Help your customers cover important vehicle care costs

See the many ways you and your customers can benefit from Opy – the Buy Now, Pay Smarter solution.

What type of company are you?

Don’t let cost compromise care.

Common auto repair costs can average $500 to $600 and in many cases go much higher. According to AAA, one in three American drivers would be unable to pay for unexpected car repairs.1 Opy is the answer.

The right payment solution for your customers.

Sign up.

Your customers can download our app to create an account and apply for a credit decision.

Easy budgeting for larger spends.

Vehicle owners can avoid the stress of lump sum payments with loan amounts from $500 to $20,000.

No hidden fees or unexpected surprises.

With Opy all costs are flat, fixed and predictable with no hidden fees.

Flexible, hassle-free finance.

Your customers can choose the plan length and terms that work best for them – with more time to pay from 6- 24 months.2

Removing obstacles to important repairs.

Answering the needs of vehicle owners.

Opy makes vehicle repairs more manageable with monthly repayments and plans that are designed to work around when your customers get paid.

Cashflow certainty.

We take on the payment risk – your business gets paid the next working day, while your customers pay us in monthly installments.

Fair, transparent pricing.

We offer highly competitive rates to our partners.

Grow and retain your customer base.

Retain, reach, and attract new customers by offering a better experience.

Opy is tried and trusted around the globe.

Smart solution. Real results.

Our transparent and responsible solution is trusted by consumers and businesses across two continents and is now available in the U.S. When offering Opy, some of the benefits include:

  • Greater conversion
  • Higher sales
  • Increased customer loyalty


2 Loan options vary depending on eligibility and purchase amount. Eligibility based on the applicant’s credit history and subject to a credit check, which will not impact the applicant’s 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; loan of $2,000 for a 12 month term with a 9.99% APR, the monthly payment will be $166.15; loan of $2,000 for a loan of $2,000 for a 24-month term with a 9.99% APR, the monthly payment will be $87.20. Initial payment of 5% of the applicant’s 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. © 2022 Opy USA Inc.