Consumer FAQ
1stMILE Loyalty and the 1stMILE App
What is it?
1stMILE app is a free mobile application for iPhone or Android that allows you to earn Loyalty Rewards for your automotive repair and maintenance.
How are points awarded
You earn loyalty points when making purchases at the shop. However, many shops have a pending period before new points become available for use.
How are points redeemed
Loyalty points are redeemed at the shop when making a purchase.
Can I earn points at more than one business?
Yes, you can add and join multiple shops and their loyalty programs via 1stMILE app.
Are points transferable?
No.
How do I add my vehicle?
From “Home” in the App, go to the “Vehicles” ribbon and click on “Add Vehicle.”
From there, you can scan a barcode or manually enter your VIN.
Press Search.
Press Next if your Vehicle Results are correct.
Set the current Odometer and how many miles you drive the vehicle on average for maintenance and service reminders.
Click Add.
You’re done. Congrats!
Where do I find my vehicle's VIN?
Your VIN is a unique 17-character code (made of numbers and letters) that can often be found on the lower-left corner of the dashboard, in front of the steering wheel. Your VIN might also appear at the front of the engine block, front of the car frame, rear wheel well, inside the driver-side doorjamb, the driver-side doorpost, or underneath the spare tire.
What if I change my phone?
You can simply log into the app on your new phone and your 1stMILE app will still have all your Loyalty rewards and maintenance information saved.
Is the app available for both iPhone and Android?
Yes, the 1stMILE app is available for both iPhone and Android.
My favorite shop isn't listed?
Only 1stMILE enabled shops will be listed in the app.
1stMILE Apply (Text-to-Apply) and the 1stMILE Credit Facility
How do I apply?
Depending on the shop you’re in, you can either apply directly via their terminal and/or via text message with 1stMILE Apply (Text-to-Apply).
What happens after I'm approved?
Depending on which financing partner you are approved with, you will either check out with a virtual card or check out with the cashier.
Who do I call if I have a question about my loan / application?
Questions about your loan/application are best directed to the lenders you are applying for or approved by. The customer service lines can be found at their respective websites.
City
CFNA
Synchrony Car Care
AFF
DigniFi
EasyPay
Who are the lenders?
The lenders will vary by which options the shop has enabled. They could include Citi, CFNA, Synchrony, DigniFi, EasyPay, and American First Finance.
What are the qualifications?
Qualifications will vary by lender
Do I need a certain credit score to get approved?
Qualifications will vary by lender, some will take credit score into account, while others may use different qualifications (such as bank account/minimum income amount)
Do my payments get reported to the credit bureau(s)?
Yes, payments will be reported to credit bureaus, which can help you build credit history.
When you say “No Credit Required” or “FICO® not required for approval,” what does that mean?
When applying with the retail merchant for a retail installment contract, it is likely that your credit history or FICO Score will be pulled. However, it is possible to not have a credit history or FICO Score and still receive an approval.
Where can I use my new card?
You will be able to use your automotive Private Label Card at participating locations which accept that brand of payment. American First Finance issues you a virtual Visa card, loaded with the amount you are approved for.
How can I make a payment?
The payment process will vary by lender, you can find more information at their websites
What are the interest rates?
Your interest rates will vary based on lender and your credit profile.
How do I access my funds?
Using 1stMILE Mobile your funds will be sent to a virtual card accessible on your phone.
1stMILE Pay (Text-to-Pay)
How does it work?
1stMILE Pay allows you to Text-to-Pay for your work order. You will receive a pay link, allowing you to easily check out with major credit cards or CFNA cards.
How do I receive my link?
The shop can send you a 1stMILE Pay link through their 1stMILE software.
What if I lose the link?
If lost, the shop can always re-send you a link.
Can I use my virtual card from American First Finance?
Yes
What card types are accepted? (Visa, Mastercard, AMEX, AutoPass, etc.)
1stMILE Pay currently accepts Visa, Mastercard, American Express, Discover, and CFNA cards. You can also pay with any financing option that issues you a virtual credit card upon approval (ex: American First Finance).
Do I need a smart phone?
Yes, you will need a smart phone as the pay link works through your browser.
What if the price isn't what I was expecting?
If you see something unexpected on your invoice, it is best to contact the shop to clarify.