Pay Your Way.
Three financing routes for builds and mods. Cash, card, or term loan - we'll work with what works for you.
Run the numbers.
Estimates only. Actual APR depends on credit, term, and lender. Use as a starting point, not a quote.
Synchrony Financial
Promotional financing on builds and modifications. Six and twelve month no-interest options on qualifying purchases.
Subject to credit approval.
Affirm
Pay over 3, 6, 12, or 24 months. Real APR shown up front - no compounding interest, no surprises.
Rates from 0% APR. Subject to eligibility.
Local Credit Union Partner
Specialty vehicle and RV-style loans for full builds. Longer terms, competitive rates, local underwriting.
Members and non-members welcome.
What you'll need
- /Driver's license
- /Proof of income (last two pay stubs or recent tax return)
- /Vehicle title or registration (if mod build on existing truck)
- /Build quote from 1776 Kustom
- /Down payment proof (most builds: 25–30% deposit)
Build payment schedule
Milestone-based payments tied to actual build phases. You only pay for work that's done.
Straight Talk On Cash.
Pre-qualification with Affirm and Synchrony is a soft pull. No hit. A full application before signing is a hard pull, same as any auto loan.
Yes. Most partners let you split. Pay cash for labor, finance the parts. We'll structure the quote however your lender wants to see it.
Synchrony promotional offers usually want 660+. Affirm goes lower with a higher APR. Credit union builds depend on the underwriter, but they look at the whole picture, not just the number.
No. We don't mark up financed builds. The quote is the quote whether you pay cash or finance.
Every partner we work with allows early payoff with zero penalty. Pay it down whenever the windfall hits.
Ready to talk financing?
Quote turnaround inside one business day. No runaround.