Service Payment Plan
Offer More. Qualify Everyone. Close the Sale.
Make Protection Affordable with Service Payment Plan (SPP)
Turn “not right now” into “yes today” with 0% interest payment plans that every customer qualifies for
Torque Group’s Service Payment Plan (SPP) gives dealers a simple way to offer payment flexibility on any F&I product. Whether the customer is a cash buyer, price-sensitive, or maxed on financing, SPP keeps protection plans within reach—with no credit check and no added fees.
Why Service Payment Plan?
Too many customers skip protection because they don’t want to add to their loan—or don’t think they qualify. SPP changes that:
- 0% interest with no finance charge
- No credit check required—everyone qualifies
- Available on VSC, PPM, Tire & Wheel, Battery, and Wear Care Plus
- Terms from 6 to 24 months
- Payment can be made by card, check, or bank account
How It Works
- Dealer offers SPP as part of the F&I process
- Customer selects a protection product and payment term
- SPP automatically splits the cost into monthly payments
- Customer receives online access, payment reminders, and account management tools
- Dealers stay in control with instant setup through Torque Group’s system
When to Use SPP
- Cash buyers who want protection without rolling into financing
- Capped customers who’ve reached lending limits
- Buyers resisting a higher monthly payment
- Anyone who values flexible, interest-free payments
Benefits for Dealers
- Increase product penetration across all buyer types
- Remove affordability objections with flexible payment terms
- Keep deals moving—no waiting for credit approvals
- Strengthen customer satisfaction with accessible protection
- Seamless integration with PCRS and dealer portal
What to Know Upfront
SPP is available to all Torque Group dealers with no extra setup—just complete the dealer agreement and start offering payment plans immediately. You get built-in training and support, and your customers get the simplest, most inclusive option to protect their investment.
Partner With Torque Group
We make it easy for your team to offer payment plans that truly work. With 0% interest, simple setup, and 100% approval, the Service Payment Plan is another way Torque Group helps you close more—and protect every sale.
SPP Marketing Materials
Equip Your Team to Sell with Confidence
Visual tools that help your team promote 0% interest payment plans clearly, consistently, and in both English and Spanish
Make sure your customers know they can protect their unit with no upfront cost and no interest. These professionally designed posters and stickers are available to Torque Group dealers at no cost, and are a simple way to support your sales conversations at the counter, in the showroom, and in the service bay.
Ready to Order?
Each dealer may request up to 10 posters per order, and all materials can be laminated upon request. Spanish versions are available for all posters except the license plate design.
Poster & Sticker Options
Odometer Poster
A mileage-themed visual that gets customers thinking about long-term coverage—available laminated or unlaminated.
Duct Tape Poster
Lighthearted and memorable, this poster reminds customers that patchwork repairs aren’t their only option.
0% Wrench Poster
Puts the savings front and center with a striking wrench design—helps reinforce that everyone qualifies for SPP.
License Plate Poster
Customizable by state or province, this design ties payment flexibility directly to your location. (Available in English only.)
Zero Interest Poster
Bold reminder that customers can choose a 0% interest payment plan—available in English and Spanish, with two size options.
Stop Sign Stickers
Small red stickers you can place on repair orders to prompt last-minute VSC conversations—reminding customers they're still eligible.
