Big part, small monthly payment.
Easy financing on engines, transmissions, transfer cases and any order over $750. Soft-pull pre-qualification in under 60 seconds — checking your rate won't affect your credit score.
Three steps to drive again.
1. Get pre-qualified
Apply in under a minute with a soft credit check. See your real rate and terms — no impact on your credit score.
2. Pick your plan
Choose 6, 12, 24 or 36 monthly payments. 0% intro APR available on approved credit.
3. Part ships free
We dispatch same-day on in-stock items. Make your first payment after delivery — never before.
From a starter to a full long-block.
Spread the cost on the parts that actually move the needle on a repair bill.
What it really costs per month.
Estimates only — your actual rate depends on credit profile and term length. Final terms shown at checkout.
| Part | Price | From | Term |
|---|---|---|---|
| Order $750 – $1,500 | $1,200 | $50/mo | 24 mo · 9.99% APR |
| Remanufactured Engine | $2,400 | $67/mo | 36 mo · 0% intro APR |
| Rebuilt Transmission | $1,800 | $75/mo | 24 mo · 9.99% APR |
| Transfer Case | $950 | $80/mo | 12 mo · 0% intro APR |
| Differential / Axle | $1,200 | $50/mo | 24 mo · 9.99% APR |
| Suspension Kit | $1,100 | $46/mo | 24 mo · 9.99% APR |
| Hybrid Battery Pack | $3,200 | $89/mo | 36 mo · 0% intro APR |
Representative example: $2,400 financed at 0% APR over 36 months = $66.67 per month. Total of payments $2,400.00. Advertised APRs are for illustration; actual APR ranges from 0% – 35.99% based on lender, term length, and creditworthiness.
No prepayment penalty
Pay off early any time without fees. Most customers save on interest by paying ahead.
60-second decision
Real-time approval from our financing partner network. Multiple lenders compete for your application.
Built for less-than-perfect credit
Fair financing for working drivers and small shops — not just A-tier credit. Multiple plans available.
Know exactly what you're signing.
Soft pull vs hard pull
Pre-qualification uses a soft pull — it lets you see your real rate without any effect on your credit score. A hard pull only happens if you choose to finalize the loan at checkout with the lender you picked.
Fees & penalties
No application fee. No prepayment penalty. Late fees and returned-payment fees are set by the individual lender (typically $7 – $25) and are disclosed on your loan agreement before you sign.
Autopay & on-time discount
Enroll in autopay for a typical 0.25% – 0.50% APR reduction (lender-dependent) and never miss a payment. Set it once at checkout and forget it.
What if I'm declined?
Add a co-applicant, choose a debit-card lease-to-own option with a 90-day same-as-cash early-buyout window, or split the order across smaller carts. Our specialists can walk you through the path that gets your vehicle moving again.
Shops & fleets: NET 30 / NET 60.
Verified B2B buyers get invoice terms, dedicated account management, and bulk pricing — separate from consumer financing. No personal credit check, no monthly statements per part.
Financing questions, answered.
Will checking my rate hurt my credit?
No. Pre-qualification uses a soft credit pull, which is invisible to other lenders and never affects your credit score. A hard pull only happens if you choose to finalize the loan at checkout with the lender you picked.
How fast is approval?
Most applicants get a decision in under 60 seconds. You'll see your real rate, term length, and monthly payment before you commit — nothing is locked in until you accept.
Can I finance shipping and core charges?
Yes. Shipping is already free on standard ground orders in the lower 48 states. Refundable core charges on engines, transmissions, and similar parts are rolled into the financed total and credited back to your loan balance after the core is returned.
What happens if I return the part?
Returns follow our standard 30-day policy. Once we process the refund, it flows directly back to your lender against your loan balance. If you've already made a payment, the lender refunds you per their terms.
Do you offer 0% APR for the full term?
0% intro APR plans are offered on approved credit, typically on 6, 12, and 36-month terms for engines, transmissions, and hybrid batteries. Longer terms and lower credit tiers carry standard APRs from our lender network (0% – 35.99% APR).
Are there any hidden fees?
No application fees and no prepayment penalty — ever. Late fees and returned-payment fees are set by the individual lender (typically $7 – $25) and are clearly disclosed on your loan agreement before you sign.
Ready to drive again?
Get a quote on your part — see your monthly payment instantly at checkout.
Lender disclosure: Financing is provided by third-party lenders. Quantum Auto Part is not a lender. Approval, interest rate, term length, and APR are determined solely by the lender based on the credit application submitted at checkout. All offers are subject to the lender's terms and conditions. Not all applicants will qualify for the lowest rate or longest term.