Car repair loans · $200 – $5,000The car is how you get to work.
Fix it this week.
A $900 brake job doesn't wait for payday. Request the repair cost in three minutes, see real offers with the payment shown, and have funds in your checking account as soon as the next business day — back on the road without a payday loan's price.
Soft credit check · Fixed monthly payments · No fee to apply
What common repairs cost
Typical U.S. shop prices including parts and labor, rounded. Dealer rates run higher; independents lower. Get the written estimate before you request a loan — then borrow that, plus a little.
*Illustrative payments at our representative 35.99% APR over 12 months, rounded. Your offer may be lower or higher. Repair ranges compiled from national repair-cost estimators; your quote will differ by vehicle and region. Calculator
Twenty minutes that can cut the bill
- Ask for the estimate in writing, parts and labor separatedThen ask which items are "must do now" and which can wait a month.
- Get a second quote by phoneRead the first estimate to another shop. Thirty percent swings are normal.
- Ask about remanufactured or aftermarket partsOften half the price of OEM, with a warranty.
- Ask if the shop offers a payment planMany independents split a large job over 2–3 payments at no cost.
- Check your warranty and your cardPowertrain warranties outlast most people's memory; some credit cards extend them.
Borrow the estimate, not a round number
A $1,200 transmission quote often becomes $1,350 once the shop finds the cracked mount. Borrow the quote plus about ten percent — and nothing more, because every extra $100 costs roughly $20 in interest over a year.
Good reasons to borrow
- The car is how you get to work or school
- Waiting makes it worse (brakes, cooling, belts)
- The repair costs less than a month of rides
Pause and think
- Repair cost is near the car's value
- It's the third big repair this year
- You'd be borrowing to keep a second car
How fast this actually goes
Request the quote amount
Three minutes on your phone. Amount, income, checking account.
~3 minSee your offers
Soft check only. Each offer shows APR, term and payment.
MinutesSign with the lender
E-sign the agreement. Every fee printed first.
Same dayPay the shop
Funds in checking by the next business day; pay the shop by card or transfer.
Next business dayAsked from the parking lot
Can I get a car repair loan with bad credit?
Yes. There is no minimum credit score; lenders in our network weigh income and checking-account history. Expect a higher APR than a prime borrower, and still far less than a payday or title loan. Bad credit loans
Is this a title loan?
No. A title loan uses your car as collateral and can take it if you miss payments. Zebit installment loans are unsecured — the car stays yours regardless — with fixed monthly payments instead of a 30-day balloon.
How fast can I pay the mechanic?
Sign before the lender's afternoon cutoff and funds typically land in your checking account the next business morning. Most shops take a debit card or bank transfer; some will release the car on proof of the pending deposit.
Should I repair or replace the car?
A common rule: if one repair costs more than half the car's value, or you've had three major repairs in a year, the money may be better spent toward a replacement. A loan can go toward either — but borrow for one plan, not both.
Get the repair quote covered
Soft check, real offers, funds next business day — and a fixed monthly payment you can plan around.
Checking your rate does not affect your credit score.