Financing

Finance Your Gearhead Engine 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 on GearheadEngines.com, or call us at (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.

Click to Apply

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.

Does Applying Affect My Credit Score?

No — checking your eligibility with Affirm will not impact your credit score. If you choose to finance your purchase, your loan and payment history may be reported to credit bureaus, which can help you build credit if you pay on time.

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.

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