WrapCred works with a wide range of vehicle wrap styles, including color changes, and commercial wraps. We are only financing full wraps at this time.

When you apply through WrapCred, our lending partner performs a soft credit check, which does not affect your credit score. If you're approved and decide to move forward, lenders may later perform a hard credit inquiry when finalizing the loan—this can have a small, temporary impact on your credit.

WrapCred works best with approved partner shops—these are shops we’ve vetted for quality, reliability, and customer service. You can choose any shop, but we strongly encourage you to avoid going with the cheapest option just to save a buck. A low-cost wrap can end up peeling, fading, or bubbling—and you're still responsible for repaying the loan, even if the shop does a bad job.

Your financing covers the wrap, not the quality of the work. That’s why we recommend working with trusted shops who stand behind their installs with a warranty.

WrapCred helps you finance the cost of your wrap—we don’t install it ourselves. If you’re unhappy with the quality of the work, you’ll need to address it directly with the wrap shop. Most reputable installers offer warranties or will make things right if there’s a problem.

But it’s important to know: your loan still needs to be repaid, even if the install isn’t perfect. That’s why we recommend choosing a trusted shop—preferably one from our approved network—to avoid headaches down the road.

Contact us at support@wrapcred.com to learn how to become an approved provider and start offering financing to your customers.

Do I get paid upfront as a shop? Yes, once the loan is approved and the down payment is made, WrapCred releases payment to the shop before installation begins.

Is there a fee for shops to offer WrapCred? WrapCred does not charge shops upfront fees to participate. Terms may vary depending on the volume of financed work.

What if a customer defaults on the loan? WrapCred absorbs the risk of customer default. Shops are paid upfront and are not responsible for loan performance.

Can I promote WrapCred on my website or in my shop? Absolutely. We provide marketing assets and messaging to help you advertise financing to your customers.