Financing

Flexible Financing with Affirm

We have partnered with Affirm to offer monthly payment plans. Get back on the road today, and pay over time with Affirm.

  1. Start by prequalifying—apply here. Once approved, Affirm will provide you with a virtual credit card.

  2. Use your virtual card to complete your purchase by calling (800) 508-5999 to place your order directly.

  3. Enjoy your remanufactured engine, transmission, or other powertrain product today—and pay over time with Affirm.

 

Affirm Buy Now, Pay Over Time

What is Affirm?

Affirm is a financing alternative to credit cards, offering clear, simple payment terms. You can split your Gearhead Engines purchase into fixed monthly payments over 3, 6, or 12 months.
For example, on a $1,200 purchase, you may pay $105.58/month for 12 months at a 15% APR.

Why Choose Affirm with Gearhead Engines?

  • No hidden fees — know exactly what you’ll pay up front

  • Instant approval decision — apply in seconds

  • No credit card required

  • Prequalify with no impact on your credit score

Affirm gives you the flexibility to finance the powertrain components you need—whether it’s an engine, transmission, or drivetrain assembly—with monthly payments that fit your budget.

What You’ll Need to Apply

To qualify with Affirm, you must:

  • Be a U.S. resident (or territory)

  • Be at least 18 years old (19 in Nebraska)

  • Have a valid Social Security number

  • Use a U.S.-based mobile phone that can receive SMS

You’ll enter a few pieces of personal info (name, phone number, date of birth, last 4 of your SSN), and Affirm will make a real-time loan decision based on more than just your credit score.

Frequently Asked Questions
Q: Will financing affect my credit score?
A: Affirm performs a soft credit check that won’t impact your credit to show you your available options.
Q: Do I need to pay interest?
A: Some promotional plans include 0% APR; others may include interest depending on your credit.
Q: Who do I contact for financing questions?
A: Affirm handles all financing terms, payments, and customer support through their portal.
Q: Can I return an item I bought with Affirm?
A: Yes, you can return an item you bought with Affirm by initiating the return process with the store. Visit Affirm’s help center at https://helpcenter.affirm.com/

Gearhead Peace of Mind

When you combine Affirm financing with our industry-leading warranties, you can buy with total confidence—without the upfront financial stress.

Affirm Logo

To learn more about the Affirm Process, visit their Help Center for more information. helpcenter.affirm.com/s/