CCC offering consumer financing for repairs through CCC ONE

Collision repair shops can now offer customers flexible financing options to cover repair costs and insurance deductibles through the CCC ONE platform. 

The CCC ONE platform has integrated Sunbit to provide the consumer financing option, a CCC press release says. 

“The capability is designed to help repairers support their customers’ need for vehicle repair work by removing cost-related barriers, while giving their customers a more convenient, modern payment experience,” the release says. 

According to the release, more consumers are paying out of pocket while repair costs rise. It points to CCC ONE data that shows 25% of generated repair orders include self-pay repairs. 

“By embedding financing directly into the estimate process, shops can address cost concerns earlier, give customers clarity on how to pay, and increase the likelihood that repairs move forward,” the release says. “Shops can also use consumer financing as a pre-qualification tool to help their customers see their options before making an appointment from the shop’s Carwise profile or website.”

Rich Harrison, CollisionRight CEO, said his team presents payment options at the start of the repair process. 

“We’ve seen service acceptance increase, vehicles move through our bays faster, and Sunbit’s customer support has been a great extension of our commitment to customer service,” Harrison says in the release. 

CollisionRight operates 130 collision repair centers in the Midwest and Mid-Atlantic states. 

CCC says Sunbit provides fast decisions with approval rates of more than 90%. It also offers 0% interest payment options with no late fees, penalties, or hidden costs, without a hard credit check. 

Shops also receive payment upfront at the time of repair. 

“Cost can be one of the biggest barriers to getting a repair approved,” said Mark Fincher, CCC vice president of product management, in the release. “By embedding consumer financing into CCC ONE, we’re helping shops convert more estimates into approved work while giving them an option to provide their customers with an easier, more flexible way to pay.”

According to a 2026 study released by Capital One Shopping, 15% of American consumers used Buy Now, Pay Later (BNPL) options in 2024, with it being most popular among Millennials. 

BNPL usership increased by 50% between 2021 and 2024, the report says.

A new Lending Tree report also found that more than half of BNPL users said they couldn’t make ends meet without the loans. Twenty-nine percent said they used the loans for groceries, up from 25% a year ago, the report found.

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