Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates
Jiffy Lube

Jiffy Lube

The total investment to open a Jiffy Lube franchise ranges from $232,000 to $400,000. The initial franchise fee is $50,000. Ongoing royalties are 3% plus a 2% advertising fee.

What is the Jiffy Lube franchise?

Jiffy Lube operates approximately 2,000 locations across the United States, making it one of the largest automotive services franchise systems in the world and a leader in the quick oil change and preventive maintenance category. Edwin H. Washburn founded the company in 1979 in Ogden, Utah, around a drive through service format that provided professional oil changes and basic maintenance without an appointment in approximately 15 to 20 minutes. The concept addressed the inconvenience and uncertainty associated with traditional repair shops through standardized service, speed and clear communication. Jiffy Lube now operates as a subsidiary of Shell plc through its Pennzoil and Shell lubricants division. The brand is headquartered in Houston, Texas, and has expanded beyond oil changes to include tire rotations, brake inspections, fluid exchanges, filter replacements, battery services and other preventive maintenance. For franchise buyers, the business serves a large vehicle base with ongoing maintenance needs and customers who prefer professional service to do it yourself work.

Quick lube and preventive maintenance are essential parts of that market because vehicle owners need recurring service in both strong and weak economic periods. The average age of vehicles on American roads has reached 12.6 years, placing more vehicles in a maintenance intensive stage when oil changes, fluid services and preventive work affect reliability and vehicle life. The United States has more than 285 million registered vehicles, creating a large potential customer base. Modern engine management systems, turbocharged engines, hybrid powertrains and complex fluid systems also make professional maintenance more valuable to many consumers. As do it yourself oil changes have declined, customers increasingly choose quick lube services for speed, convenience and professional procedures. Jiffy Lube locations serve customers who view maintenance as a recurring expense and value a recognized national brand.

The Jiffy Lube franchise fee is $50,000. Total initial investment ranges from approximately $232,000 to $400,000, depending on whether the buyer acquires an existing location, converts another automotive facility or builds a new service center. The ongoing royalty is 3 percent of gross revenue. Investment uses can include site acquisition or leasing, facility construction, service bays, hydraulic lifts, fluid dispensing systems, pit or lube bay design, a customer waiting area, POS and technology systems, initial oil, filter and fluid inventory, and working capital. As a Shell subsidiary, Jiffy Lube franchisees have access to preferred pricing on Pennzoil and Shell lubricants, national advertising programs, proprietary technology systems and corporate resources. The brand states that its cost is competitive within automotive services given its market position, consumer awareness and available support. SBA backed lending has included 166 approved SBA loans across 75 unique lenders in the brand's lending history. PeerSense can help franchise buyers review financing information and connect with SBA and conventional lending options, but PeerSense is not a lender.

A Jiffy Lube franchise is a drive through automotive service center staffed by trained technicians. Services include oil changes and a broader preventive maintenance menu built around a multi point inspection that reviews key vehicle systems and identifies additional needs. Recommended services can increase revenue while giving customers information about their vehicle's condition. Daily management includes customer flow through service bays, technician productivity, service quality, inventory across several oil, filter and fluid grades, staff scheduling and consistent customer service. Jiffy Lube protocols and technology standardize the process from greeting and vehicle intake through service, inspection reporting and checkout. Initial training covers technical procedures, facility management, customer service, employee training and retention, financial management, and the proprietary POS and customer management systems. Continuing support includes field operations consultants, regional and national marketing, technology updates, and access to Shell automotive lubricant expertise and product development resources. Territory structures differ, and established markets may contain dense location networks that support local awareness and marketing efficiency.

Financial results in the quick lube segment depend on car count, average ticket, service mix and operating efficiency. Jiffy Lube recognition can bring in customers who choose a familiar brand when they need service. Average tickets have grown as locations added synthetic oil upgrades, transmission fluid services, coolant exchanges, brake services, tire rotations and other maintenance work. Moving a basic oil change customer into a broader maintenance visit creates additional revenue potential, provided staff make recommendations based on inspection results and communicate them clearly. Most vehicles require oil changes every 3,000 to 7,500 miles, depending on oil type and driving conditions, supporting repeat visits. Retention and loyalty program participation affect long term results because keeping an existing customer generally costs less than finding a new one. Labor utilization across service bays, volume purchasing of lubricants and filters, and the ability to serve several customers per hour during busy periods also affect margins. Operators with strong car counts, effective service communication and labor schedules matched to traffic may achieve attractive unit level economics within automotive services.

Jiffy Lube has developed its quick oil change and preventive maintenance position through service expansion, technology investment and brand development over more than four decades. Its advantages include national consumer recognition built through television advertising, digital marketing and local market presence. Shell corporate backing supplies resources for product development, marketing and operating technology. The approximately 2,000 location network provides broad convenience in many American markets. Digital investments include online appointment scheduling, mobile first customer communication, digital vehicle history tracking and loyalty program integration. Recent initiatives include enhanced technician training, updated facility designs and broader service capabilities for modern vehicles, including hybrid powertrains and advanced fluid systems.

The typical Jiffy Lube franchise candidate is a business focused individual or investment group with management ability and enough capital to acquire or develop one or more service centers. Automotive experience is useful but not required because the brand provides technical and business training. Many franchisees operate multiple locations, and successful operators may manage portfolios of five to twenty or more service centers across a metropolitan area. This model can create scale in management, marketing, staffing and purchasing. Opportunities include developing a new territory or acquiring an existing location from a retiring operator or a corporate owned unit released for franchising. The franchise agreement provides a long operating horizon. Development opportunities exist across the United States, including growing suburban areas, communities with high vehicle density and markets where population growth is exceeding existing service capacity. The time from signing a franchise agreement to opening depends on whether the buyer acquires an existing location or constructs a new facility.

Jiffy Lube offers franchise buyers a recognized brand in a recurring automotive maintenance category supported by Shell and a network of approximately 2,000 locations. Demand is tied to an aging vehicle fleet, regular maintenance requirements and consumer preference for professional service. PeerSense provides due diligence information for the brand, including SBA lending history covering 166 approved loans from 75 unique lenders, a Franchise Performance Index score of 56, location data with Google ratings and FDD verified financial metrics. The profile is intended to support evaluation by experienced multi unit automotive operators and investors considering an essential services franchise.

Loan Activity Score

56/100

SBA Default Rate

3.0%

Active Lenders

75

According to its Franchise Disclosure Document or public business records, Jiffy Lube has 129 locations, all owned by franchisees. Public SBA loan records show 75 lenders made 167 loans to franchisees of Jiffy Lube. PeerSense calculates Jiffy Lube's score as 56 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.

Franchising since 1979 · 129 locations

Investment

$232,000 to $400,000

Franchise Fee

$50,000

Total Units

129

129 franchised

Loan Activity Score
Very high
56
SBA Lending
25
Lender Quality
9
Transparency
10
Reach
9
Momentum
3

Proprietary PeerSense metric

Moderate
Capital Sources
75SBA lenders

Distinct lenders in public SBA records for Jiffy Lube

167

Total SBA loans

$742K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Jiffy Lube

Loan Activity Score Breakdown

Major Brand (100+ loans)

Very High Confidence
56out of 100
Moderate
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence9/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency10/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint9/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

3.0%

vs 10.8% peer avg

SBA Loans

167

Total Volume

$123.9M

Active Lenders

75

7 selective

States

28

vs. SBA Sector Average

+7.8%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (3.0%)
Item 19 financial data disclosed
129 locations nationwide

Data Insights

Key performance metrics for Jiffy Lube based on SBA lending data

SBA Default Rate

3.0%

7.8% below peer avg

SBA Loan Volume

167 loans

Across 75 lenders

Lender Diversity

75 lenders

Avg 2.2 loans per lender

Investment Tier

Significant investment

$232,000 to $400,000 total

Jiffy Lube: Deep SBA Data

Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.

Peak SBA Year

2021

14 approvals. The best year on record for Jiffy Lube.

Top SBA State

California

61 SBA financed Jiffy Lube locations, the densest operator footprint.

Average Loan Size

$734K

Median $440K. Use as a sizing anchor when modeling your own Jiffy Lube unit.

Lender Concentration

22.3%

Moderately Spread

Share of Jiffy Lube approvals captured by the top 3 SBA lenders.

Jiffy Lube's SBA lending pipeline peaked in 2021 (14 approvals). The last five fiscal years account for 14% of cumulative volume ($34M approved). Operator density is highest in California with 61 SBA financed locations. Average funded ticket sits at $734K, with the median at $440K. Lender mix is moderately spread: the top three SBA lenders account for 22.3% of approvals. Borrowers have leverage to shop multiple credit boxes.

Payment Estimator

Loan Amount$186K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$2,402

Principal & Interest only

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Locations

Jiffy Lube, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

Explore Funding for Jiffy Lube

Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.

Optional: checking the consent box lets us call or text you about your funding. You can still submit without it.

Referral fee at closing

Or get an instant analysis

Scan Your Deal Instantly

6 FDDs Available for Jiffy Lube

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

Jiffy Lube

Page Review

Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense

  • PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
  • Edward L. Freeman founded PeerSense in January 2020.
  • He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
  • His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
  • In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page

Last reviewed LinkedIn profileAbout Edward Freeman