We take care of your ride, and you.

At Wippy, we know that when you love your vehicle, it turns daily drives into memorable journeys. That’s why we believe everyone should be proud of their ride, and that’s why 95% of vehicles entered qualify for a Wippy Pay Payment Plan. Let us get you back where you belong - on the road.

0% interest plans, unbelievably easy

How Much Can I Spend?

How it Works

Upgrade now, pay later, and choose the Wippy Pay plan that’s right for you.
1 Check Your Spending Limit We’re the only player in the biz with the easiest way to drop in your info via our Licence Plate Decoder.
2 Create Your Profile & Add Your Vehicle Add your best selfie, input some info and you’re almost there. Your data is kept private and secure.
3 Pay For Any Vehicle Expenses Using Wippy Pay (You can easily add more vehicles any time!) You’re ready to choose the payment plan for your upgrades, mods and repairs. Soon there will be nothing in the way of feeling that wind in your hair.

Benefits of Using Wippy Pay


Tell us what car you drive to find out your authorized spending limit. No credit applications or credit searches needed.

Get Started

Choose a program that’s right for you from 0% interest to custom plans with terms from 3 - 48 months.

View Our Payment Plans
We’ve Got You Covered

Wippy Pay has the largest retail network and is accepted by over 1,000 retail partners.

Where Can I Shop
Easy & Convenient

Once your profile is set up, and you add a car to the profile, you can pay for an invoice with just the click of a button.

Pay with Wippy Pay

Want to add a second car to your profile? No problem, all we need is one photo.
Want us to pay for another invoice? Easy: just a couple of clicks away.

Loved by 10,000+ Canadians!

See what Wippy customers are saying!

They were great and I will refer them to my friends

Enrico C. Dec, 2021

Very professional and great customer service. Would recommend this to anyone.

Amy S. Nov, 2021

They are great at helping people out as they did with me. I repaired my car and got winter tires. I will definitely tell my friends and family

Keith P. Oct, 2021

Frequently Asked Questions

How do I reach an agent?  

The fastest way to reach an agent is our Live Chat during business hours.

You can also text or email us.


Adding Wippy to Your Insurance Policy  

By adding Wippy as the Additional First Loss Payee on your auto insurance policy, you’ll save money!

Adding us to your policy ensures that any insurance company payoff will be co-payable to Wippy in the event your vehicle is written off for any reason.

Adding Wippy is easy and should not affect your insurance premium. Upload your confirmation within ten (10) days of the repair and you won’t have to pay the applicable monthly fee.

Unable to add us to your insurance?
If you’re unable to add us to your policy, a small fee, ranging from $3.95 to $19.95 (depending on the original amount paid by Wippy to the Retail Partner), will be added to your payments each month based on the breakdown below:
$500 – $1,500: $6.95
$1,500.01 – $3,000: $9.95
$3,000.01 – $5,000: $13.95
$5,000.01 – $7,500: $17.95
$7,500.01 – $10,000: $19.95

Proof of being added as a Loss Payee can be provided to Wippy at any time. Once provided, the default fee will cease.

Check out our full page about adding Wippy to your insurance policy

What is required to activate my payment plan?  

Don’t have a Wippy Pay profile set up yet? All you need to do is to enter your licence plate and mileage to view your spending limit, and then you can select your preferred payment plan program and create your profile.

Once a program is selected, you will need to enter your email. Then, just follow the steps in that email to finish creating your profile.

Tip: be ready to take a photo of your driver’s license and vehicle ownership.

Once your profile is set up, make sure you select which Retail Partner you’re working with as they will be required to submit the final details of the work being done on your car. Once all the items are submitted you will receive a notification to sign the Agreement.

Already have a Wippy Pay profile set up?
Start off by clicking here to login. Once logged in, click on “My Vehicles” to view all of the vehicles added to your account.
Don’t see the car you want to get work on? Just click on “Add New Vehicle”.

Once you find the car in your profile, click on it to get to the details page of the car. Once here, just click on “Pay with Wippy Pay”.

How do I make payments?  

All Wippy Pay plans are set up using pre authorized payments through your bank account. Unfortunately, we do not accept regular payments in the form of cash, cheque or credit cards.

Additional payments can be made via Email Money Transfer or by Visa Debit.

If using Email Money Transfer, please contact us on Live Chat so we can provide you with the correct email to send the funds to. Once the payment is made, please follow up with a Live Chat agent to ensure the amount was applied correctly to your account.

If you would like to make a payment using Visa Debit, please contact us via Live Chat.

Will I save money if I prepay the payment plan early?  

YES! All Wippy Pay plans are fully open; the sooner you pay off the balance, the more you can save!

Does Wippy pay the Retail Partner directly?  

Yes! Once you and the Retail Partner have both signed the payment plan agreement, we authorize the payment to be sent directly to their bank account.

I have an existing Wippy Pay payment plan, am I able to get another one?  

Yes! We don’t have any restrictions on the number of payment plans you maintain. You can set up as many vehicles in your account as you would like as you can also add as many loans on each vehicle as needed as long as you don’t spend more than your current authorized spending limit.

For example, if your spending limit is $10,000 on a vehicle, you may start a payment plan for $5,000, another one for $2,000 and a third for $3,000. The only requirement is that all of your current payment plans with us are in good standing.

Where can I find your Privacy Policy and Terms of Agreement?  

To access the full Privacy Policy and Terms of Agreement, visit wippy.com/privacy-policy/. You can also find it in the footer of our website.

Is my information protected?  

Yes, all personal data is protected by our secure network. We protect this data with multiple layers of security, including leading encryption technology like HTTPS and Transport Layer Security. We continuously monitor our services and the underlying infrastructure to protect them from threats, including spam, malware, viruses, and other forms of malicious code.

We never give access to your data or our servers that store your data or sell your information to third parties. Please read our Terms of Agreement and Privacy Policy to learn more.

I am not receiving emails from Wippy  

If you’re not receiving emails from us, it’s likely due to your spam filter, but it may also be one of the few reasons below.

1. Have you looked in the “All Mail” label for the missing messages? What about “Trash” (or “Bin”, but not “[imap]/Trash” or anything else)? What about “Spam”?

2. Have you used the Search Mail function (with the term “in: anywhere”) at the top of the page to look for the missing messages?

3. Is the account full? Looking below the inbox, how much space, out of how much total, does it say is being used?

4. Did the senders get any sort of bounced/failed/rejected messages returned to them (post the full headers here)? If you still haven’t been able to solve this issue, contact us at [email protected] or use the live chat on our website.

5. Have you tried sending yourself a test-message from a non-Gmail account? Have you tried sending a test-message to that non-Gmail account and replying? Does either direction work?

Does using Wippy Pay affect my credit score?  

We never check credit when opening an account, and we also do not report to any credit reporting agencies on the performance of the account.

Can the vehicle be Leased or Financed?  

Eligible vehicles can be added to your profile regardless if they are leased or financed.

Wippy, at your Service

Looking for more info? We’ve got you covered. Use our website Chat to speak to a live representative, or fill out this form and one of our team members will be in touch before the next pit stop.

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