European auto repair isn't cheap. A cooling system rebuild on your BMW, a timing chain service on your Audi, a PDK service on your Porsche — these are real repair bills that most drivers didn't budget for this month. Dynasty Automotive works with two financing partners that let you fix your car right now and pay over time. Apply online in minutes. Approval decisions in seconds. Both partners cover different credit profiles — one for good credit customers looking for promotional financing, one for anyone who's had credit challenges. You have options.
Most auto shops offer one financing option, and it only works for customers with strong credit. Dynasty works with two partners because our customers have different needs. If you have good credit and want to take advantage of promotional financing (0% interest if paid in full during the promo period), Synchrony Car Care is the right fit. If you've had credit challenges or want an application that doesn't touch your credit score, BDS Group offers income-based approval with no hard credit pull.
Both options let you apply online, get an approval decision within seconds, and use your approval at Dynasty for repairs, tires, or scheduled maintenance. Both work whether you're a first-time customer or a longtime Dynasty regular. And both are separate from your primary credit card — meaning you're not tying up your daily-driver credit line to fix your car.
Below are the details on each. Take a look at both, see which one fits your situation, and apply. If you're not sure which is right for you, call the shop at (407) 896-8700 and we'll walk you through it.
The Synchrony Car Care credit card gives you 6 months of deferred interest promotional financing on qualifying purchases of $199 or more. Pay the balance in full within 6 months and you pay zero interest. It's a real 0% offer if you plan for it. The card is also accepted at over 500,000 auto parts and service businesses nationwide plus 200,000+ gas stations, so it's useful beyond just Dynasty.
BDS Group specializes in car repair financing for customers who don't fit traditional credit approval. Their program is income-based — meaning approval depends on your ability to make the payments, not your credit score. The application takes minutes on your phone or computer, approval decisions come in seconds, and the process doesn't result in a hard pull on your credit. Approval amounts up to $7,500 with affordable pay-over-time plans.
Both are legitimate options. The right one depends on your credit profile and how quickly you plan to pay off the balance.
| Synchrony Car Care | BDS Group | |
|---|---|---|
| Credit Requirement | Standard credit approval | Income-based, no credit needed |
| Credit Pull | Soft pull for prequalify, hard pull if you apply | No hard credit pull |
| Approval Amount | Based on credit approval (typical credit card limit) | Up to $7,500 |
| Promotional Financing | 6 months, 0% if paid in full | Pay-over-time plan, no promo period |
| Down Payment | None required | None required (when approval exceeds invoice) |
| Application Process | Online, instant decision | Online, seconds-fast decision |
| Contract Signing | Credit card account setup | DocuSign on your device |
| Use Elsewhere | Yes — 500,000+ auto shops nationwide | Dynasty repair only |
| Best For | Good credit + plan to pay off within 6 months | Credit challenges, or want to protect credit score |
Whichever option you choose, the flow is the same. Apply, get approved, use it for your Dynasty repair.
Fill out the application on your phone, tablet, or computer. Synchrony asks standard credit application questions. BDS asks income and identity verification questions. Both applications take a few minutes.
Both lenders return approval decisions in seconds. Synchrony gives you a temporary account number you can use immediately. BDS sends you a DocuSign contract to review and sign electronically.
Bring your approval to the shop (or apply before you drop the car off). We process the transaction just like a normal payment method. Your car gets repaired. Your payments start according to your plan.
The water pump, thermostat housing, and expansion tank all fail around the same 70-90k mile window on N-series BMW engines. Rebuilding the whole cooling system is standard practice — but the parts and labor combined can run $1,800-$2,500. Financing lets you fix it right (not just patch the failed part and wait for the next one) without draining your bank account this month.
The 2008-2013 Audi 2.0T TFSI timing chain tensioner is a known preventive service — do it before it fails and you save your engine. Skip it and the engine can destroy itself, costing $10,000+ to replace. The preventive service runs $1,500-$2,000. Financing makes the preventive-vs-catastrophic choice much easier.
Porsche PDK fluid service every 40,000 miles is critical — skipping it wears out the clutch packs prematurely and can lead to a $6,000-$10,000 transmission rebuild. The service itself runs $600-$900. Financing makes the correct maintenance interval affordable so you never end up staring down the rebuild bill.
Air suspension systems on Airmatic Mercedes, Range Rovers, and Q7s eventually develop leaks and compressor failures around 80-120k miles. Fixing it properly (rebuild the compressor, replace failed corner airbags) typically runs $2,000-$4,000 depending on how many components are involved. Financing keeps your daily driver at ride height without a huge upfront hit.
A cooling system rupture on the way home. A transmission fault light on the way to work. A HPFP failure that leaves you stranded. Emergency European repairs almost never come at a convenient time. Financing lets you get back on the road without deferring the repair or waiting until "next payday."
Dynasty offers financing because we care more about doing repair correctly than we do about capturing the biggest single-visit invoice. When customers can't afford the correct repair, they often ask us to patch symptoms instead of fixing root causes — replace a valve cover gasket without addressing the failing oil filter housing, top off the coolant without rebuilding the cooling system, install one air suspension bag without replacing the failing compressor. That's how small problems become expensive problems six months later. Financing lets us do the work right the first time. That's better for your car and better for our reputation.
No. Both Synchrony Car Care and BDS Group let you apply online from your phone or computer before you bring your car in. Approval decisions come back in seconds. You can walk in with your approval already in hand.
BDS Group does NOT do a hard credit pull — their approval is based on income, and your credit score isn't affected. Synchrony Car Care lets you prequalify with a soft pull (no impact) first; a hard pull only happens if you complete the full application. If protecting your credit score is a priority, BDS is the safer choice.
BDS Group is specifically designed for customers with past or present credit issues. Their income-based program approves based on your ability to make payments, not your credit history. If Synchrony denies you, BDS often approves.
Yes. Both financing options can be used for any Dynasty invoice — scheduled maintenance, brake service, tires, diagnostic work, or major repairs. Anywhere you'd normally pay cash or credit card at the shop, financing can substitute.
Synchrony Car Care's 6-month promotional financing requires a minimum $199 purchase. BDS Group has no minimum but is designed for larger repair invoices where financing makes sense.
Yes for both. Synchrony Car Care has no early payoff penalty — and in fact, paying off within the 6-month promo period is how you keep the interest at 0%. BDS Group offers early buyout options that save you money on the total cost.
Synchrony's 6-month offer is deferred interest financing. If you don't pay the full promotional balance within 6 months, interest is retroactively applied from the original purchase date at the standard APR (currently 34.99% for new accounts as of the latest published terms). Plan accordingly — this is the trade-off for getting 0% during the promo period.
Yes. Many customers put a portion of the invoice on financing and pay the rest in cash or on their regular credit card. This is common when the financing approval doesn't quite cover the full repair, or when you want to keep the financing balance smaller.
We don't offer in-house payment plans — Synchrony Car Care and BDS Group are our two financing partners. Both are established, reputable financing companies designed specifically for auto service. Our role is doing the repair right; theirs is handling the financing side properly.
Contact the financing company directly — they manage the account, billing, and payments. Synchrony Car Care customer service is available through synchrony.com or the number on the back of your card. BDS Group can be reached at 985-250-0400. Dynasty handles the repair; the lender handles the loan.
Not sure which financing option is right for your situation? Want a diagnostic estimate before you apply so you know the loan amount you need? Call the shop at (407) 896-8700 — we'll walk you through it and answer any questions.