Drive now, pay over time
Don't put off the exhaust build or the repair you need. We offer two easy ways to finance your work — split it into 4 payments with Affirm, or go lease-to-own with Snap Finance, no credit needed.
Two Ways to Pay
Pick the option that fits you
Not sure which is right? Here's the quick version — and we're always happy to help you choose when you come in.
Best for good credit
Pay in 4, interest-free
Split eligible purchases into 4 payments at 0% APR, or choose a longer monthly plan. Rates and totals shown up front — no hidden or late fees.
- Real-time approval decision
- 0% APR Pay in 4 option
- Apply right from your estimate
No credit needed
Lease-to-own financing
Snap looks beyond your credit score, so you can get the work done now and pay as you go. Apply in minutes with an instant decision.
- All credit types welcome
- 100-day early payoff option
- Fast application from your phone
Apply from your estimate in minutes
There's nothing to set up ahead of time. When we send your estimate, applying for Affirm is built right in.
- Step 1
Book your service
Schedule your exhaust build or repair online or give us a call. We get your vehicle in and build your estimate.
- Step 2
Get your estimate link
We text you a digital estimate for the work. Right inside that link is the option to pay over time with Affirm.
- Step 3
Choose Affirm & apply
Select Affirm and enter a few details. You get a real-time decision with your rate and terms shown up front — no impact to explore your options.
- Step 4
Approve & get rolling
Once approved, we do the work and you pay Affirm over time in simple installments. That easy.
Why Affirm
Financing without the fine-print traps
4 interest-free payments
With Affirm Pay in 4, split eligible purchases into four equal payments every two weeks at 0% APR.
No hidden or late fees
Affirm never charges hidden fees or late fees. The amount you see is the amount you pay.
See your total up front
Before you commit, Affirm shows you exactly what you owe — no surprises, no compounding interest.
Longer terms available
Bigger build or repair? Affirm also offers monthly payment plans so you can spread larger amounts out over time.
Affirm Pay in 4
Four payments. Two weeks apart. Zero interest.
Eligible purchases get split into four equal, interest-free payments — one every two weeks. Pay with a debit card, and pay it off early anytime with no penalty.
Example on a $400 purchase
0% APR · no hidden fees · no late fees
Get approved in minutes — no credit needed
Snap Finance makes it simple to get the work done today and pay over time, even if your credit isn't perfect.
- Step 1
Apply in minutes
Fill out Snap’s quick application from your phone. It only takes a few minutes and you get a decision in seconds.
- Step 2
Get your approval amount
All credit types are welcome. If approved, Snap gives you a spending limit to use on your build or repair.
- Step 3
Get the work done
Bring your approval to Mufflers & More and we get started. Snap covers the cost so you don’t wait.
- Step 4
Pay over time — or pay off early
Make easy scheduled payments, or use the 100-day early purchase option to save on your total cost.
Why Snap
Approval that looks past your credit score
No credit? No problem
Snap looks beyond your credit score, so a low score or thin credit history won’t automatically stop you.
Fast, easy application
Apply from your phone in minutes and get an instant decision — no long paperwork or waiting around.
100-day payoff option
Pay off your lease within the initial 100-day window to save the most on your total cost of ownership.
Flexible lease-to-own
Make manageable scheduled payments that fit your budget until the balance is paid and the items are yours.
What you need to apply
- Be 18 or older
- Steady income (about $750+/mo)
- Active checking account
- Valid email & mobile number
Ready to get the work done?
Book your appointment and we'll send an estimate with your Affirm option built right in — or apply with Snap now and bring your approval in.
Affirm: Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. For example, a $400 purchase might cost $100 every 2 weeks over 8 weeks (0% APR Pay in 4) or a monthly payment at 0–36% APR based on credit. Actual terms are shown at checkout. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. See affirm.com/terms for details.
Snap Finance: Snap offers a lease-to-own purchase or loan agreement and is not available in every state. “No credit needed” does not mean no credit check — Snap obtains information from consumer reporting agencies, and approval is not guaranteed. The 100-day and other early purchase options let you save versus the full cost of the lease; details and total cost of ownership are disclosed in your agreement before you sign. Not all applicants are approved.