For most people in the United States, their car is their primary means of transportation, so if your car unexpectedly breaks down, it can affect your ability to get to work or run errands. But repairs can cost hundreds or even thousands of dollars! According to AAA, drivers typically pay between $500 and $600 each time they visit an auto repair shop.1
If you need help paying for your car repairs, learn about your financial assistance options below!
Average car repair costs
Vehicles require a lot of maintenance to keep them running smoothly. And even if you keep on top of maintenance, an unexpected problem can pop up. Wondering how much a car repair will ultimately cost? Take a look at this list of common vehicle repairs and their average cost.
| Repair type | Average Cost (USD) |
| Oil change | $35 – $75 |
| Brake pad replacement | $150 – $300 |
| Battery replacement | $50 – $200 |
| Spark plug replacement | $100 – $200 |
| Tire change | $400 – $800 |
| Gearbox repair | $1,000 to $5,000 |
| Alternator replacement | $300 – $700 |
| Timing belt replacement | 500 to 1,000 US dollars |
| Repair of air conditioning systems | $200 to $1,000 |
| Wheel alignment | 75 to 200 US dollars |
| Replacing the fuel pump | $400 – $600 |
| Replacing the water pump | $300 – $750 |
Disclaimer: The costs listed in this table are average estimates for common auto repairs and can vary greatly depending on a number of factors, including the make and model of the vehicle, the region, the specific repair shop, and the extent of the damage or wear.
Do I get free car repairs?
Did you know that you can get car repairs for free or at discounted prices?
- Business schools – Local vocational schools that offer mechanic training may offer financial assistance with auto repairs. Students will gain mechanical experience and your most important reliable mode of transportation will be fixed!
- Local charities – Local charities may offer community members donated cars, mortgage assistance, or free repairs. Your state’s DMV may also be able to help with repair costs.
- Religious institutions – Many religious institutions offer assistance programs for parishioners. For example, the United Methodist Church is known for offering mechanical labor or financial assistance to repair a car.
How to finance car repairs
There are several ways to finance an unexpected car repair. If you’re undecided, consider one of these auto repair assistance options.
Borrow from friends and family
Borrowing money from family or friends is an ideal way to finance expensive car repairs. But before you ask for money, it’s important to get an estimate from a licensed mechanic so you don’t ask for more money than you need. Remember that borrowing money from family or friends can complicate the relationship, so make sure you set up a firm financial plan for repayment.
Using a credit card
Many borrowers finance large purchases with credit cards, but this may not be an affordable option unless you can pay off the purchase quickly. Credit cards are known for their 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 can help you get auto repair help quickly. Personal loans are quick cash loans that typically provide funds within one business day. Personal loans can be small or large, making them ideal for all kinds of expenses. If you have a bad FICO score, know that many online lenders have flexible qualification requirements.
Using a title loan
Title loans are secured loans that use vehicles as collateral for financing. While it’s possible to get a title loan for auto repairs, keep in mind that most lenders require the vehicle to be in working condition. If your car needs repairs before it’s operational again, you may not qualify for a title loan.
Can I get a free car?
Suppose your car cannot be repaired or the cost of repairs is simply not worth the price. Is it possible to get another car for free? It is 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 eligible individuals get free cars:
- Goodwill – Goodwill regularly auctions off donated cars at discounted prices. However, they also donate cars to people who meet certain criteria.
- Kars4Kids – Cra donations benefit Kars4Kids’ charity programs.
- 1-800 Charity Cars – This nonprofit organization generally helps victims of domestic violence or natural disasters, veterans, the medically needy, and more.
- Cars help veterans – This program aims to improve the lives of veterans in the United States who have fallen on hard times.
Frequently asked questions about vehicle repairs
Some programs may consider your household income when determining eligibility for auto repair assistance. It’s a good idea to check the specific requirements of the organizations or programs you plan to use to repair your car.
Look for reviews and recommendations online, or ask friends and family for suggestions. Some community programs and nonprofits also partner with trusted auto repair shops to offer discounted services.
Yes, some programs specifically help individuals seeking employment. Local charities, religious institutions, and community programs often have resources for those who need transportation to interviews and work.
What CreditNinja wants to tell you about car repairs
Car repairs can get pretty expensive. Fortunately, there are many ways to finance vehicle repairs. Drivers can get free or discounted repairs from local organizations or finance repair costs using online loans. No matter which financing option you choose, be sure to carefully weigh your options so you can find the best deal available.
If you want more information on credit or other financial topics, check out the CreditNinja blog! We have information on how to invest money without a bank, avoid NSF fees, get good credit, and more!
Sources:
- Car repair costs have risen nearly 20% in the past year│CNBC
- What is the average annual percentage rate on credit cards?│CNN
