Repair loans decided at the garage counter
Garages enter a repair bill, customers confirm who they are and pick a payment plan, and the garage is paid by bank transfer once the customer accepts.
From repair bill to last payment
4 steps-
1
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.
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2
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.
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3
Pay the garage
The loan amount goes to the garage by bank transfer, so the car can be finished and handed back.
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4
Repay in parts
The customer gets a reminder before each date and pays by UPI. The lender watches late accounts on the dashboard.
What the platform does
Web · Android · iOSGarage 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.
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.
The customer app
Android · iOS
The lender sees every application
Each application arrives with the garage, the bill, the ID check result and the rule that decided it. The lender team changes the rules for the next day without a developer.
- Decision at the counterThe garage sees a yes or no on screen, and doubtful cases go to a person.
- Simple ID checkA phone code, a selfie, and a short reason for each step.
- Plans shown upfrontThe monthly payment for 3, 6, 9 or 12 months is shown before accepting.
One platform, three sides
Garages
Enter the bill and customer details, then see the answer on screen.
Customers
Pick a repayment plan, accept it in the app and pay by UPI.
Lender team
Set the rules, watch late accounts and change the next day rules.
FAQ
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.
See Fixfund in action
Walk through the garage portal, the customer app and the lender dashboard.