Help paying for car repairs: where to look

First, cut the bill down

Ask for an itemized quote that splits parts from labor, then call one other shop with that list. Prices for the same job can vary a lot.

• Ask which repairs are urgent and which can wait.
• Ask about used or remanufactured parts.
• Ask for a payment plan. Some independent shops will split a bill over a few paychecks.

Organizations that help pay for car repairs

Call or text 211, or go to 211.org. It’s a free line that connects you with local programs. Some areas have car repair help for people who need their car to keep working.

Local charities, churches and community action agencies sometimes cover part of a repair, especially if it keeps you employed. Ask 211 which ones serve your area.

Help with car repairs for low income families

If you get benefits like TANF, ask your caseworker about transportation help. Some states can put money toward a repair that keeps you working.

Help paying for tires

• Ask about used tires with plenty of tread left. They cost a fraction of new.
• If money is tight, replace the two worst tires now and the others later.
• Ask the shop if they price-match, or check if a tire chain has a sale coming up.

If you need to borrow, start with a credit union

Many federal credit unions offer Payday Alternative Loans (PALs). They’re small loans with interest capped at 28% APR, made for exactly this kind of bill.

Try to avoid payday and title loans. Their fees can add up to more than the repair, and a title loan puts the car itself at risk.