Auto Repair Financing: All You Need to Know

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In the US, public transit sucks in most places. If your car breaks down, you probably have to repair it to get to work or risk promptly losing your job.

Given that most repair places don’t do financing, if you don’t have a credit card, you may be feeling pretty stuck. But did you know that you can get auto repair financing?

Where Can I Find Auto Repair Cash Advance?

You can look online for a loan that will cover the cost, such as a $1000 personal loan. The loans are often personal or signature loans, not secured loans. So you probably don’t even need to tell the lender that you need it for automotive repairs per se.

Because of the amount of money involved, these are typically Installment Loans that get paid off over a period of some months. This might be anywhere from three months to a year. It’s usually too much money for a payday loan.

So you probably won’t actually be looking for a product called “Auto repair financing.” Instead, you might be looking for something like 90 Day InstallmentLoans

What Do I Need To Do To Apply For Auto Repair Loan?

First, you need to be a legal adult. If you are sixteen and can drive, that’s cool, but you can’t apply for a loan (unless you are an emancipated minor). You also need to be either a citizen of the US or a legal resident.

If those things are true, the next step is gathering together some papers. The first thing you will need is identification, such as:

  • Driver’s license.
  • State issued ID card.
  • Military ID card.
  • Student ID card from a college or university.
  • Tribal ID card.

You will also need some kind of paperwork showing ability to pay. This might be a PDF of a recent bank statement downloaded from your online bank account. It might be a recent pay stub or other documents showing your income.

This might be earned income or unearned income. So it might include alimony (but probably not child support, which legally is for the child in question), Patreon money, 1099 contract work, wages, tips and so forth.

But Can They Take My Car If I Default?

Maybe. It depends on how you arrange for auto repair financing.

If you get a title loan to cover the repairs, then the car would also be security for the loan. Om that case, yes, they could take your car if you defaulted.

But if you get an unsecured loan, no, they can’t take your car.

Apply Now For Auto Repair Financing

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You fill out one set of forms, then we compare what you told us to the files we have on lenders and their products. If there’s a match, they contact you.

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