Car repairs don’t have to disrupt your budget. With Wippy, you can spread the cost over time with simple, flexible payment plans all through trusted local repair shops.
We partner with mechanics across Ontario, so finding a shop near you that offers Wippy is easy. Whether it’s maintenance or unexpected repairs, we help make car care more predictable and convenient.
Find a shop near you and see how Wippy can simplify your next repair.
Welcome to our Payments Your Way plan, where flexibility meets simplicity. We understand that every customer has unique financial needs, which is why we offer a payment solution that adapts to you. With Payments Your Way, you have the freedom to customize your payment schedule based on what works best for you. Whether you prefer weekly, bi-weekly, semi-monthly or monthly payments, we’ve got you covered. Say goodbye to one-size-fits-all approaches and hello to a tailored payment plan designed with your convenience in mind.
All Wippy Authorized Retail Partners
With our Take 90 Days to Pay plan, managing your car repair expenses has never been easier. Enjoy the peace of mind of 0% interest as long as you settle the entire balance within 90 days. Say goodbye to immediate financial strain and hello to flexible payment options tailored to your convenience. Experience the freedom to address your car repair needs without worrying about interest charges.
Selected Retail Partners Only
Welcome to our 0% for 10 Months plan, where convenience meets affordability. Say goodbye to the burden of hefty one-time payments and hello to manageable monthly installments. With this plan, we break down your car repair costs into 10 equal monthly payments, all interest-free.
Selected Retail Partners Only
These numbers in this calculator are for educational purposes only. Please go through the application process to see exactly how much you can qualify to spend.
Our range of flexible payment plans are designed to suit your needs. Whether you’re looking for interest-free options or prefer to spread payments over time, our transparent comparison table will help you choose the plan that aligns best with your financial preferences and repair needs. Take control of your budget and get back on the road with ease.
| Payments Your Way | Don't Pay for 100 Days | Take 90 Days | 0% for 10 Months | 0% for 24 Months | |
|---|---|---|---|---|---|
| Interest Rate | 18.95% | 25.95% | 0% | 0% | 0% |
| Customer Fee (Due Today) | $0 | $9.95 | $0 | $29.95 | $59.95 |
| Customer Fee (Due Later) | $188-$258* | $188-$258* | $0 | $138.50** | $207.80** |
| First Payment Due Date | 14 to 44 days | 45 to 100 days | Full Amount in 90 days | 44 days | 44 days |
*Plans include a lien registration fee of $59-$129 (depending on the term) plus a $129 admin fee.
**Plans include a $4.95 per month fee plus a $89 lien registration fee.
We’re excited to offer you our payment plan options. Take a moment to familiarize yourself with the terms and conditions below before making your decision.
Interest Start Date: When you activate your plan, this is when we begin calculating interest. If you’re on a “No Payments, No Interest” plan, you’ll only start paying interest after a Default. For “Equal Payments, No Interest” plans, it kicks in on the date of Default, but only if it’s not resolved within 15 days.
Annual Interest Rate: This is the percentage at which interest accrues on your outstanding Principal Amount. It’s like a tiny fee we add daily to your account balance. For “Equal Payments, No Interest” plans, we slash this rate to 0% unless a Default occurs, and isn’t fixed within 15 days.
Annual Percentage Rate (APR): Think of this as the grand total of borrowing costs expressed as a yearly percentage. It includes any disclosed fees. If you’re on an “Equal Payments, No Interest” plan, your APR drops to NA% unless a Default happens and isn’t fixed within 15 days.
Payment Frequency: How often you make payments depends on your loan type. For “No Payments, No Interest” plans, you’ll need to clear the Unpaid Balance of Repair Invoice by the original Term’s end. With “Equal Payments, No Interest” plans, your Regular Payment recalculates post-Default.
Term: Your agreement lasts for 3 months. If you’re on a “No Payments, No Interest” plan and there’s a Default, we extend it to 36 months. The same goes for “Equal Payments, No Interest” plans.
Payments and Cost of Borrowing: Your total payments are determined by your chosen payment frequency. Any fees or interest payable are added to this. For “Equal Payments, No Interest” plans, if there’s a Default, your total payments go up, provided it’s not resolved within 15 days.
Prepayment: You can pay off part or all of your Principal Amount without any prepayment fees. If you pay off everything, you may get some fees refunded.
Default Charges: If a Default happens, you may face extra charges, like reimbursing collection costs and dishonoured payment fees. Check out the list below for more details.
No Insurance/Insurance Cannot be Verified (monthly) – $49.95
Bank Notification of “Agreement Revoked” – $249
Broken Promise or Arrangement – $99
Cost of Furnishing any Notices or Demands – $299
Lien discharge fee – $125
Administering Insurance Claims – $250
Insurance Cancellation Notice – $99
Lien Registration – $149
Fee Changes: We may tweak the Default Charges listed here at any time. We promise to let you know beforehand, though.
Feel free to reach out if you have any questions or need clarification before diving into your payment plan. We’re here to help!
Start now and discover how much you can spend on your vehicle repairs with Wippy’s hassle-free process!
Start now and discover how much you can spend on your vehicle repairs with Wippy’s hassle-free process!
With our Take 90 Days to Pay plan, managing your car repair expenses has never been easier. Enjoy the peace of mind of 0% interest as long as you settle the entire balance within 90 days. Say goodbye to immediate financial strain and hello to flexible payment options tailored to your convenience. Experience the freedom to address your car repair needs without worrying about interest charges.
Small to moderate repair expenses, such as routine maintenance or new tires.
For $500 to $2,000
Welcome to our 0% for 10 Months plan, where convenience meets affordability. Say goodbye to the burden of hefty one-time payments and hello to manageable monthly installments. With this plan, we break down your car repair costs into 10 equal monthly payments, all interest-free. Enjoy the flexibility of spreading out your expenses without incurring any additional charges. Whether it’s routine maintenance or unexpected repairs, our 0% for 10 Months plan ensures that you can address your car’s needs without breaking the bank.
Medium-sized repair expenses requiring a longer repayment period.
For $2,000 to $5,000
Welcome to our Payments Your Way plan, where flexibility meets simplicity. We understand that every customer has unique financial needs, which is why we offer a payment solution that adapts to you. With Payments Your Way, you have the freedom to customize your payment schedule based on what works best for you. Whether you prefer weekly, bi-weekly, or monthly payments, we’ve got you covered. Say goodbye to one-size-fits-all approaches and hello to a tailored payment plan designed with your convenience in mind.
Various repair expenses where flexible repayment are needs.
For $1,000 to $7,000
Introducing our revolutionary Don’t Pay for 100 Days plan, where financial flexibility meets peace of mind. With this innovative payment option, you can address your car repair needs immediately without worrying about making payments for the first 100 days. Say goodbye to upfront costs and hello to delayed payments, giving you the breathing room you need to manage your finances effectively. Whether it’s unexpected repairs or planned maintenance, our Don’t Pay for 100 Days plan ensures that you can get back on the road without breaking the bank.
Larger repair expenses or unexpected emergencies with deferred payment options.
For $1,000 to $10,000
