Every total is the provider’s price plus one service fee, and that fee is one flat rate on every balance — whether you pay by card or pay over time with Affirm or Sunbit.
Both bars use the same scale, so you can compare them directly. Neither fee changes with the size of the balance.
There are no tiers. The same percentage applies to a $50 balance and a $30,000 one, and the exact dollar figure is shown in the app before you confirm — you always see the final total first.
| Part | Fee |
|---|---|
| Stripe payment fee (on the total) | 2.9% + 30¢ |
| TowFi one-time fee (on the balance) | 2.9% |
| Service fee you see, every balance | 5.97% + 31¢ |
| Part | Fee |
|---|---|
| Stripe payment fee (on the total) | 6% + 30¢ |
| TowFi one-time application fee (on the balance) | 3.9% |
| Service fee you see, every balance | 10.53% + 32¢ |
| Lender fee (Affirm or Sunbit) | none — the lender sets an APR |
Stripe takes its fee from the whole total, including the service fee itself, so TowFi’s 2.9% and 3.9% are grossed up to cover that. The provider receives the full balance; TowFi keeps exactly its share; Stripe keeps exactly its fee.
Three parties touch a Pay Over Time payment, and only two charge a fee. Stripe charges a payment fee of 6% plus 30¢ on the total. TowFi charges a one-time application fee of 3.9% of the balance. Together those make the flat 10.53% plus 32¢ service fee shown above, which is included in your total before you confirm. Your lender — Affirm or Sunbit, whichever you choose on the checkout page — charges no fee. The lender sets an APR, starting at 0%, that depends on your eligibility and is shown before you accept — some customers qualify for 0% APR, others don't. Affirm’s APR runs up to 36%, Sunbit’s up to 35.99%; neither charges late fees or prepayment penalties.
Checking your options does not affect your credit score with either lender. Pay Over Time is subject to approval; if one lender declines you can try the other at no cost. Affirm covers balances from $50 to $30,000, and a down payment may be required; its payment options are provided by these lending partners: affirm.com/lenders. Sunbit covers $60 to $19,999.99 and collects a first payment at checkout from a bank-issued debit card; Sunbit loans are made by Transportation Alliance Bank, Inc. dba TAB Bank, and Sunbit Now, LLC (NMLS ID 1760582) is not the lender.
Secure payment processing through Stripe, the platform itself and its upkeep, customer support, and management of the provider network. Your provider is the merchant of record on every transaction; TowFi collects its one-time application fee through Stripe and never holds the funds.
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.