Financed Repairs

Need repairs but can’t cover the cost all at once? Ask about our financing options.

We offer flexible repair financing for qualified customers

Break up your repair costs into manageable payments with available third-party financing.

Get A Free Consultation

For more information or to get a free consultation, call us at (203)-527-4116 or complete the contact form.

Contact Us

We Work With All Major Insurance Carriers

National General Accident & Health logo
Geico logo
The Hanover Insurance Group
State Auto Insurance Companies logo
Zurich logo

For more information about our services or to schedule a free consultation, call us at 203-527-4116 or fill out the form below.

Why Drivers Across Connecticut Trust Ray’s 

At Ray's Auto, we know how much you rely on your vehicle, and we treat every repair like it's our own. Our team works hard to earn your business from the moment you walk in and we work even harder to keep it. With honest advice, quality repairs, and friendly service, we're here to make your experience as smooth as possible.

30+ Years Serving Waterbury and CT

30+ Years Serving Waterbury & CT

Highest rated auto body repair shop in waterbury

Highest Rated Auto Body Repair Shop In Waterbury

Certified Technicians on Every Job

Certified Technicians On Every Single Job

Repairs That Meet OEM Safety Standards

Repairs That Meet OEM Safety Standards 

A gold class i car logo on a white background
A black and white logo for platinum i-car.
Trusted to bring your car back to what it was before the collision

Ray s Automotive is I CAR Gold Class and Platinum certified, which means our technicians are trained to repair your vehicle to manufacturer standards.

Our Work

See the difference for yourself with side-by side photos from real repairs we've completed. These before-and-after shots show how we handle damage with precision, care, and attention to detail.

A beige chevrolet cruze is parked in front of a building.
A beige chevrolet cruze is parked in front of a building.
A blue car with a damaged fender is parked on the side of the road.
A blue mercedes benz glc is parked in front of a building.
A car with rear bumper crash damage
The back of a dodge durango.
A silver car with a damaged front end is parked in a parking lot.
A silver subaru impreza is parked in front of a garge.

FAQs

Who qualifies for financing?

Financing is available through third-party partners and depends on credit approval. We’ll help you start the process and see if you’re eligible.

What repairs can I finance?

You can finance most repairs not fully covered by insurance, including cosmetic work, lease return prep, and out-of-pocket accident repairs.

Do you offer in-house payment plans?

No, we do not offer in-house financing. All payment plans are handled through trusted third-party providers.