One graduated fee on every transaction. The larger the balance, the smaller the percentage — down to a floor at $30,000.
Both bars use the same scale, so you can compare them directly. Paying by card costs a fraction of what financing costs on a small balance, and the two converge as the amount grows.
Your exact percentage depends on the balance. Every tier is shown in the app before you confirm — you always see the final total first.
| Balance | Fee |
|---|---|
| Smallest balances | 2.9% |
| intermediate tiers to be filled in | — |
| $30,000 and above | 1.9% |
| Balance | Fee |
|---|---|
| Under $500 | 14.9% |
| intermediate tiers to be filled in | — |
| $30,000 and above | 2.9% |
Only the endpoints are filled in, because those are the figures confirmed so far. Send the actual breakpoints and rates between them and they drop straight into these rows.
Two separate charges apply when you finance. TowFi's fee is the graduated percentage above. Affirm's interest is set by Affirm, starts at 0%, and depends on your eligibility — some customers qualify for 0% APR, others don't.
Checking your options with Affirm does not affect your credit score. Financing is subject to approval, options depend on the purchase amount, and a down payment may be required. Affirm payment options are provided by these lending partners: affirm.com/lenders.
Secure payment processing through Stripe, the platform itself and its upkeep, customer support, and management of the provider network.
Balances set by others are not ours and we don't mark them up. Impound yards set their own tow-in, storage, and gate fees. Shops, insurers, and warranty providers set repair totals, deductibles, and approved amounts.