Garage portal
The garage enters the customer, the vehicle, the work done and the bill amount, and adds a photo of the bill. A short form on one screen is enough.
Portfolio · Fixfund
Fixfund: Auto Repair Loan App and Decision Platform
Fixfund is a point of sale loan platform for car repairs, designed and built by our team. The garage enters the repair bill, the customer is checked and gets a yes or no in seconds, the garage is paid, and the customer repays in monthly parts through the app.
Fintech and auto repair
Lender web admin + garage portal + customer mobile app
Web · Android · iOS
Fixfund · admin
Fixfund was designed and built by the PRS CloudTech team.
3
Apps
4
User roles
5
Screens shown
The garage
Loan is paid to
The brief
What this kind of loan needs
A big repair bill is a bad surprise. A clutch or a gearbox can cost more than a month's pay. The customer has the car on a lift and the garage wants an answer today.
Banks take days to decide. Card limits are often too small. Many customers leave without fixing the car, and the garage loses the job.
-
1
A quick answer
The customer is standing at the counter, so the decision has to come in seconds, not days.
-
2
Clear rules
The lender needs to set simple limits and see why each request was approved or declined.
-
3
Safe for the lender
The money should go to the garage against a real bill, and the customer's ID should be checked.
-
4
Easy for the customer
The monthly amount should be clear before saying yes, and paying should take one tap.
What we designed
Inside Fixfund
Fixfund follows one repair bill from the garage counter to the last payment. These are its six parts.
Instant decision
The system checks the request against the lender's rules and shows the answer on the garage screen. The decision takes seconds, and doubtful cases go to a person to review.
ID check
The customer confirms their phone number, enters a code sent for their ID and takes a selfie. The steps are short and the screen says why each one is needed.
Customer offer
The customer sees the bill amount and picks a plan, such as 3, 6, 9 or 12 months. The monthly payment is shown next to each plan before they accept.
Payout to the garage
Once the customer accepts, the loan amount is sent to the garage by bank transfer. The garage sees each request move from approved to paid.
Repayments and rules
The customer sees the payment plan, gets a reminder before each date and pays by UPI. The lender sees late accounts and can change the rules for the next day's requests.
Screens
How Fixfund looks
The mobile app
How it works
Key journeys, step by step
Here is how the main tasks work on the platform, from the garage counter to the last payment.
Apply at the counter
The garage enters the bill and the customer's details. The customer gets a code on their phone and confirms who they are.
Get a decision
The answer shows on both screens in seconds. If it is a yes, the customer picks a plan and accepts it in the app.
Pay the garage
The loan amount goes to the garage by bank transfer, so the car can be finished and handed back.
Repay in parts
The customer gets a reminder before each date and pays by UPI. The lender watches late accounts on the dashboard.
Suggested technology
Laravel
MySQL
Flutter
Redis
Aadhaar OTP check API
UPI collect API
What we would deliver
Product planning
UI/UX design
Web app development
Mobile app development
Payment integration
FAQ
Questions about building a product like Fixfund
What is a point of sale loan?
It is a small loan offered at the time of payment. Here, a customer who gets a big repair bill at a garage can split it into monthly payments instead of paying all at once.
What drives the cost of building a loan platform like this?
The main drivers are the number of apps (garage, customer, lender), the ID check and credit data providers you connect, the payment and bank transfer setup, and how many decision rules the lender team needs to edit on their own.
Can you build a loan platform like this for my business?
Yes. We can build the garage portal, the lender dashboard and the customer app, and connect them to ID checks, payment collection and bank payouts. The lending licence and funds would be yours.
How does the instant decision work?
The lender sets simple rules, such as a limit for each garage, an ID match and no other open loan. The system checks each request against them in seconds. Doubtful ones go to a person to review.
Who gets the money?
In this design the loan is paid straight to the garage. The customer never handles it and only repays the plan they picked.
#auto-repair-loan-app
#point-of-sale-loan-software
#loan-decisioning-software
#buy-now-pay-later-app
#lending-platform-development
#garage-finance-app
Want a product like Fixfund?
Tell us who will use it and what it must do. We will reply with a plan, a timeline and a price.
