Car Repair Loans in Canada
Fast approvals for emergency car repair loans in Canada. Get a quick loan to cover car repairs today!
Get Your Auto Loan for Car Repairs in as Little as 30 Minutes!
For those times when your car surprises you with an unexpected repair and throws a wrench in your financial plans. If your car breaks down, our loans for car repair are meant to help you deal with your auto shop bills and get you back on the road without added stress. We offer a straightforward process with low fees, no credit check, and help when you need it the most. Fix the car without having to worry about affording groceries before payday.
Apply In Minutes
Fill in our easy one-pager with basic details, your employer info, and payroll. Dealing with vehicle maintenance and emergency repairs is hard enough!
Instant Approval
Simple requirements and a quick decision. When your car's out of commission, you need car repair loans fast!
Account Deposit
No need for in-person visits! Apply online and get the funds for your vehicle repair loan sent straight to your bank account.
Repay on Payday
Next payday or 14 days after you receive your car repair loan, we'll withdraw the amount along with our clear and simple fee.
What They're Saying
About Us
We're so grateful for the feedback we've received from Canadians who've used our car repair loans. From Ontario to British Columbia to Nova Scotia, we've helped folks get their cars back in working order. Check out our 4.7 rating on Trustpilot and read a few of our awesome reviews:
Your Privacy is Important to Us
When you're dealing with surprise vehicle repair needs, the last thing you should ever worry about is your data. We'll never share, sell, or rent your personal and financial information. You can read all about how we keep your info safe in our privacy policy.
About Our Car Repair Loans
We believe in keeping auto repair financing simple. Our personal loans for car repairs come with a small transparent fee and we only lend up to $1500. We want repaying the loan to be as easy as it was to get approved for it! You'll know just what you need to pay back, no unexpected charges!
No Credit Check
Credit scores aren't our focus. Who wants to wait for that when they need auto maintenance or repairs? Waiting for a credit check can be a hassle. We do things differently. Just meet our simple requirements and you'll get the same fair rate as everyone else.
We chose to offer small, short-term loans for a few reasons. First, this lets us help more Canadians get the funds needed for car repairs. Second, long-term loans add to the stress, increase debt and make financial strain even worse. So - we stick to short term auto repair loans with a $1,500 limit.
Limited Advances
What You Need
Four easy requirements are all you need to get started. Our form will ask for proof of regular income, your active banking account details, a phone number, and email address. With that, you're all set to apply for car repair loans in Canada!
Why Choose Credit Club
Offering easy access to loans and treating our customers right is what we're about! We make the process of getting a loan and payback simple. Here's how we earned that 4.7 rating on Trustpilot:
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Licensed Lender
We follow all laws and regulations right here in Canada. Currently licensed in British Columbia, Ontario, and Nova Scotia - if you're outside of our jurisdiction, no worries - we're growing fast! Look for our car repair loans in your province soon!
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Transparent Fee Structure
We keep our fees real clear and upfront. No guesswork, no hidden costs - ever! Just pay $14 for every $100 you borrow, up to $1500. Everyone gets the same fair fee, no matter their credit score. It's our way of bringing humanity back to the loan industry.
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Minimal Requirements for Car Repair Loans
To qualify, here's everything you'll need to get started:
- Checking account in your name
- Steady recurring income
- Active phone number
- Email Address
We're making it easy to get the funds you need for auto repair!
Calculate Your Loan Fee
Choose your province and select the amount you're looking to borrow for your car repairs. Our calculator will show what you'll owe come payday.
- $100
- $200
- $300
- $400
- $500
- $600
- $700
- $800
- $900
- $1000
- $1100
- $1200
- $1300
- $1400
- $1500
Frequently Asked Questions
What's the difference between a car repair loan in Canada and a traditional loan?
A vehicle repair loan is a short term financial solution that's meant to help you cover those car repair bills you didn't know were coming. With CreditClubLoans.com, you can apply online and get the funds deposited as soon as the same day.
What do I need to apply for a vehicle repair loan?
We make the application process simple with 4 easy requirements for you to qualify. All you need for a car repair loan is an active bank account, proof of regular income, email address, and phone number. If you have these, you can get approved in as little as 30 minutes!
How much can I receive with an auto repair loan?
At Credit Club, we offer loans between $100 and $1500. To apply for car repair loans in Canada, just give us the details of your checking account, proof of recurring income, a phone number, and email address.
What if I use my vehicle repair loan funds for another purpose?
We don't keep tabs on how you use your auto repair loan. Once the funds are in your account, you have the ability to manage them as needed. Whether you need to cover unexpected car repair costs, like transmission repairs, new brakes, routine maintenance, or anything else, how you spend your car repair loan is entirely up to you. No matter what sort of things come up, just be sure to follow through with repayment.
What happens if the repayment date is missed on my car repair loan in Canada?
On your next payday or 14 days after getting your car repair loan, we'll withdraw the agreed amount plus our small fee. If the withdrawal doesn't go through, there's a $20 charge, in addition to any fees your bank might charge. We understand that unexpected things can happen, so we'll reach out to try and arrange a payment plan that works for you. However, continued non-payment will result in an annualized interest rate of 30% from the loan repayment date up to and including once payment is made. For more details, click here.
How fast can I get a car repair loan in Canada?
With our car repair loan process, many approvals happen in as little as 30 minutes. Apply online, complete instant bank verification, and once you e-sign, we send funds by Interac e-Transfer—often the same day. For a car repair loan, you’ll need a chequing account, steady income, phone, email, and recent bank statements. The entire process is digital and fast.
Can I qualify for a car repair loan with bad credit?
Yes, if you meet basic income and banking requirements in Ontario, British Columbia, or Nova Scotia then you qualify for our auto repair financing options. We don’t run credit checks, so poor credit is not something you have to worry about. For a car repair loan, we review current cash flow and bank statements, not just credit history, then size an unsecured short-term loan you can comfortably repay—up to $1,500.
Can I repay my auto repair loan early?
Yes. You can make early loan payments through a simple email money transfer with no penalty. Paying your car repair loan balance ahead of schedule clears your balance before and makes you eligible to take out additional payday loans whenever you need them.
Lender licence
Ontario 4726568
British Columbia 64068
Nova Scotia 222985929
Fast - Simple - Secure
At Credit Club we are dedicated to providing you with a solution to meet your immediate money needs right from the privacy of your home.
As a licensed and responsible lender, we encourage you to review our sample borrowing costs below.
