Before you agree to finance a costly car repair or tire purchase – or accept what appears to be a free 90-day payment plan – beware of fine print that could disguise costly loans at rates up to 189% APR. The company EasyPay Finance, working in tandem with TAB Bank in Utah, offers financing through auto repair and tire shops across the country, including at AAMCO, Big O Tires, Grease Monkey, JiffyLube, Meineke, Midas, and Precision Tune Auto Care, as well as at smaller locations. But these loans are not what they appear, and the high rates might even violate some state laws.