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Car Repair Loans – Get A Loan To Fix Your Car – Apply Online Today!

Pheabs is able to help you get a loan to pay for your car repair even if you have a poor credit history!
Our online application process quick, easy and doesn’t leave a footprint on your credit score.
Apply now and get an instant decision on the screen!

Your loan enquiry will be subject to income, credit check and residence – with options available in Texas, California, Nevada and all over the US.

Online Application

Applying through our online application form takes just 5 minutes and couldn’t be easier to do!

The Best Rates

Pheabs only works with legitimate lenders, making sure that you are being offered fair rates with terms to suit you.

Soft Credit Check

We only conduct a soft credit search when you apply, leaving no impact on your credit and with no hidden fees.

What Car Damage Repairs Can I Fix With a Loan?

While the damages to your car may have been done by someone else, costs are likely to still be incurred on you as the car owner or renter.

You can also use a car repair loan to fix another automobile, such as a van, truck or motorcycle.

You can use a Car Repair Loan from Pheabs to fix any of the following damages and more;

  • Rear-end damages;
  • Cracked windshield;
  • Vandalism;
  • Crashes;
  • Damaged headlights;
  • Faulty brakes.

How Does a Loan to Fix My Car Work?

Getting a loan to fund your car repair with Pheabs is easy thanks to our three stage process:


1. Apply Online Today


2. Wait To Hear Back From Us


3. Receive Your Loan Within 24 Hours

Can I Get a Loan for Car Repairs With a Bad Credit History?

Even if you have a bad credit history, you still can apply for a loan for car repairs with Pheabs!

Our trusted panel of lenders lend to borrowers with all kinds of financial records. They aim to provide you with the best available rates to you and help you where they can.

In fact, if you borrow with Pheabs and pay it off according to the terms of your agreement,  your credit history could improve which can in turn make it easier to secure loans in the future should you need them.


How Long Will It Take to Receive a Loan to Fix My Car?

With Pheabs, you could have your car repair loan in your account the very same day you apply for it.

When we receive your application, we will connect it with one of our regulated lenders who we deem a good fit for you and aim to find you a match within 24 hours.

How Will Repayments Work for My Car Repair Loan?

Repayments on your loan for car damage will be automatically taken from your checking account on the same day every month until you have paid off the loan and accrued interest.

You will together agree with your lender on this date. Most opt for their repayment funds to leave their account on their pay day.

Payments will be made in equal amounts and you will have the option to pay your loan off early if you can. However, you should be clear on the repayment terms before deciding to alter your repayment plan.

What Do I Need to Consider Before Applying for a Car Repair Loan With Pheabs?

Before applying for a car repair loan with Pheabs, you should consider the following;

  • Whether you urgently need the car repair loan, how you will pay it back, and what will happen if you fail to
  • Your credit record will determine the terms you are offered on your car repair loan
  • Whether you could seek the funds for your car repair elsewhere, such as from friends and family

Am I Eligible for a Car Repair Loan?

You can apply for a car repair loan with Pheabs as long as you meet these following four requirements:

  • Are over 18 years of age
  • Have American citizenship
  • Have a minimum monthly income of $800
  • Have a current account for us to deposit funds into

Where Can I Find a Car Repair Loan?

Pheabs provides installment loans, title car loans and other types of loans for car repairs across 37 states. These include California, Texas and Nevada.

In some of the states we operate in, we are limited by legislation on how much we can lend. In some states, the interest on loans are limited, such as in South Dakota.

We do not operate in the states where payday loans are not authorized, such as New York.


Pheabs will consider every applicant looking for no credit check loans, but it is important to note that a credit check is usually carried out for all customers.However, when you apply, we will only conduct a soft credit check which has no influence on your credit score and leaves no footprint on your credit history either.

With Pheabs, you could find a car repair loans for as little as $100 or as much as $35,000.The amount that you will be able to borrow is based on factors like your monthly income, credit status and affordability, as well as if there are any restrictions on loans in your state.

Some common car repair bills that customers have used loans to pay-off are include oil changes, brake work, tire repairs or changes.

Yes, submitting a loan request through Pheabs is completely free. We may earn commission from our lenders if your application with them is successful, however, we will not charge you any fees for completing our online form.

If you fail to make a scheduled repayment, or pay this repayment late, you could be charged a fee for this. This could also damage your credit score. If you are concerned about making a repayment on time, it’s best to speak with your lender about this, and try to work out a manageable solution should you fail to repay on the agreed-upon repayment date.