No Hard Credit Check Car Repair Loans Urgent Cash Approved. Online Loans. Short-Term Loans Near Me

No Hard Credit Check Auto Repair Loans

You're not alone if you’re struggling to find cash for an emergency auto repair. According to a AAA survey, a new car costs an average of almost $1,200 per year to maintain and repair — and only one-third of U.S. drivers are financially prepared to cover unexpected repair costs.

No Hard Credit Check Auto Repair Loans

Your car needs repairs, but your credit is damaged. You don’t have family or friends who can lend you the money. Your car is the most valuable property you own, and it’s not worth very much because it’s damaged, too.

Let LoansinaDay provide the short-term loan you need to repair your car.

  • Online Payday Direct Lenders
    Some direct payday lenders advertise no credit check auto repair loans or no credit check vacation loans, or other credit check loans. That’s a technically valid claim since payday lenders rarely conduct hard credit checks through the three major credit reporting agencies: Experian, TransUnion, or Equifax. Instead, they base lending decisions on whether borrowers can demonstrate regular, reliable income. If you search for a car repair loan near me, you may get mixed results. It’s easier to work with a company like LoansinaDay, which has 100 direct lenders and saves time.
  • Auto Title Loans
    One hazardous category of no-credit checks auto repair loans is auto title loans. With such loans, you relinquish your car title in exchange for a loan granted with few or no questions asked. Auto title loans carry interest rates that are just as high as those for payday loans. But auto title loans use your car as collateral. You could lose a car worth thousands of dollars by failing to repay a loan totaling only a few hundred dollars.
  • Payday Loans and Car Title Loans
    You may have seen Internet or TV ads touting how easy it is to “get your title back” with a car title loan. But relying on car title loans as a source of car repair loans could leave you vulnerable to losing your car. This is especially true with car title loans, where you surrender your title to the lender until your loan is repaid in full. Falling behind in the payments for a car title loan could leave you vulnerable to auto repossession.
  • Paycheck Advances
    If you’ve been on the job for a while and you’ve performed well, quick loans from your employer may be a possible option. Your employer will likely be sympathetic to your request, especially if you’re borrowing the money for your child’s medical bills or repairs from storm damage to your house. But the money you borrow will naturally be deducted from your next paycheck or several other paychecks. As a result, you’ll be forced to budget for your regular expenses with less money, which may stretch your budget.
Why LoansinaDay?

Why LoansinaDay?

  • Fast Application Process
    All it takes is a few minutes. We’re fast, easy, and headache-free.
  • Fast & Easy Approval
    Get your quick loan approval online in 90 seconds or less. Not all requests are approved.
  • Deposit to Your Account
    Funds are deposited fast into your bank account! Normally just 1 business day.
How Does It Work?

How Does It Work?

The steps are mentioned and described below. Apply online in minutes, get approved within 90 seconds, and receive your funds directly into your bank account.

  • Apply Now
    Complete our easy online application. It takes 2-5 minutes, and no paperwork or faxing is required.
  • Get Approved
    You will get a quick loan approval decision. We are not a direct lender but work with 100+ direct lenders to improve your approval odds. We do this electronically, which takes 90 seconds or less to get an answer.
  • Get Your Money
    Our direct lenders deposit your money right into your bank account.

Frequently Asked Questions

To apply for auto repair financing, you must complete an application and provide some basic information about your vehicle and your finances. After that, the lender will run a soft credit check and assess your eligibility to determine what loan options are available for you.

If the expenses for the car repairs are too high compared to the car value, purchasing another car may be an option to consider.

Auto repair loans can cover several repairs, from oil changes to transmission replacements. It’s up to you which repair or service you wish to pay for.

Take care. If any mechanic or auto repair shop asks for upfront payment before making repairs, it can be a fraud. It might be an exception only if your car needs an expensive part that must be ordered. Reliable car repair shops require payment only after the complete repairs.

A short-term payday loan is a good option for emergency car repairs. You’ll appreciate the short and speedy request process (just a few minutes) and faster access to the money you need from the verified lender network at LoansinaDay.

Yes, you can get bad credit loans through LoansinaDay.

Your credit scores are prominent in your eligibility for traditional loans like bank loans. Bad credit can be a significant barrier in securing a loan for a car repair from most financial institutions. In these cases, short-term auto repair loans for bad credit can be helpful to get your car fixed and back on the road fast.

The "best" online payday loans are those that fit the needs of the person. But what some people may not realize is the best loan for them may not be a payday loan — or even (technically) a “loan” at all!

To be eligible to apply with LoansinaDay, you must:

  • Be 18 years of age or older
  • Have a verifiable, steady source of income
  • Have an active checking account
  • Be a U.S. citizen or permanent resident
  • Have a working cell phone and email

Depending on where you live, you may not be eligible to apply with LoansinaDay. Check out our Rates & Terms page to learn which products (if any) are available in your state.

If you receive some benefits as per the government’s plans to support the retired, disabled, and unemployed people financially, you can apply for loans for benefits. These are types of loans that are given based on your repayment capacity.

At LoansinaDay, we strive to provide a fast and hassle-free process. Most direct lenders fund in 1 business day. Part of the reason is they must wait for the bank to process the deposit. The exact timing of receipt of funds depends on the customer's banking institution. There are rare cases, during weekdays, when an approved loan that is early in the day can be deposited the same day. Ask your lender if this is possible in your case.