspected to unlock funds to cover repairs. See requirements »
Get Repairs. Pay for repairs and maintenance using available funds in your GarageTouch account.
Make Payments. Pay as you go only for what you borrow. Flexible terms. No interests. Learn more »

Why Drive Now, Pay Later?

GarageTouch is a game changer! My car broke down in the middle of a Lyft ride and I waited 4 hours for my insurance company’s roadside assistance towing that never showed up. Thankfully a fellow driver recommended GarageTouch and they sent a mechanic to fix it and I was back on the road within an hour of joining GarageTouch. Thank you!!!
Peter O.
Honda Accord
I don’t know how I lived without GarageTouch. I’ve been a member since October of last year and they saved me over $2,000 so far!! My service advisor, Dave, has been so helpful every time I have a request. I recommend 100%!
Carlos F.
Toyota Camry
I had a mobile mechanic quote me $2200 and said I needed a new radiator, water pump, hoses, and a slew of other things. My boyfriend recommended GarageTouch. Turns out my $2200 repair was actually a $650 repair. That's a HUGE difference. New radiator hoses and a new thermostat and my car is running like a champ again.
Lynda R.
Chevrolet Suburban
I went through 2 mobile mechanics and wasted over $700 and 3 weeks of my time just to replace a serpentine belt on my car. Very stressful and frustrating. A friend recommended GarageTouch so I signed up and they were able to find me a legit shop to fix it the same day for way less than those thieves charged me!
Kate L.
Hyundai Sonata

Peace of Mind

Vehicle ownership costs can be unpredictable at times, and even the most reliable vehicles break down at the most inconvenient times. When that happens, you need a service like GarageTouch to find you the best mechanics and cover your vehicle's repairs so you can quickly and safely get your vehicle back on the road.

Save Cash

Don't let unexpected vehicle repairs empty your wallet. Save your money for serious emergencies. Pay us back over time.

Lower Insurance

We work with insurance companies to lower premiums on vehicles approved for GarageTouch Drive Now, Pay Later.

Do you qualify?

GarageTouch Drive Now, Pay Later extends credit based on the vehicle’s usage, condition, year, make, and model. Each approved vehicle is limited to a line of credit of up to 60% of the Vehicle’s Resale Value or $25,000. No credit score requirements.

Commercial Vehicles

Used for rideshare, delivery, rental, or business activities.


Years 2012-2020

Full Vehicle Inspection

Visual inspection, road test, engine and mechanical system check.

Vehicle Registration and Insurance

Financial Statements

Platforms Pay Statements or Business Financials

Personal Vehicles

Used only for personal transportation, leisure, or private collection.


Years 1960-2020

Full Vehicle Inspection

Visual inspection, road test, engine and mechanical system check.

Vehicle Registration and Insurance

Personal Income Verification

Have Questions?

How do determine whether my vehicle is eligible?

GarageTouch Loan eligibility and the term your vehicle is eligible for are based on a variety of factors. Some of those factors include vehicle’s usage, condition, year, make, and model, and time on GarageTouch. You can look to see if you have a pre-qualified offer by visiting your GarageTouch app.

Does applying for a GarageTouch Loan affect my credit score?

No, applying for a GarageTouch Loan does not affect your personal or business credit score.

How do I repay my GarageTouch Loan?

Loan repayments are automated as a fixed percentage of your outstanding balance. This means repayment flexes with how much of your credit you use. GarageTouch Loans offer different target repayment terms ranging from 90 days to 360 days, depending on eligibility. The maximum repayment term is 60 days following the end of the target repayment term. Any outstanding balance due at the end of the maximum term will be collected automatically via ACH.

How much does GarageTouch Drive Now, Pay Later cost?

GarageTouch Loans have:

  • Deposit: $500
  • Service Fee: $50 per Payment
  • Late Fee: $100 + 5% of Outstanding Balance
  • Prepayment Fee: $0
  • Interest Rate: 0%

The total amount you owe is the outstanding balance (what you used) plus the Service Fee when you make a payment. There is no compounding interest, prepayment, or hidden fees.

How can I use a GarageTouch Loan?

GarageTouch Loans can only be used on the approved vehicle for repairs and maintenance services provided by an approved Vendor on the GarageTouch platform. Funds cannot be used for other or any services rendered outside the GarageTouch platform.

What happens if I miss a loan payment?

If you miss a payment, you a five(5) days grace period to make payment or else you’ll be charge a Late Fee. Too many late payments could resort to suspension and the total Outstanding Balance becoming due.

Are there late fees?

Yes. If you miss your payment by more than 5 days, you’ll be charged a Late Fee in the amount of $100 + 5% of Outstanding Balance.

How much will I save on insurance?

GarageTouch doesn’t guarantee an exact amount or if there will be a decrease in your insurance premiums. However, because GarageTouch Drive Now, Pay Later program can reduce the number of claims, many Insurance companies offer higher discounts to their customers with vehicles approved by GarageTouch.

Loans are not made by GarageTouch, and instead are made by separate, related entities. Loan eligibility is not guaranteed. All loans are subject to credit approval and may not be available to borrowers in certain jurisdictions. GarageTouch reserves the right to change or discontinue this program without notice.