Mon–Fri 7:30–5:30 · Sat 8–2 · 2140 Ridgeview Road SE, Calgary
(403) 555-0148Financing
Cars fail on their schedule, not your payday's. Through TorqPay Financial you can split any bill over $150 — and because we publish the arithmetic, you'll know the exact cost of borrowing before you say yes.
4 equal payments over 6 weeks
0% interest
On repairs over $150
Split any bill over $150 into four equal payments, two weeks apart. No interest, no fees, approved in minutes at the counter.
3 monthly payments
0% interest
On repairs over $500
Interest-free on repairs over $500. The bill splits into three equal monthly payments — you pay exactly the invoice amount, not a cent more.
6 monthly payments
9.99% APR, fixed
On repairs over $750
For bigger repairs over $750. Fixed 9.99% APR, no penalty for paying it off early.
12 monthly payments
12.99% APR, fixed
On repairs over $1,000
Spreads major work — engine, transmission, suspension overhauls — over a year. Fixed 12.99% APR, open loan, no early-payout penalty.
Drag to your repair amount — every card above recalculates with the standard amortization formula, interest included. Got a number from the estimate calculator? Use that.
Plans below their minimum amount will say so instead of quoting a payment.
Financing never changes the repair decision — you approve the written estimate exactly as if you were paying cash.
Sofia sets it up on the counter tablet with TorqPay. Soft credit check for Pay-in-4; full check only for the 6- and 12-month plans.
Payments come off your card automatically. Every plan is open — pay it off early and the remaining interest disappears.
No. The price is the price — financed or cash, the estimate is identical. TorqPay's margin is the published APR, not a padded invoice.
It happens, and it's private — the tablet shows Sofia approved or not, never why. We'll still split urgent safety repairs into shop-managed instalments case by case. Ask.
On Pay-in-4 and the 3-month plan, yes: miss no payments and you pay exactly the invoice total. Late payments carry a flat $25 fee — that's the only catch, and now you know it.
Financing provided by TorqPay Financial. Payment figures on this page are computed with the standard amortization formula and rounded to the cent; your TorqPay agreement is the binding document.
Run your repair through the estimate calculator, then slide it through the plans above — you'll walk in knowing both the repair cost and the borrowing cost.
Prefer a human? Call (403) 555-0148 — Sofia answers, not a phone tree.