Skip to main content
Service writer presenting an estimate to a customer at the shop counter
1STMILE FINANCING

Bigger tickets.More approvals.

Your customers choose a path to "yes" with options that work for them: multi-lender financing and automated credit matching, the 1stMILE Mastercard, or buy now, pay later.

Get Started
WELCOME TO 1STMILE FINANCING

Help customers find the right option at the right time

1stMILE embeds financing into your checkout so customers see the right option at the right time. A single application can instantly route and match customers through multiple credit providers, including the 1stMILE Mastercard. Buy now, pay later is available at the terminal, giving customers another way to pay. It all works behind the scenes, orchestrated across your workflow and checkout channels.

Automated Credit Matching
Prime
Near-prime
No credit
Multi-lender approvals in a single, seamless application
The 1stMILE Mastercard
Flexible financing for today, and spending power beyond the repair
Buy Now, Pay Later
6
months
9
months
12
months
18
months
Spread the cost of a big purchase into equal payments
Business Financing
1stMILE Business Mastercard
Coming soon
  • Many lenders, one integrated technology
  • Configurable, down to the individual shop
  • A growing ecosystem of financing options
Lender integrations & finance partners
CFNA
Synchrony
Bread Financial
American First Finance
Snap
Acima
Fortiva
Concora
The Bank of Missouri
LendPro
EasyPay
Citi
Splitit
Mastercard

Flexible financing with 1stMILE means no separate terminals. 
No training your team on a new system.
We make it seamless for your customers to say "yes" to the work.

THE 1STMILE MASTERCARD

Capture approvals other lenders miss

The 1stMILE Mastercard sits alongside prime lenders or can be offered in  the near-prime spot, catching the approvals prime lenders miss.

For your shop:
  • Drivers apply on their phone or at the terminal.
  • No underwriting or application.
  • Works with your existing surcharging or cash discounting programs.
For your customers:
  • Instant approvals up to $10,000, 1% cashback on qualifying purchases.*
  • Accepted anywhere Mastercard works.
  • Risk-free prequalification with no hard credit pull.
1stMILE Mastercard card art
$622 Million
in repair orders financed across the 1stMILE network annually
1STMILE BUY NOW, PAY LATER

Spread the cost. Close the ticket.

1stMILE Buy Now, Pay Later powered by Splitit lets drivers split any repair into monthly installments on the Visa or Mastercard they already carry. No application, no new account, no waiting.

85%+
Approval Rate
85%+ approval rate

vs ~35% industry average for traditional BNPL. More customers approved, more jobs closed.

5-second
Checkout time
5-second checkout

vs ~55 seconds for traditional Buy Now, Pay Later solutions. No application, no waiting. They pick a term and go.

+23%
Average Order Value
+23% Average Order Value

Buy Now, Pay Later with Splitit helps automotive shops capture revenue that traditional financing workflows often lose.

Rewards
Customers keep them
Customers keep their rewards

Installments run on their existing card. Every installment still earns the cashback, points, or airline miles their credit card already gives them.

Splitit payment selection screen showing installment options

Image shows an illustrative example. Terms vary.

Get an Eligibility Check link for your website. Drivers preview estimated monthly payments and show up ready to approve the work.

Why it matters

Financing changes the ticket and keeps drivers on the road

When drivers can't afford a repair or new tires, they don't just delay the work—they risk getting to their job, picking up their kids, and managing everyday life. Financing not only increases approvals and ticket size, it gives your customers a way to keep their life moving. 

+ $237
Average increase in ticket spend when 1stMILE financing is available
+ $4,740
Additional monthly revenue at 20 financed jobs
Get started with 1stMILE

Ready to get more drivers back on the road?

See how financing with 1stMILE fits into your checkout.

EXPLORE MORE

See what else 1stMILE offers for your business

Payments

Integrated processing built for how tire and repair shops actually run.

Learn more

Loyalty

Grow average repair order and retain customers with loyalty that runs itself.

Learn more

Protection

Roadside help and vehicle coverage that bring covered repairs, and reliable reimbursement, back to your shop.

Learn more

The 1stMILE Mastercard is issued by The Bank of Missouri, pursuant to license by Mastercard International.

* 1% cash back rewards will be earned on eligible purchases of goods and services and bill payments. Rewards will be earned when the transaction posts to the account and will remain as long as the purchases and payments are not returned or credited.

** Fraud liability subject to Mastercard rules.

*** The free credit score will be available at 1stmile.cardservicing.com starting 60 days after an account is opened. (Registration required) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.