A car breakdown can throw a real wrench into your budget and hassle into your life. You may find some relief with auto repair financing for bad credit.
In this article we’ll cover:
A bad credit score is often defined as 579 or less. The good news is that lenders may look at factors beyond credit score to determine your eligibility.
However, bad credit can still limit your loan options, which may make it difficult to get your car or vehicle repaired, or pay out of your bank account. But there are other options, like payment plans and financing with alternative payment providers (especially for imperfect credit) that could make repairing your car or truck possible.
No Credit Check vs. No Credit Needed
People often confuse the terms no credit check and no credit needed. You may be a good candidate for both options if you have bad credit, but no credit needed financing means credit approval may be possible without a credit score, but that credit history may be looked at. Here’s a clear explanation that differentiates between the two:
You need car repairs, so now what? Paying for those costs upfront can be challenging and comes with unexpected costs and bills.
Even small fixes such as swapping out spark plugs or replacing brakes may exceed $1,000, based on the vehicle’s brand and type. The positive aspect is that you might be able to utilize a bad credit personal loan to manage substantial costs like a new gearbox or air conditioning repairs, or replacement.
What about payment options for auto repairs? You have several choices, including Buy Now, Pay Later (BNPL), credit card financing, or applying for an auto repair loan with a credit union. Each option has its pros and cons, so it’s a good idea to review them carefully before deciding. Additionally, while no-credit-check auto repair financing can be tempting, it’s important to weigh key factors, like the quality of the work being done, before going this route.
Here is an idea of costs (not including labor) for common auto or vehicle repair parts.
| Type of Auto Repair | Price Range |
| A/C | $450 – $600* |
| Catalytic Converter | $950 – $3,000* |
| Transmission | $2,500 – $5,000* |
*As a note, these are just examples of what it may cost; check with your auto repair shop or dealership for more specific prices for your model and make
Before choosing a repair shop, it’s a priority to find one that will make repairs. While most auto body shops or dealerships offer financing or financial products, it is usually a good idea to ask what forms of payment they accept, ask about any payment plans, their minimum credit score, and if they offer financing options for bad credit.
Options for financing auto repairs include credit cards, payment plans, personal loans, and financing through credit unions, though you may want to check your credit score and see if you are able to qualify or prequalify.
In addition to asking about financing, it is important to find a reputable mechanic who guarantees their work. While minor repairs don’t take long, some may take until the next business day or beyond, like a catalytic converter or A/C repair. If that’s the case, you may need to consider options for a loaner car or ask if the auto body shop offers a rideshare service.
Need a place to start? Find a reputable repair shop and see if you prequalify by applying for financing on our site.
Did you know? Americans are keeping their cars for an average of 12.6 years, according to a recent S&P Global Mobility study.
Help keep your car going longer by keeping up with repairs.
In addition to asking about financing, it is important to find a reputable mechanic who guarantees their work. A good starting point is to inquire from friends or family about their preferred auto-body shop, or you can visit the shop’s website to explore payment methods.
If the repairs take a long time, such as for a catalytic converter or air conditioning, you might need a loaner car. Alternatively, you could use a rideshare service. A good starting point is to inquire from friends or family about their preferred auto body shop, or you can visit the shop’s website to explore payment methods or check if you pre-qualify.
Need a quick start without the hassle? Start by entering your zip code to see auto repair shops near you. Our merchants offer bad credit financing options, so you don’t have to go through calling around to see if there is a bad credit financing offer near you.
There are several things to consider when looking for a mechanic. The top items to consider are how much they charge, hourly rates, and the cost of labor and parts.
Questions to consider before dropping off your car:
It is important to ask if they are ASE Certified. For you, your car, and the cost of repairs. You don’t want to repair a car just to have to repair the repairs for shoddy work.
Parts should come with standard warranties set by the manufacturer. The labor warranty is set by the repair shop. Also, it’s not a bad idea to take a moment to read up on your warranty rights as a consumer.
How long will it take them to diagnose, get parts, and make the repair? If it’s extensive or emergency repair, consider a rental car. Many shops work with rental car companies. If not, ask if they have a loaner car or rideshare options.