You Can’t Beat Free Money.
SPP is the market leader in providing short-term, interest-free payment plans for the purchase of vehicle service contracts and other ancillary products.

Once you’ve made the wise decision to protect your vehicle, make another one by using SPP to pay for coverage in interest-free installments.

Our process is quick and easy - protect your vehicle and do so in an affordable way.

1- Make your first installment payment at the time of sale.

2- Sit back and drive comfortably, knowing that SPP will automatically debit your payment method of choice each month.

  • You Can’t Beat Free Money.
    SPP is the market leader in providing short-term, interest-free payment plans for the purchase of vehicle service contracts and other ancillary products.

    Once you’ve made the wise decision to protect your vehicle, make another one by using SPP to pay for coverage in interest-free installments.

    Our process is quick and easy - protect your vehicle and do so in an affordable way.

    1- Make your first installment payment at the time of sale.

    2- Sit back and drive comfortably, knowing that SPP will automatically debit your payment method of choice each month.


We Love Our Customers & They Love Us.


Don’t Pay Interest. Ever.
SPP offers 0% interest payment plans for vehicle service contracts and other ancillary products. More great news: there’s no credit check and everybody qualifies. It’s truly a no-brainer.
We Love Our Customers & They Love Us.


  • Don’t Pay Interest. Ever.
    SPP offers 0% interest payment plans for vehicle service contracts and other ancillary products. More great news: there’s no credit check and everybody qualifies. It’s truly a no-brainer.
Pay On Your Terms.
SPP offers a variety of flexible payment schedules to best fit your needs.
  • Pay On Your Terms.
    SPP offers a variety of flexible payment schedules to best fit your needs.

Access Your Account Anywhere.
With a user-friendly online portal, you can view your payment history, update your account, and make a payment at your convenience.
  • Access Your Account Anywhere.
    With a user-friendly online portal, you can view your payment history, update your account, and make a payment at your convenience.


Who We Are.
50 States & Canada
SPP is available via our partners across the United States and Canada. Ask your dealership or vehicle service contract provider about SPP options today.
35+ Years of Experience
Service Payment Plan has been providing first-class customer service for over 35 years. We have experienced customer service representatives ready to help in our Chicago-based call center.
Millions of Customers
We’re honored to have served every one of them.
  • Who We Are.
  • 50 States & Canada
    SPP is available via our partners across the United States and Canada. Ask your dealership or vehicle service contract provider about SPP options today.
  • 35+ Years of Experience
    Service Payment Plan has been providing first-class customer service for over 35 years. We have experienced customer service representatives ready to help in our Chicago-based call center.
  • Millions of Customers
    We’re honored to have served every one of them.
Frequently Asked Questions

What is Service Payment Plan?

Service Payment Plan, Inc. (SPP) is the market leader in providing interest-free payment plans for the purchase of vehicle service contracts (VSCs) and other ancillary products. SPP offers a convenient 0% interest payment plan for these products, allowing you to steer clear of unexpected repair costs at a price that’s affordable.

When are my payments collected?

Payments are automatically collected on any day between the 1st and 28th of every month depending on what you choose. You can view your payment schedule via your online account at www.myspp.com or call an SPP representative for assistance at (800)346-5990.

How do I change my payment date?

Log in to your customer portal at www.myspp.com or call us at (800)346-5990 .

How do I log in to my online account?

To view your online account either click here, or visit www.myspp.com. If you are not enrolled, click here and you’ll be able to enroll with your account number.

How do I update my payment information?

To update payment information, please log in to your online account at www.myspp.com. In the “My Account” section, click “Update Payment Information” and adjust information as needed. For more assistance, please call our Customer Service Department at (800)346-5990.

How do I learn more about what my plan covers?

Please reach out to your coverage provider for questions regarding your plan itself. We’re happy to help with anything related to your payments.

  • What is Service Payment Plan?

    Service Payment Plan, Inc. (SPP) is the market leader in providing interest-free payment plans for the purchase of vehicle service contracts (VSCs) and other ancillary products. SPP offers a convenient 0% interest payment plan for these products, allowing you to steer clear of unexpected repair costs at a price that’s affordable.

  • When are my payments collected?

    Payments are automatically collected on any day between the 1st and 28th of every month depending on what you choose. You can view your payment schedule via your online account at www.myspp.com or call an SPP representative for assistance at (800)346-5990.

  • How do I change my payment date?

    Log in to your customer portal at www.myspp.com or call us at (800)346-5990 .

  • How do I log in to my online account?

    To view your online account either click here, or visit www.myspp.com. If you are not enrolled, click here and you’ll be able to enroll with your account number.

  • How do I update my payment information?

    To update payment information, please log in to your online account at www.myspp.com. In the “My Account” section, click “Update Payment Information” and adjust information as needed. For more assistance, please call our Customer Service Department at (800)346-5990.

  • How do I learn more about what my plan covers?

    Please reach out to your coverage provider for questions regarding your plan itself. We’re happy to help with anything related to your payments.

Other Questions?



Setting Up A New Account?



Scheduling a Payment?

  • Other
    Questions?
  • Setting Up A
    New Account?
  • Scheduling a
    Payment?