One of the biggest advantages of 360 Payments’ integrated Consumer Financing Program (CFP) is how easy it makes offering financing to customers. With financing options built directly into the payment experience and payment links, the conversation can happen naturally. without adding friction to the customer experience.

In many cases, it even becomes the icebreaker.

Instead of an uncomfortable conversation around price, your advisors now have a tool that helps shift the discussion toward solutions, reliability, and affordability.

But what if we told you CFP could do more than just help close an RO?

What if it could help grow them?

The auto repair shops seeing the biggest success with consumer financing are not just using it as a payment option. They are using it as a growth strategy.

We’ve seen businesses increase their Average Repair Order (ARO) by training service advisors to confidently discuss deferred work, maintenance recommendations, and auto repair financing options in a way that feels educational, not pushy.

Let’s be honest: most Americans are living paycheck to paycheck right now. That doesn’t mean vehicle problems stop happening. Customers still rely on their vehicles every single day to get to work, pick up their kids, run their business, or even deliver food through apps like DoorDash.

The reality is that many customers want to complete the repairs. They just need a realistic path to make it happen.

That’s where service advisor training becomes critical.

The highest-performing auto repair locations are usually the ones that:

• Train advisors to confidently explain financing options

• Discuss deferred work before it becomes a larger issue

• Build trust instead of pressure

• Create consistent financing conversations across the team

• Track KPIs tied to financing utilization and ARO growth

Some shops naturally outperform others with CFP adoption, and a lot of that comes down to leadership, consistency, and advisor confidence.

To measure your success with consumer financing for auto repair, consider tracking:

• Financing utilization rates

• Deferred work recovery

• Average Repair Order by advisor

• Advisor close percentages

• Customer retention after financed repairs

By investing in your service advisors and building a process around auto repair financing conversations, 360 Payments’ CFP becomes more than just a way to close repair orders.

It becomes a way to scale your auto repair business, improve customer experience, increase ARO, and help customers safely stay on the road.

Consumer financing for auto repair is not just about approvals anymore.

It’s about opportunity.