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No Credit Check Auto Repair Loans

Get your car fixed and back on the road!

Having the ability to get from place to place is an essential function for most people to be able to hold down a job. While public transportation can be an option for some, it is not always feasible for everyone. When your car breaks down, and that causes you to not be able to get to work, that can be a problem that can spiral out of control rather quickly. A day or two is one thing, but eventually that car needs to be repaired for you to get back to your normal routine. There is certainly not a shortage of qualified people to fix cars regardless of where you live, but getting the financing for those repairs could be an issue. This can become a much larger issue if you have bad credit.

There are some solid options available to you even if you have bad credit, but it is good to be aware of the different options to know which ones to avoid. There will be many advertisements for no credit check auto repair loans, but it is best to steer clear of such offers. No matter what an advertisement says, there is always some type of credit check that is done whenever money is going to be loaned out.

Many lenders that want to be able to work with people that have a poor credit score will do a credit review that is not nearly as in depth as a full blown credit rating report. This review helps lenders get a better understanding of the level of risk you pose if there were to lend you money. One of the best pieces of news for you in this situation is that lenders will often put more stock in the amount of income you are making rather than your credit score. This means that a key aspect to securing any type of auto repair loan is being able to prove that you have a steady job that produces a steady stream of income.

Unsecured Loans

This type of loan could work well for an auto repair situation because the amount should be adequate to cover most routine repairs. The nature of an unsecured loan is that there isn’t any collateral that is put forward. This works well for you if you have a poor credit score, but it will likely come with a higher interest rate. The higher rate is due to the fact that the lender is taking on all the risk for the loan. This type of loan will end up costing you more money in the end, but it is one that is fairly simple to qualify for, and it will get your car back up and running.

There are also unsecured credit cards that are available. Even with a less than stellar credit score, you should be able to obtain one of these lines of credit. Again, this type of credit card is going to come with a very high interest rate. While you will be able to get your car repaired, you will end up with a fairly high monthly payment to get the card balance paid off.

Installment Loans

An installment loan is another good option to finance your auto repair needs. These loans are given with a set term for the repayment established up front. Depending on the amount of money needed, these loans could have 12, 24 or even 36 month repayment terms. The repayment terms on this type of loan can make the whole process a bit easier to manage overall. The repayment term can allow for a lower monthly payment as you work through paying back the money.

Payday Loans

Payday loans should really be viewed as a last resort for financing your auto repair needs. These loans are very simple as they only require proof that you have a job, and that you have a bank account. The applications for these loans are very short, and the money can be in your account in a matter of hours. The catch with these loans is the exorbitant interest rates that are charged. It can cost you about $30 in finance charges for every $100 that you borrow. The term for paying back this type of loan is usually about two weeks. This means that the interest rate you would be paying is somewhere in the 300-500% range. While payday loans can be a very quick fix, they can end up causing even more financial problems as you try to pay them back.

Work with the Auto Repair Shop

Another option for getting the necessary funds to repair your car is to work directly with the auto repair shop. Not all shops will offer this as an option, but it is worth asking as you searching for someone to do the repairs. Auto repair shops will, at times, set you up on a monthly payment plan with fairly reasonable terms. The motivation to do this would most likely be to build some customer loyalty. If the shop is willing to work with you when need help, then you may be more likely to come back to them with future business. This is a great option to explore if you are having trouble securing the funds through one of the other options.

Bank Loans and Payday Advances

If you have established yourself as an excellent employee at your job, you could use the idea of a payday advance as an option to fund your auto repair. You can approach your employer and ask for a full or partial advance on your next paycheck. While some employers may be willing to do this, you have to prepare yourself for the side effects of this choice. You will likely be able to get your car repair paid for, but you have now put yourself in a position where your next paycheck, and maybe the one after, are going to be less than usual. This presents a cash flow problem that you would need to budget accordingly for. Your employer might be motivated by this option if your car is the only real option for you to get to work.

Going to your local bank might seem like an obvious option that hasn’t been mentioned yet, but getting a quick loan for your auto repair needs isn’t very likely. Banks are typically only going to work with people that have average to higher than average credit scores. Bank loans are also going to take a great deal more time to obtain because of the paperwork that needs to be filled out. When you are trying to get your car fixed, this type of loan isn’t going to be an option. You can get a cosigner for a loan, but that usually only happens for larger purchases, not for auto repair.

Closing Thoughts

Being mobile is very necessary in the world we live in. For most people, that mobility is dependent on having a working vehicle. When your vehicle breaks down to the point of not operating anymore, you will likely need to get it fixed as quickly as possible. If you have a good credit score, then you will have several options for the repair work, If, however, you have bad credit, then your options become a bit more limited.

You can considered a variety of unsecured loans, but these are going to come with very high interest rates. This means getting the money up front to pay for repairs, but then possibly struggling down the road to pay everything back. You can also explore one of the many payday loans out there because the application process is very quick. Most payday loans require proof of employment and a bank account. You need to tread lightly with these loans and make them a last resort because of the extremely high interest charges that come with them.

Some of the best options can be working directly with the auto repair shop to work out a financing plan. This could lead to some fairly friendly rates and repayment terms. An installment loan is a good option if you have some sort of collateral to put up for the loan. The repayment can be spread out for several months to soften the blow of paying it all back. Another option that can work well is seeking out an advance on your pay from work. If you are a hard working and well established employee, this can be a quick way to get the necessary funds.

Regardless of which option you settle on, make sure you explore several options before deciding. Also make sure that you fully understand the terms of the loan before you sign any paperwork. It is essential to know how much money you are borrowing, how long you have to pay it back, what the interest rate is for the loan, and how much in total you will pay back when the loan is paid in full. Having these numbers, and being able to compare them between loans can be a great tool to finding the best option.

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