Factory warranty expired?

You’re not out of options.

Once factory coverage ends, every repair becomes your responsibility.

That can feel overwhelming — especially with today’s repair costs. But this isn’t a crisis moment. It’s the moment to take control of how you want to own your vehicle moving forward.

Explore your options Start your application

Want the full roadmap? Read the complete out-of-warranty guide

Know exactly where you stand

Understand what coverage ended, what might still apply, and what your real financial exposure looks like.

Run the numbers before reacting

A single repair bill can feel big — but restarting depreciation and higher payments can cost far more over time.

Turn uncertainty into strategy

If you’re keeping the car, align your payments and repair risk so your monthly costs remain predictable.

If your factory warranty expires,
what do you do next?

You can trade the vehicle and start over. You can fix it and keep driving. Or you can restructure your payments and put a plan in place so future repairs don’t feel like financial emergencies.

The smartest path depends on how long you plan to keep the car and how much volatility you’re willing to absorb.

What actually expired?

Clarify what changed and what it means.

Fix it or replace it?

Compare repair cost vs starting over.

Review financing options Apply online now

The complete roadmap

Factory warranty expired? Read all about it here.

When your warranty runs out, the worst move is reacting emotionally to the next repair quote. The best move is getting clear on your options, your costs, and what you want the next 12–24 months of ownership to look like.

What you’ll learn in the out-of-warranty guide

This guide is designed to help you make a confident decision, not a rushed one. Here’s what it covers.

What expired vs what still matters

Computers, ABS, infotainment systems, and the stuff most people miss.
How to think about repair risk

What “one big repair” can do to your budget, and how to plan around it.
Fix vs trade-in, with real math

A clear way to compare repairs against higher payments and starting over.
How to build a predictable plan

If you’re keeping the car, this shows how to reduce surprises and keep control of your finances.

Read the full guide Apply online

Quick summary

If you’re out of warranty, you don’t need to immediately trade in your car, and you don’t need to accept unpredictable repair bills as “normal” either. The smartest move is choosing a path that matches your budget, your timeline, and how long you want to keep the vehicle.

That’s exactly what this guide helps you do: get clarity, run the math, and take action with confidence instead of guessing.

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