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Car Repair Loan

Need To Repair Your Current Vehicle?

Don't wait to get the fixes you need. Financing car repairs with a personal loan can be a great way to keep your ride running smoothly for years to come.

Young man repairing a car.

Will The Repairs Be Worth The Investment?

Some car repairs can be costly, and depending on your situation, it could be worth considering a new or used vehicle using an Auto Loan rather than adding up expenses to repair your current vehicle. Some things to consider are the age of the vehicle, how much you owe on the vehicle, the cost of the repairs, and after the repairs are complete, the life expectancy of the vehicle. 

Some Common Uses For A Car Repair Loan Include:

  • Tires 

  • Brakes

  • Accident

  • Transmission

When Does a Car Repair Loan Make Sense?

  • Insurance Won’t Cover The Costs - Auto accident insurance doesn’t always cover all types of accidents, and doesn’t always cover the full cost of repairs. When you can’t afford the full amount out of pocket, an auto repair loan may be the answer.

  • You Can’t Afford It Right Away - Often the timing of an accident means you don’t have the funds for repairs available immediately, but can’t be without your primary transportation. To cover you until you have the money, you may consider financing your auto repairs.

  • You Need a Short-Term Monthly Payment Plan - While you may not be able to swing the full cost of repairs all at once, a short-term emergency car repair loan can make it manageable by turning your payments into a monthly plan to fit your budget.

Personal Loan Rate

Vehicle repair financing falls under a personal loan, and you can see our low personal loan rates below before making your appointment. 

Live Smarter

Get started by gathering your vehicle information and an estimate of the repair costs. Start the application process below.


If you’re not ready to apply for a personal loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

Interested In Learning More?

To see the different types of vehicle loans and services available to our Members, visit our Car Loan Options overview page.

Let’s Get Started

We look forward to helping you.

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Not sure which term is right for you?

Check out our helpful loan comparison calculator.

Personal Loan Comparison Calculator

Want a rough idea?

Check our current personal loan rates effective April 14, 2024

Term APR
12 Month as low as 9.74%
24 Month as low as 9.74%
36 Month as low as 10.24%
48 Month as low as 10.24%
60 Month as low as 10.24%

Apply for a Personal Loan Now

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.

Monthly payments for a 5 year personal loan at 10.24% would be $21.36 per $1,000 borrowed.

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.