Unexpected Car Repairs? Get Back on the Road Fast with Auto Repair Loans.

Car troubles shouldn’t keep you off the road. Our quick loan approvals will minimize your car’s downtime.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus
Join our growing number of customers who received help with their auto repair bills.

Hear From Our Customers


Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1366 customer reviews

Top quality




Review of Wise Loan

Jude was professional with kind and understanding demeanor

MissionTX78574 26.34-98.375

Great customer service




Review of Wise Loan

KenoshaWI53144 42.63-87.875

Response from Wise Loan:

Teresa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellence service




Review of Wise Loan

HoustonTX77009 29.8125-95.36

Response from Wise Loan:

Lisa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Good service




Review of Wise Loan

Good Service.Knowlegable of service provided

SulphurLA70663 30.235-93.355

Response from Wise Loan:

Thomas, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Mr Glen was very helpful

ShreveportLA71105 32.455-93.7075

Response from Wise Loan:

Angela, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Very good communication




Review of Wise Loan

Very helpful

MarreroLA70072 29.8125-90.13

Response from Wise Loan:

Denise, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very professional and knowledgeable

El PasoTX79925 31.79-106.3425

Response from Wise Loan:

Rose, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

Great

PewaukeeWI53072 43.075-88.275

Response from Wise Loan:

Tracy, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Mr Jude was very respectful and kind

GonzalesLA70737 30.225-90.925

Response from Wise Loan:

Desiree, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service!




Review of Wise Loan

Wise loans with Essential Lending made it easy to expedite business.

AzleTX76020 32.9175-97.5475

Response from Wise Loan:

Douglas, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

Very helpful, did all the work for me.

PoundWI54161 45.1175-88.18

Response from Wise Loan:

Cyle, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Great Customer Service from Jude every time!

PrairievilleLA70769 30.3175-90.9625

Response from Wise Loan:

Corey, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service!!!!




Review of Wise Loan

He was absolutely wonderful and very kind and understanding!! I hope all my experiences are like that!!

SeminoleTX79360 32.7-102.7125

Response from Wise Loan:

Christina, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

VictoriaTX77901 28.8075-96.995

Response from Wise Loan:

Angelina, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

ClevelandTX77327 30.3-94.8525

Response from Wise Loan:

John, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Jude C.

Jude C.

Near Mission, TX 78574
Jude C.

Jude C.

Near , 77322
Jude C.

Jude C.

Near Austin, TX 78728
Jude C.

Jude C.

Near Minden, LA 71055
Jude C.

Jude C.

Near Humble, TX 77346
Jude C.

Jude C.

Near Wylie, TX 75098
Olga S.

Olga S.

Near John St, San Leon, TX 77539
Jude C.

Jude C.

Near Porter, TX 77365
ROBBY G.

ROBBY G.

Near Kenosha, WI 53144
Jude C.

Jude C.

Near San Antonio, TX 78201
Jude C.

Jude C.

Near Kansas City, MO 64111
Jude C.

Jude C.

Near New Zion, LA 70444
Jude C.

Jude C.

Near Klein, TX 77379
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Jude C.

Jude C.

Near Austin, TX 78729
ROBBY G.

ROBBY G.

Near Tomball, TX 77377
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Sycamore Dr, Murphy, TX 75094
Trent T.

Trent T.

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Near Sycamore Dr, Murphy, TX 75094

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What is an Auto Repair Loan?

An auto repair loan is a specialized personal loan tailored for individuals with unexpected car repair costs. These unexpected, expensive repairs, whether a sudden engine failure, transmission issues, or damage from an accident, can quickly add up. Many find these costs challenging, especially those needing an emergency fund or savings.

This type of loan provides a structured repayment plan, offering relief from the immediate burden of these bills. You can structure your payment options as weekly, biweekly, or monthly. With flexible repayment options and competitive interest rates, a loan for auto repairs can be a lifeline for many, ensuring that transportation needs are met promptly.

How It Works

Applying for an auto repair loan with Wise Loan is a straightforward, three-step process:

1

Apply for a Loan

Emergency car repairs can’t wait. Our application is simple and takes less than 5 minutes. You must have a checking account to apply.

2

Receive a Loan Decision

After completing the application, you’ll receive a loan decision within minutes to an hour, reducing the stress of sudden auto repair costs.

3

Get Funds

Whether it’s same-day, instant, or next-day funding, we ensure you get your funds as a lump sum when needed. Direct deposit is required to receive funds.

Why Choose Wise Loan?


At Wise Loan, we stand out as a reliable and customer-centric choice for a car repair loan. Our commitment to efficiency ensures a fast and user-friendly application process, enabling you to secure financial support for vehicle repairs promptly. With flexible terms, competitive rates, rewards for on-time payments through our Nest Egg program, and the opportunity to build your credit score through timely payments reported to credit bureaus, Wise Loan provides a comprehensive solution for your auto repair financing needs.

What Can I Use an Auto Repair Loan For?



Auto repair loans can be used for various vehicle-related emergency expenses, including, but not limited to:

Engine repairs

Transmission fixes

Brake replacements

Bodywork after accidents

Tire replacements

Whatever unexpected vehicle repair costs you encounter, loans for auto repairs from Wise Loan can help you manage and pay for them efficiently.

We Proudly Serve These Locations

Wise Loan proudly serves the following locations:

Auto Repair Loan FAQs

How Much Can I Borrow With an Auto Repair Loan?

The amount you can borrow with an auto repair loan varies. Several key factors play a role in determining the exact amount you’re eligible for. For example, your current financial health, past credit history, and the specific policies of the lending institution are all considered. At Wise Loan, our loan amounts range from $500 to $1500. This wide range allows for versatility based on repair needs. But a word of caution: always borrow based on necessity, not just eligibility. Before diving into the loan, ensure you understand the terms and are comfortable with the repayment plan.

How Do Auto Repair Loans Work?

Auto repair loans, at their core, function similarly to personal loans. The process begins with an online application where you must include your state and the amount needed. We will assess your application and provide a loan decision within minutes to an hour. Once approved, you will choose your repayment terms, including details about interest rates, duration, and other specifics. You will receive your funds via direct deposit as a lump sum.

Are Auto Repair Loans Hard to Get?

Compared to traditional loans from mainstream banks, loans for auto repairs are more user-friendly. They are crafted to aid those hit with unexpected vehicle repair bills. Though your creditworthiness is evaluated during the loan application process, online lenders, especially Wise Loan, have a more empathetic approach. We recognize the pressing nature of car repairs and the essential role a car plays in daily life. However, even in this accommodating landscape, it’s beneficial to maintain a commendable credit score, as it can lead to more favorable terms and interest rates. Even those with bad credit may qualify for a loan.

How Do I Get an Auto Repair Loan?

Starting your loan journey is relatively straightforward, especially with lenders like Wise Loan, which offer streamlined online application processes. After you’ve entered all your relevant details and applied, there’s a quick turnaround time. Most applicants receive a loan decision in minutes to an hour. If the decision is favorable and you’re approved, you can often access the required funds on the same day, ensuring your vehicle gets back on the road as soon as possible. Preparation is essential: having all necessary documents and information ready ensures a smooth process. Given the variety in the lending market, it’s a good practice to shop around and compare terms, rates, and reviews before settling on a lender.

What Are My Auto Repair Financing Options?

Auto loans aren’t a one-size-fits-all solution. They come with a palette of options to cater to diverse needs. On one hand, you have unsecured loans favored by many because they don’t require any form of collateral. On the other hand, secured loans ask for an asset, possibly the vehicle itself, as a safety net for the lender. If a loan isn’t the best fit, explore other avenues. Some auto repair shops offer their own financing or payment plans. Additionally, using a credit card might be a feasible short-term solution, though one should be wary of high-interest rates.

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Resources

Apply for an Auto Repair Loan Today