The car repair costs may put a lot of people under strain when they don’t have money to fix their car and the question arises in their mind like how to pay for car repairs with no money? Although cars are a great tool for people to go to work or to perform other tasks but what you will do when your car needs unexpected repairs and you don’t have money to pay.

However, you may have more options for affording car repair costs than you realized, including personal loans for car repairs with no money that you pay back in a short period of time. There also may be insurance available or, at the very least, you can pay for car repairs in installments with free roadside assistance to get your vehicle off the side of the road when you need it most. 

Top 5 Ways To Pay For Car Repairs With No Money

How to pay for car repairs with no money? Here are some options that will help you to pay for car repairs with no money and cover repair expenses.

If you need car repair cost or just got in an accident, it may take hundreds or even thousands of dollars before it’s road-ready again. With gas, insurance, and maintenance, owning a car is already expensive. Hitching a ride to work can’t last, and buying a new car is equally out of the question. Still have a question in your mind like I need my car fixed but have no money then explore these options in detail.

  • Pay For Car Repairs in Installments – Apply For Personal Loans
  • Can’t pay for car repairs: Ask for a loan from a friend
  • Choosing a Lender For Paying Car Repair Cost in Installments
  • Auto Repair Loans From Auto Lenders
  • Payment Arrangements with Auto Shops
  • Free Roadside Assistance
  • Get an Emergency loan
  • Unexpected Auto Insurance Coverage
  • Credit card coverage

Pay For Car Repairs in Installments – Apply For Personal Loans

One of the best ways to pay for car repairs with no money is through loans. In terms of short-term funding options, title pawn loans are easy to access but incredibly risky. They can contain hidden fees, and you risk losing your vehicle if you default on your loan.

apply for personal loans

Ask for an exact list of all the fees and interests you will face to get a sense of the total cost of the loan to get help for paying car repairs with installments.  Always be sure to thoroughly research a short-term loan or title pawn before you sign anything. Don’t agree to weekly or monthly payments you can’t afford them. 

Short-term personal loans for paying car repairs installments when you don’t have money are another option available that can give you quick access to cash right when you need it. Unlike title pawns, there’s no forced collateral, but you will need documentation of your income as proof you can repay the loan.

At the same time, try to pay back the loan in six to 12 months to avoid having your interest balloon out of control.

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Can’t pay for car repairs: Ask for a loan from a friend

If you are thinking that how you can pay for car repairs with no money? You can also ask for a personal loan from a friend or a family member for paying car repair installments and can return it whenever you are supposed to return making a rigid deal between you two.

Free Roadside Assistance

Free roadside assistance may be the most likely no-cash-needed perk you have access to. If you’re a member of AAA or a similar organization, you can get a battery jump or similar low-effort service for free. Some plans offer discounted locksmithing for when you lock yourself out or free towing when your vehicle is stranded.

Free roadside assistance can come from unlikely places that will help you to pay for car repairs with no money. Many credit cards offer it as an additional perk. Check with your credit card company or job to see if they offer such benefits to get help for paying car repairs with no money and whether any exclusions or limitations apply. Employers have plans that you can use any time your trip was work-related. 

Payment Arrangements with Auto Shops

If you can’t pay for car repairs there are many auto shops that are willing to let you work out a payment agreement with them. This means they’ll let you pay for car repairs in installments rather than all at once. If you have major car repair costs, they may even be willing to let you pay a little upfront in exchange for regular payments later on.

Payment Arrangements with Auto Shops

You may even be able to arrange an exchange of services as a payment-in-kind, especially if you have a professional skill that may be useful. Skills you can offer include landscaping, tax preparation, or tattooing.

Very few franchised auto shops are willing to do this, including most new car dealerships. However, local mechanics may be willing to set up a delayed payment or some sort of arrangement. 

Choosing a Lender For Paying Car Repair Cost in Installments

Take a look at your options to get help for paying car repairs with no money today and apply for personal loans by entering your information. Get started right away and be back on the road in no time.

choosing a lender for car repairs

In other words, you want a lender who does their homework. This will ensure that you aren’t getting roped into a loan to pay for car repair installments that you won’t be able to repay.

Only go with a lender that will perform underwriting. “Underwriting” means that they will look at your income, your available collateral, your credit score, and other factors to weigh your ability to repay the loan. 

Read : How To Get A Loan With Bad Credit  

Credit card coverage

Online lenders are always open-minded about their borrower’s monetary dilemmas like how to pay for car repairs with no money. You can pay all your automobile expenses with your credit card when you have a good credit score and later take a credit card consolidation loan if it’s not enough or you are facing difficulties to repay the amount for your car repairs.

Unexpected Auto Insurance Coverage

Can’t pay for car repairs? Many people just pay the bare minimum in liability insurance, but some have extra coverage that they aren’t even aware of.

If an accident involved you hitting an object or causing a wreck, then you will need collision insurance in order to cover it. If your vehicle was damaged by a criminal act or a natural disaster, such as a tree branch falling through the windshield, then comprehensive car insurance will pay for the damage and you need not worry about paying for car repairs in installments even you do not have money to pay.

auto insurance coverage

Any time you are involved in an accident with another driver, make sure to get their insurance information. They may have been at fault for the accident, allowing you to file for the vehicle repairs under their liability insurance.

There are also many services that provide unexpected partial coverage for car repairs with no money. For instance, rental cars paid for through certain credit card plans have automatic coverage for damage.

You may also have uninsured/under-insured motorist coverage, which can pay for instances when someone hits you but doesn’t have an insurance policy.

Get an Emergency loan

If the payment date is near and it’s urgent to pay for car repairs on the day, then it’s better to go for an Emergency Cash Immediately Bad Credit Loans. Sometimes lenders charge much higher interest rates for payday loans so, do a little research about your lender for a payday loan.

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