How it works

Three steps.
Ten minutes.

No paperwork. No credit check. See your approval in minutes and fix your car today.

Check your limit →
Takes 2–3 minutes  ·  No impact to your credit
No hidden fees. No surprises.
Mechanic reviewing repair on tablet
It’s simple.

Here’s exactly what happens

No paperwork. Just your driver's licence, ownership, and a bank account.

01

Check your spending limit

Enter your license plate and see your spending limit in seconds. No credit check and no commitment.

02

Pick your plan

Pick a payment plan that fits your budget. Weekly, biweekly, semi-monthly or monthly.

03

Fix your car

Wippy pays the shop, you pay over time.

Check your spending limit →

Takes 2–3 minutes  ·  No obligation  ·  No credit check

No paperwork
No credit check
No hidden fees
Pay it off early
When would I use this?

For repairs that can't wait.

Car breaks down

You can’t wait until next payday.

Failed inspection

The car isn’t safe to drive.

You need your car for work

You rely on your vehicle to get to work, do deliveries, or manage family life.

The bill is higher than expected

What should’ve been small, isn’t.

Used every day at repair shops across Ontario.

What this actually looks like

Real repairs. Manageable payments.

What manageable payments look like.

Example 01

$600 repair

From about $20 biweekly

Example 02

$1,200 repair

From about $25 biweekly

Example 03

$2,500 repair

From about $50 biweekly

Estimates for illustrative purposes only. Actual payment amounts, terms, and cost of borrowing vary based on approval and selected plan. See full terms before signing.

Flexible payment plans

Transparent pricing.
No surprises.

Two plan options, with all fees shown upfront. No credit check required for either.

Most popular
Standard plan
Flexible monthly payments

29.99% APR. Terms 12–48 months. Admin fee $149. Lien fee $149–$199. Fully open — pay early, no penalty.

See My Payment Plan Options →
Limited time
Active Green + Ross Exclusive
0% interest

Available at Active Green + Ross locations. No admin fee. No lien fee. 3 month term.

Claim This Offer →
Get started

Check your spending limit in minutes.

See what you can spend before you go to the shop.

Check your spending limit →
Takes 2–3 minutes  ·  No credit check  ·  No obligation