Scheduled Maintenance Financing

Factory maintenance schedules exist for a reason—following them prevents breakdowns and maintains resale value. Major services at 30K, 60K, and 90K miles can be expensive. Tresl helps you stay on schedule without financial stress.

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📅 30K Service
🔧 60K Service
⚙️ 90K Service
⏰ Timing Belt
$200-$400Minor Service
$400-$800Major Service
$800-$1,50090K+ w/Timing Belt
7.99%APR Starting Rate

Understanding Service Intervals

Manufacturer maintenance schedules are designed around component wear patterns and fluid degradation.

Minor Service

Every 15,000-30,000 miles
$150-$350

What's Included

  • Oil and filter change
  • Tire rotation
  • Multi-point inspection
  • Top off fluids
  • Check brakes
  • Replace air filter
  • Replace cabin filter

Major Service

Every 60,000-90,000 miles
$400-$800

What's Included

  • Everything in minor service
  • Spark plug replacement
  • Transmission fluid service
  • Coolant flush
  • Brake fluid flush
  • Power steering flush
  • Fuel system cleaning

Critical Service

90,000-105,000 miles
$800-$1,500

What's Included

  • Everything in major service
  • Timing belt/chain inspection or replacement
  • Water pump (often done with timing belt)
  • Drive belt(s) replacement
  • Differential fluid service
  • Suspension inspection
  • Comprehensive diagnostics

Typical Maintenance Timeline

Here's what to expect at each major service interval.

30KMILES

30,000 Mile Service

First major milestone. Typically includes comprehensive fluid checks, air filter replacement, tire rotation, and detailed inspection. May include first transmission fluid service depending on manufacturer.

Typical cost: $200-$400
60KMILES

60,000 Mile Service

Major service interval. Spark plugs due on many vehicles, transmission service, coolant flush, brake fluid service. This is when deferred maintenance catches up with neglected vehicles.

Typical cost: $400-$700
90KMILES

90,000 Mile Service

Critical interval especially for timing belt vehicles. Includes everything in 60K plus timing belt/chain inspection, water pump consideration, all drivetrain fluids. Often the most expensive service.

Typical cost: $700-$1,500
100K+MILES

100,000+ Mile Service

High-mileage vehicles need extra attention. Spark plugs if not done at 60K, suspension component inspection, potential coolant hose replacement, and assessment of wear items approaching end of life.

Typical cost: $500-$1,000

Critical Maintenance Items

Some maintenance items, if skipped, lead to catastrophic (and expensive) failures.

⚠️ Don't Skip These Services

Timing Belt

Rubber belt that synchronizes engine valves with pistons. If it breaks, valves and pistons can collide, destroying the engine. Not all vehicles have them—some use timing chains.

Replace: 60,000-105,000 miles | Cost: $500-$1,200
💧
Coolant System

Old coolant becomes acidic and loses freeze/boil protection. Causes overheating, head gasket failure, and radiator/heater core corrosion. Much cheaper to prevent than repair.

Replace: Every 30,000-50,000 miles | Cost: $100-$175
⚙️
Transmission Service

Automatic transmissions are expensive to replace ($3,000-$6,000). Regular fluid service extends life dramatically. CVT transmissions are especially sensitive.

Replace: Every 30,000-60,000 miles | Cost: $150-$300
🔧
Drive Belts

Serpentine belt drives alternator, AC, power steering. A broken belt leaves you stranded. Belts are cheap; tow trucks aren't.

Replace: Every 60,000-100,000 miles | Cost: $100-$200

💡 Timing Belt vs Timing Chain

Timing chains generally last the life of the engine and don't require scheduled replacement. Timing belts are rubber and must be replaced on schedule. Check your owner's manual to know which your vehicle has. If you have a belt and don't know when it was last changed, consider replacing it—the consequences of failure are severe.

Scheduled Maintenance Pricing

ServiceStandard VehiclesLuxury/EuropeanTrucks/SUVs
15K/30K Service$150-$300$250-$450$200-$350
60K Service$350-$600$500-$900$400-$700
90K Service$400-$700$600-$1,100$500-$850
Timing Belt Service$500-$1,000$800-$1,500$600-$1,200
Timing Belt + Water Pump$700-$1,200$1,000-$1,800$800-$1,500

Finance Your Scheduled Maintenance

Why Finance Maintenance?

Major scheduled services—especially those including timing belt replacement—can exceed $1,000. Rather than skip critical maintenance or drain savings, financing spreads the cost over manageable payments while keeping your vehicle properly maintained.

  • Borrow $500-$5,000 – Cover complete major services
  • APR from 7.99% – Competitive rates
  • 24-hour decisions – Fast approval
  • Use any shop – Dealer or trusted independent

Sample Monthly Payments

Amount12 Mo24 Mo
$500$45/mo$24/mo
$1,000$89/mo$47/mo
$1,500$134/mo$71/mo
$2,000$179/mo$95/mo

*Estimated at 12.99% APR

Scheduled Maintenance FAQs

What happens if I skip scheduled maintenance?
Short-term, probably nothing noticeable. Long-term, you'll face more expensive repairs, reduced reliability, lower resale value, and potential warranty denial if issues arise from neglect. Skipping timing belt service specifically risks catastrophic engine damage.
Can I do scheduled maintenance at an independent shop?
Yes, as long as proper parts and procedures are used. Keep receipts showing work performed with manufacturer-equivalent parts. This maintains warranty and documents maintenance history for resale. Independent shops often cost 30-50% less than dealers.
Does the dealer have to do maintenance to keep warranty valid?
No. Federal law (Magnuson-Moss Warranty Act) prohibits manufacturers from requiring dealer service to maintain warranty. You can use any qualified shop using proper parts. However, keep all receipts—you may need to prove maintenance was performed.
How do I know what maintenance my car needs?
Check your owner's manual for the manufacturer's maintenance schedule. Many vehicles also have maintenance reminder systems. If you don't have records, assume all services are due and start fresh—it's cheaper than repairs from neglect.
Is dealer scheduled maintenance overpriced?
Often, yes. Dealers typically charge 30-50% more for routine maintenance. However, they have factory-trained technicians and may catch issues specific to your model. For complex services like timing belts on interference engines, dealer experience may be worth the premium.

Stay On Schedule

Proper maintenance prevents expensive repairs. Get approved for financing in minutes.

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