Need Help Covering the Cost of Your Repair?
We know that a collision, dent, or paint job doesn't always come at a convenient time — and not every repair is covered by insurance. That's why LBJ Collision has partnered with Snap Finance to give our customers another option for paying for their repair. This is one payment option among several. If your repair is related to an accident, we always recommend starting with your insurance claim first — see how we help with insurance claims →
What Is Snap Finance?
Snap Finance offers financing for repairs and services like ours through simple installment loan options. All credit types are welcome to apply.¹ You can apply in just a few minutes, right from your phone or computer, and get a decision quickly — often the same day. ¹ Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
How It Works
1. Get Your Estimate Bring your vehicle in or request a free estimate online so we know the full cost of your repair. 2. Apply on Your Own Device Apply directly through Snap Finance using your own phone, tablet, or computer. Applications must be completed by the customer, not by our staff on your behalf. 3. Get a Decision Snap will let you know if you're approved and what your terms look like — including your APR, payment schedule, and total repayment amount — before you sign anything. 4. Review & Sign If approved, you'll review your loan agreement and Truth in Lending Act (TILA) disclosures, then sign electronically on your own device. 5. We Get to Work Once your loan is finalized, we begin your repair right away.
Lifetime Warranty on Repairs
All collision repairs and paint refinishing include a lifetime warranty.
Lifetime Warranty on Repairs
All collision repairs and paint refinishing include a lifetime warranty.
Top‑Rated Customer Service
Local drivers trust us for our professionalism, communication, and quality workmanship.
What You Should Know Before You Apply
We believe in being upfront — the same way we are about repair costs. Here's what a Snap Loan actually involves:
- • Processing fee: Up to $15. There are no application fees, late fees, or insufficient funds fees.
- • Interest rate (APR): Typically between 145%–165%, with a maximum of 199% APR. Your exact APR will be shown to you before you sign, in the loan's Truth in Lending Act (TILA) disclosures.
- • Loan term: 12–18 months, with payments scheduled weekly, biweekly, semimonthly, or monthly based on your payday.
- • 100-Day Option: If you make all your minimum payments on time and pay off the full principal amount within 100 days, Snap will rebate the interest that's accrued — reducing your overall cost. [Learn more or make a payment by calling Snap Customer Care at 877-557-3769.]
- • Early Payoff: You can also pay off your loan early at any time to reduce the total interest paid, even outside the 100-Day window.
This isn't a "no cost" or "interest-free" program — it's a real loan with real terms, and we want you to understand them fully before you apply. Snap will walk you through your specific APR, fees, and total repayment amount before you sign anything.
Basic Requirements to Apply
While approval isn't guaranteed, here's a general idea of what's needed to apply:
- • Be of legal age to enter into a contract
- • Earn at least $1,000 a month
- • Have an active checking account
- • Have an active email address
Frequently Asked Questions
Does applying affect my credit score?
Applying for a Snap Loan may affect your credit score with certain consumer reporting agencies, such as Clarity Services or DataX. It's not likely to affect your FICO® score or other scores used by the three major credit bureaus, but it's not guaranteed to have no effect at all.
Will I definitely be approved?
No — not all applicants are approved. Snap reviews each application individually. While no traditional credit history is required, Snap does check information from consumer reporting agencies as part of its decision.
How much does it cost?
It depends on your loan amount, your APR, and whether you pay it off within the 100-Day window or over the full term. Your exact costs — including the total amount you'll repay — are disclosed clearly before you sign, in your loan's TILA disclosures.
Can I use financing along with my insurance claim?
Financing through Snap is meant to help cover costs your insurance doesn't — like your deductible, non-covered items, or repairs where you're not filing a claim at all. If you're going through an insurance claim, our team can walk you through what financing might make sense for your situation.
Do I have to apply in person?
No. You can apply from your own device, whether you're at our shop or at home. Snap requires that all applications be completed electronically by the customer, on their own device.
Ready to Get Started?
Snap-branded financing is provided by a bank partner. Snap Finance® administers the program, including marketing, underwriting, and servicing, on the bank's behalf. Not all applicants are approved. Terms, rates, and fees vary and will be disclosed to you directly by Snap before you sign any agreement. For full details on rates, terms, and eligibility, visit snapfinance.com or call Snap Customer Care at 877-557-3769.