Repair Now.
Pay Later.

Cover important car care costs with Opy.

Download the Opy app to get started.

Take more time to pay.

From 6 to 24 months.* With flat, predictable payments and no hidden fees.

Sign Up

Download our app to create an account and apply for a quick decision

Select a Plan

Choose a plan length and payment date that work for you

OpyPay

Make your first payment today and pay the rest in manageable installments

Payments designed around you.

The breakdown.

Whether you need $500, $1,000 or up to $20,000 – we have a plan to meet your needs.**

$1,000 purchase example

Option 1

6 Months

  • Purchase $1,000.00
  • Initial payment $55.00
  • 6 monthly payments $162.11
  • APR 9.97%

OpyPay Total $1,027.66

Option 2

12 Months

  • Purchase $1,000.00
  • Initial payment $55.00
  • 12 monthly payments $83.06
  • APR 9.95%

OpyPay Total $1,051.72

$2,000 purchase example

Option 1

6 Months

  • Purchase $2,000.00
  • Initial payment $110.00
  • 12 monthly payments $324.23
  • APR 9.98%

OpyPay Total $2,055.38

Option 2

12 Months

  • Purchase $2,000.00
  • Initial payment $110.00
  • 12 monthly payments $116.14
  • APR 9.98%

OpyPay Total $2,103.68

Option 3

24 Months

  • Purchase $2,000.00
  • Initial payment $110.00
  • 24 monthly payments $166.16
  • APR 9.98%

OpyPay Total $2,202.80

Get the app

Download the Opy app to get started.

Visit Opy.com

*Payment examples above show an Annual Percentage Rate (APR) for each option.

**Loan options vary depending on eligibility and purchase amount. Eligibility based on your credit history and subject to a credit check, which will not impact your credit score. Examples of repayment based on loan terms: loan of $2,000 for a 6 month term with an annual percentage rate (APR) of 9.99%, the monthly payment will be $324.20 Initial payment of 5% of your purchase price due at checkout, which includes a non-refundable plan establishment fee of 0.5%. Monthly maintenance fee applies. Fees are used to calculate the APR and in no event will the APR exceed 9.99%. Loan plans (fixed-rate, installment loans) through Opy USA Inc are made by Cross River Bank, Member FDIC. © Opy USA Inc 2021.