Fix now,
Pay later.
Car repair financing in Ontario
Get approved in seconds. Accepted at 900+ repair shops across Ontario..
Get Your Approval in Seconds
Three steps.
Ten minutes.
No paperwork. Just your driver's licence, ownership, and a bank account.
Get the repair now. Pay over time.
Flexible payment plans with no credit check. Accepted at 900+ repair shops across Ontario.
See your limit without affecting your score
Use Wippy at 900+ trusted repair shops
Apply in minutes with no paperwork
Choose a plan that works for your budget
Transparent pricing.
No surprises.
Two plan options, with all fees shown upfront. No credit check required for either.
29.99% APR. Terms 12–48 months. Admin fee $149. Lien fee $149–$199. Fully open — pay early, no penalty.
Available at Active Green + Ross locations. No admin fee. No lien fee. 3 month term.
Trusted by drivers
across Ontario
Real feedback from customers who used Wippy payment plans for repair bills when timing and cash flow mattered.
Common questions,
clear answers
Everything you need to know before getting started with Wippy payment plans.
Does checking my spending limit affect my credit score?
No. Wippy does not use a traditional credit check just to show you your spending limit, so checking your limit does not affect your credit score.
How much can I use Wippy for?
Wippy payment plans are available for repair amounts from $500 to $10,000, depending on approval and the repair shop.
Do I need to pay the repair shop myself?
No. Once everything is approved and signed, Wippy pays the approved repair shop directly.
Can I pay off my plan early?
Yes. Wippy plans are fully open, which means you can pay off your balance early without a prepayment penalty.
What do I need to apply?
To get started, you'll typically need your licence plate, driver's licence, and bank account information to complete the application process.
Turn More Estimates Into Approved Jobs
Offer flexible payment plans your customers can afford without discounting your hourly rate.
Become a Wippy Partner →- No merchant fees unlike credit cards, which typically charge around 1.5% to 3.5% in Canada
- Reduce friction at the estimate stage by showing an affordable payment instead of the full repair total
- Win more jobs without lowering your price
- Free marketing support included