Consumer FAQ

The 1stMILE app keeps track of your cars, tells you what's coming up, and connects you to shops, coverage, and rewards. It's your trusty sidekick ready to handle all your vehicle's needs, saving you time and money along the way.

1. Click the car icon on the bottom ribbon of the app to access your Garage.
2. Towards the top right, there will be a car icon with a “+”. Click that.
3. From there, you can scan a barcode or manually enter your VIN.
4. Press Search.
5. Press Next if your Vehicle Results are correct.
6. Set the current Odometer and how many miles you drive the vehicle on average for maintenance and service reminders.
7. Click Add.

You're done. Congrats! You can add as many vehicles as you want to track in the app.

Your VIN is a unique 17-character code (made of numbers and letters) that can often be found on the lower-left corner of the dashboard, in front of the steering wheel. Your VIN might also appear at the front of the engine block, front of the car frame, rear wheel well, inside the driver-side doorjamb, the driver-side doorpost, or underneath the spare tire.

You can likely access your insurance provider's website/app on your phone, view your auto policy, and copy the VIN from there and paste it into the 1stMILE app.

If you've changed phones, you can simply log into the app on your new phone and your 1stMILE app will still have all your Rewards points and maintenance information saved.

If your phone number has changed, you will need to set up your account again, just go through the same steps as originally within the app. For any existing rewards points, you can still login with your old number at the shop to redeem any remaining points.

Yes, the 1stMILE app is available for both iPhone and Android.

Only 1stMILE Automotive Network enabled shops will be listed in the app.

Loyalty points are redeemed at a qualifying 1stMILE Automotive Network shop when making a purchase, giving you a discount on a future visit. Many shops have a pending period before new points become available for use (ex: points may be pending 24 hours or more before they can be redeemed) and/or a redemption minimum (ex: you may need 100 points or more before they can be redeemed). You can view program settings in the 1stMILE app.

Yes, you can add and join multiple shops and their loyalty programs.

No.

Depending on the shop you’re in, you can either apply directly via their terminal and/or via text message with 1stMILE Apply (Text-to-Apply).

Depending on which financing partner you are approved with, you will either check out with a virtual card or check out with the cashier.

Questions about your loan/application are best directed to the lenders you are applying for or approved by. The customer service lines can be found at their respective websites.

• Big O Tires Credit Card
• Goodyear Credit Card

• CFNA
• Synchrony Car Care
• AFF
• DigniFi
• EasyPay

The lenders will vary by which options the shop has enabled. They could include Citi, CFNA, Synchrony, DigniFi, EasyPay, and American First Finance.

Qualifications will vary by lender.

Qualifications will vary by lender, some will take credit score into account, while others may use different qualifications (such as bank account/minimum income amount).

Yes, payments will be reported to credit bureaus, which can help you build credit history.

When applying with the retail merchant for a retail installment contract, it is likely that your credit history or FICO Score will be pulled. However, it is possible to not have a credit history or FICO Score and still receive an approval.

You will be able to use your automotive Private Label Card at participating locations which accept that brand of payment. American First Finance issues you a virtual Visa card, loaded with the amount you are approved for.

The payment process will vary by lender, you can find more information at their websites.

Your interest rates will vary based on lender and your credit profile.

Using 1stMILE Mobile your funds will be sent to a virtual card accessible on your phone.

1stMILE Pay allows you to Text-to-Pay for your work order. You will receive a pay link, allowing you to easily check out with major credit cards or CFNA cards.

The shop can send you a 1stMILE Pay link through their 1stMILE software.

If lost, the shop can always re-send you a link.

Yes.

1stMILE Pay currently accepts Visa, Mastercard, American Express, Discover, and CFNA cards. You can also pay with any financing option that issues you a virtual credit card upon approval (ex: American First Finance).

Yes, you will need a smart phone as the pay link works through your browser.

If you see something unexpected on your invoice, it is best to contact the shop to clarify.

Many products in the automotive tire and service industry are private label cards with limited everyday use. The 1stMILE Mastercard can be used anywhere. In addition, cardholders enjoy larger credit limits and the opportunity for more rewards, with cashback on qualifying everyday purchases.

Most automotive maintenance, fuel, and travel categories. You'll receive 1% back in the form of a statement credit.*

Usually right away. Approved applicants can add the card to a mobile wallet and start paying with tap and pay before the physical card arrives.

Immediately after checkout, you will see two transactions on your credit card:

1. First Installment Payment

• This is a charge for your first installment.
• It recurs automatically based on the agreed upon schedule (usually monthly).
• Cannot be changed: The date or amount of this payment is fixed.

2. Authorization Hold

• This is not a charge and will not appear on your credit card bill.
• It guarantees your purchase to the Merchant and temporarily holds funds on your card.

Key details about the authorization

• The hold reduces your available credit until released.
• In most cases, the hold drops after a few business days, but some banks may hold funds for up to 30 days (or even the full length of your plan). Splitit does not control how long a bank keeps the hold.
• For some plans, the authorization is periodically re-authorized every 18–21 days, or every 180 days. The re-authorization amount reflects the current remaining balance of your plan, which decreases as you make payments.
• The authorization is a required part of paying in installments, as it protects your purchase and allows Splitit to charge future installments automatically.

You can find details about your re-authorization schedule (if any) in the Plan Creation email from Splitit and by looking in the Splitit Shopper Portal.

When using Splitit, you will see both types of transactions after creating your installment plan.

Payment (Charge)

• Money is charged to your card
• Posts to your account
• This is your scheduled installment payment

Authorization (Pending Hold)

• No money is taken
• Temporarily reduces your available credit (~7–30 days)
• Secures the remaining balance of your plan

See the Splitit FAQ section for more answers.

Roadside assistance is a set of services that can help when you have car trouble on the side of the road, in a parking lot, at work, or even at home. If you're stranded, a roadside assistance plan can help with services like changing a flat tire, jump-starting a dead battery or towing your vehicle to a repair shop.

Roadside assistance typically covers basic tasks that can get your car back on the road if you're stranded. These services include:

• Towing your car if it's had a mechanical breakdown or can't be driven
• Unlocking your car if you're locked out
• Delivering fuel if you run out of gas
• Jump-starting your car if your battery is out of power
• Changing a flat tire, including putting on your spare

Yes, cancel any time in the 1stMILE mobile app.

You can access and use Allstate's services through the 1stMILE mobile app for Android and iPhone or at roadside.allstate.com through any web browser. Just open the 1stMILE mobile app and tap on roadside.

No, coverage is available in the United States.

Your policy lives inside the 1stMILE mobile app. You can call for Roadside Assistance from the push of a button within the app or call (833) 449-3772 (only if you have an active Roadside Policy).

It's easy! Just provide the repair facility a copy of the first page of your contract and have them call us before they start any repairs. Typically repair shops are familiar with the process, but it never hurts to remind them! We'll authorize the covered repair and will pay them directly instead of reimbursing you later. If you need help you can always contact an Allstate claims specialists at 1-888-251-6441.

Your eligible repair provider is paid directly for the service (less any applicable deductible) as long as they have contacted us for payment authorization before initiating work.

Yes, and you will be refunded the pro-rated remaining amount.

You can choose which repair shop is convenient for you, including a dealer, as long as they are an approved, licensed repair facility for the service in question. This ensures that the repair facility provides a minimum of a twelve (12) months or twelve thousand (12,000) mile warranty on parts and labor from the date of service on all repairs completed. If you're not sure where to take it, our team of experts can direct you to a qualified repair provider near you.