When customers need auto repair, but cannot afford the cost, shops often turn them away when a customer does not have a credit card to use or when they have poor credit history. This results in lost revenue for independent shops, dealerships, tire stores, transmission shops and franchise shops. Auto service businesses can offer their community the convenience of financing programs that provide customers with a loan for the additional funds they need. Many offer monthly payment plans. Customers can often apply for their account at the repair shop and get approved quickly.