Financing
Repair now. Pay over time.
Eligible customers can split their All Magic Paint & Body invoice into smaller payments through Klarna or Affirm at checkout. The lender shows your full payment schedule and any applicable terms before you accept — and approval is decided in real time, subject to the lender's eligibility requirements.
How it works
Three steps from estimate to back on the road.
- 01
Get your estimate
Drop in or send photos — we write a free estimate and coordinate with your insurance.
- 02
Receive your invoice
Once your repair is approved, we email you a secure invoice for the balance you owe.
- 03
Choose how to pay
Pay by card, or — if you qualify — split the balance through Klarna or Affirm at checkout.
Why choose financing
Terms shown before you accept
The lender displays your full payment schedule, any interest, and any fees that may apply before you commit. You only proceed if it works for you.
Real-time eligibility decision
Most applicants get a decision in seconds at checkout. Approval and the terms offered are determined solely by the lender.
Soft check to see if you qualify
Pre-qualifying with Klarna or Affirm typically uses a soft credit inquiry, which does not affect your credit score. Some longer-term Affirm plans may involve a hard credit inquiry — Affirm will tell you which type of check applies before you accept.
Pay-off flexibility
Klarna and Affirm currently allow you to pay off your balance early without a prepayment penalty. Always confirm the specifics in the lender's offer before you accept.
Common questions
- Will checking my eligibility affect my credit score?
- Pre-qualifying with Klarna or Affirm typically uses a soft credit inquiry, which does not affect your credit score. Some longer-term Affirm plans may involve a hard credit inquiry before the loan is finalized — Affirm will tell you which type of check applies before you accept the plan.
- What's the minimum invoice amount that qualifies?
- Klarna and Affirm each set their own minimums and eligibility rules, which can change. If your invoice doesn't qualify for a given option, that option simply won't appear at checkout.
- Can I pay off the balance early?
- Both Klarna and Affirm currently allow early payoff without a prepayment penalty. Always confirm the specifics in the lender's offer before you accept the plan.
- Are there fees for using Klarna or Affirm?
- All Magic Paint & Body does not charge an extra fee for using a financing option. The lender's terms — including any interest and any fees that may apply, such as late or returned-payment fees — are disclosed to you before you accept the plan. Klarna's Pay-in-4 plan is generally offered with no interest in the U.S.; some longer Affirm plans carry interest depending on the term selected. Always review the offer the lender shows you for the specifics that apply to you.
- Who is actually financing the purchase?
- Klarna, Inc. and Affirm, Inc. are independent lenders. They pay All Magic Paint & Body in full at the time of purchase and collect your scheduled payments directly from you. Card and banking information you enter at checkout is handled by the lender and our payment processor (Stripe). All Magic Paint & Body does not store this information.
Have a question we didn't answer? Contact us →
Have an invoice?
Enter your invoice number to pay by card, or — if you qualify — split your balance through Klarna or Affirm.
Klarna and Affirm financing is provided by Klarna, Inc. and Affirm, Inc., respectively, and is subject to each lender's eligibility requirements, terms, and approval. Payment plans, interest rates (where applicable), and any fees that may apply are determined by the lender and are disclosed to you before you accept the plan. All Magic Paint & Body is not the lender, does not make credit decisions, and does not guarantee that any customer will qualify. Klarna® and Affirm® are trademarks of their respective owners.
Ready for a free estimate?
Call any of our four shops or fill out the estimate form — we'll respond the same business day, often within the hour.
It takes less than 1 minute!