For most people in the United States, driving is the main mode of transportation. So, if your motor vehicle unexpectedly breaks down, it can affect your ability to get to work and run errands. However, repairs can cost hundreds or even thousands of dollars! According to AAA, drivers typically pay between $500 to $600 every time they visit a car repair shop.1
If you need help paying for car repairs, learn about your financial assistance options below!
Average Car Repair Costs
Vehicles need a lot of maintenance to keep them running smoothly. And even if you stay on top of maintenance, an unexpected issue can pop up. Wondering how much a car repair is going to end up costing? Take a look at this list of common vehicle repairs and the average cost of each.
| Repair Type | Average Cost (USD) |
| Oil Change | $35 – $75 |
| Brake Pad Replacement | $150 – $300 |
| Battery Replacement | $50 – $200 |
| Spark Plug Replacement | $100 – $200 |
| Tire Replacement | $400 – $800 |
| Transmission Repair | $1,000 – $5,000 |
| Alternator Replacement | $300 – $700 |
| Timing Belt Replacement | $500 – $1,000 |
| Air Conditioner Repair | $200 – $1,000 |
| Wheel Alignment | $75 – $200 |
| Fuel Pump Replacement | $400 – $600 |
| Water Pump Replacement | $300 – $750 |
Disclaimer: The costs listed in this table are average estimates for common car repairs and can vary widely based on several factors, including the make and model of the vehicle, the region, the specific repair shop, and the extent of the damage or wear.
Can I Get Free Car Repairs?
Did you know that you can get car repairs for free or at discounted rates?
- Trade Schools – Local trade schools offering mechanic training may offer car repair financial assistance. The students get mechanical experience, and your main mode of reliable transportation is repaired!
- Local Charities – Local charities may offer donated cars to community members, assistance with car payments, or free repairs. Your state’s Department of Motor Vehicles may also help with repair costs.
- Religious Institutions – Many religious institutions offer assistance programs for community members. For example, the United Methodist Church is known for providing mechanical labor or financial assistance to repair a car.
How To Finance Car Repairs
There are various ways to finance an unexpected car repair. If you’re undecided, consider using one of these car repair assistance options.
Borrowing From Friends and Family
Borrowing money from family or friends is an ideal way to afford costly auto repairs. But before you ask for money, getting an estimate from a licensed mechanic is essential so you’re not asking for more cash than you need. Remember that borrowing money from family or friends can complicate the relationship, so ensure you establish a firm financial plan for repayment.
Using a Credit Card
Many borrowers use credit cards to finance large purchases. However, this may not be an affordable option unless you can pay off the purchase quickly. Credit cards are known for having high interest rates. According to a 2024 study by CNN, the average annual percentage rate (APR) for credit cards is 22.63%.2 Unless absolutely necessary, it may be best to consider alternative financing options.
Using a Personal Loan
A personal loan may help you get fast car repair assistance. Personal loans are quick cash loans that generally provide funding in as little as one business day. Personal loans can be small or large, which makes them ideal for all types of expenses. If you have a bad FICO Score, know that many online lenders offer flexible qualification requirements.
Using a Title Loan
Title loans are secured loans that use vehicles as collateral in exchange for funding. While getting a title loan for car repairs is possible, remember that most lenders require the vehicle to be in working condition. If your car needs a repair before it can be functional again, you may not be eligible for a title loan.
Can I Get a Free Car?
Suppose your car cannot be repaired, or the repair costs are simply not worth the price. Is it possible to get another car for free? It’s possible!
Many organizations accept donated vehicles from drivers who no longer need or want them. These are some programs that help low-income households, veterans, and other qualifying individuals get free cars:
- Goodwill – Goodwill regularly auctions donated automobiles at discounted prices. However, they also donate cars to people who meet specific criteria.
- Kars4Kids – Cra donations are used to benefit Kars4Kids’ charity programs.
- 1-800-Charity Cars – This non-profit organization generally helps victims of domestic violence or natural disasters, veterans, the medically needy, and more.
- Cars Helping Veterans – This program aims to help better the lives of veterans in the U.S. who have fallen on hard times.
FAQs About Vehicle Repairs
Some programs may consider your household income when determining eligibility for car repair assistance. It’s a good idea to check the specific requirements of the organizations or programs you are interested in using to get a car repaired.
Look for reviews and recommendations online or ask friends and family for suggestions. Some community programs and non-profits also partner with trusted auto shops to provide discounted services.
Yes, some programs specifically help individuals who are seeking employment. Local charities, religious institutions, and community programs often have resources for those in need of transportation to job interviews and work.
What CreditNinja Wants You To Know About Car Repairs
Getting an auto repair can cost a pretty penny. Thankfully, there are plenty of ways to finance vehicle repairs. Drivers can get free or discounted repairs from local organizations or finance repair costs with the help of online loans. No matter which financing option you choose, ensure that you weigh your options carefully so you find the best deal available.
If you want further information on loans or other financial topics, check out the CreditNinja blog! We offer information on how to store money without a bank, avoiding NSF fees, how to get good credit, and more!
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