Tesla introduced Buy Now, Pay Later (BNPL) for vehicle repairs in June 2025 via app update v4.46.0. This service allows US and Canada owners to split repair bills through Affirm and Klarna.
1. Service Availability & Integration
-
Markets:
US: Affirm + Klarna
Canada: Affirm only
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App workflow:
Appears at service estimate stage
Shows payment calculator before approval
Final payment option alongside credit cards
2. Payment Plans Compared
Provider |
Plan |
Max Amount |
Terms |
|---|---|---|---|
Klarna |
Pay in 4 |
$4,000 |
0% APR, 4 payments |
Klarna |
Financing |
$10,000 |
Credit-based, monthly |
Affirm |
Pay in 4 |
$500 |
Bi-weekly |
Affirm |
Financing |
$30,000 |
0-36% APR, 24mo max |
3. Key Considerations
Credit checks required for all financing
No fees: Late/prepayment/account fees waived
Refunds: Adjust remaining payments if service canceled
Best for: High-cost repairs like battery replacements
Note: Want to check your battery health first? Read our battery diagnostics guide.
4. User Benefits
Cost spreading for major repairs
Transparent terms upfront
Seamless integration in Tesla app
No surprises: APR shown before approval