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How to Pay for a Remote Car Starter

How to · Auto

How to Pay for a Remote Car Starter

Get your car warm before winter hits by splitting the $450 cost into small monthly payments without interest.

VoAtlas editorial Updated · 3 min read
Typical cost $450 before anything else
Across the 0% window $25.00/mo 18 months, no interest

How we got that: $450 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Owning a car in a cold climate is a chore. Between the scraping and the shivering, winter driving is rough on your body and your engine. Early autumn is the best time to buy a remote starter because shops aren't slammed yet and prices are usually softest before the first freeze.

A good system usually runs around $450. You should negotiate the unit price and the labor separately to get the best deal. Financing the installation with a card lets you keep your cash for maintenance while paying off the upgrade over time.

Remember that the 0% period is a deadline, not free money. If you still have a balance after 18 months, the standard interest rate will apply to whatever is left, making that warm car a lot more expensive.

The steps

  1. 01

    Pick your timing

    Don't wait for the first snow. Shop in September or October when installers have open slots and might offer a pre-season discount.

  2. 02

    Choose the right kit

    Look for a system that works with your existing key fob or a dedicated long-range remote. Avoid the cheapest options that skip the bypass module, which is the part that talks to your car's computer.

  3. 03

    Get three quotes

    Call local shops and ask for the out-the-door price. This should include the hardware, the labor, and any specific wiring harnesses your car needs.

  4. 04

    Use the Citi Simplicity® Credit Card (Citi)

    This card offers 0% for 18 months on purchases and balance transfers from date of account opening. If your install costs $450, you can pay $25.00 a month to clear the debt before the interest kicks in.

  5. 05

    Verify the warranty

    Make sure the shop guarantees their wiring work for at least a year. A bad install can drain your battery, so a solid warranty is non-negotiable.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Will a remote starter void my warranty?

No, federal law prevents manufacturers from voiding a warranty just because you added an aftermarket part. As long as it is installed correctly, your car's factory coverage stays intact.

Can I install it myself?

Unless you are an expert with modern car wiring, pay a pro. One wrong wire can fry your engine computer, which costs way more than the installation fee.

Does it work on manual cars?

It can, but it requires a specific kit with safety sensors to ensure the car isn't in gear. It is more expensive and some shops won't touch them.

How long does the install take?

Most shops need about three to four hours. Drop it off in the morning and it should be ready by lunch, provided you booked before the winter rush.