We are committed to supporting our service members, veterans and their families. We are also support for the families with personal needs, housing and auto repairs, food baskets, newborn baskets, blankets for the wounded and whatever else we are able to do.

The following options may help you find a viable solution to getting the cash you need for auto repairs.

1. Apply for a Personal Loan.
2. Try Auto Repair Loans or Auto Lenders.
3. Get a Personal Loans from a Family Member or a Friend.
4. Check out Car Repair Insurance Options.
5. Credit Card Coverage.

Programs that provide emergency financial assistance

1. Government food programs.
2. Government help with utilities.
3. Government help with housing costs.
4. Government medical assistance.
5. Nonprofit food assistance programs.
6. Help with utilities from nonprofits.
7. Nonprofit housing assistance for mortgage and rent costs.

What Are Your Options If You Can’t Afford Your Car Repairs?

1. Talk to Your Mechanic.
2. Get a Second Opinion.
3. Buy Used Parts.
4. Check Your Warranty.
5. DIY.
6. Make Payments.
7. Sell Your Car.
8. Tear-A-Part Can Help.

Call a roadside assistance company and explain the situation. Not always, but in many cases, roadside assistance services will have some kind of program in place to help when someone breaks down and they have no money to pay for services right at the time they are provided.

Key Takeaways

• Your credit score is a major factor in whether you’ll be approved for a car loan.
• Some lenders use specialized credit scores, such as a FICO Auto Score.
• In general, you’ll need at least prime credit, meaning a credit score of 661 or up, to get a loan at a good interest rate.

Wait and Improve Credit – For some, their only option for buying a car with bad credit and no cosigner is to wait. Take some time to work on improving your credit before applying for a car loan to give you a better chance at an approval. You can work on establishing a strong payment history with a credit card or two.

The most common type of loan available to borrowers with a 611 credit score is an FHA loan. FHA loans only require that you have a 500 credit score, so with a 611 FICO, you will definitely meet the credit score requirements.

Each model only looks at the information in one of your credit reports from Experian, Equifax or TransUnion to determine your score. A higher score is best because it indicates you are less likely to miss a loan payment. The latest base models also have the same scoring range: 300 to 850.

570 Credit Score Loan & Credit Card Options Credit cards and auto loans offer the best approval odds for someone with a 570 credit score. For example, people with credit scores below 580 take out roughly 12% of car loans versus only 6% of mortgages, according to 2017 Equifax data.

OneMain Financial provides small loans to borrowers with poor or no credit. With OneMain, you can borrow $1,500 to $20,000 — but keep in mind that higher loan amounts might require collateral. Prosper offers loans from $2,000 up to $40,000.

Personal loan applicants with a FICO credit score of 670 or higher, you may have a good shot at getting a $20,000 personal loan with a favorable rate and loan term. While it’s possible to get approved with a credit score lower than that, it could get expensive. Many mainstream lenders charge as high as 36 percent.

The easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates that they consider people with scores below the fair credit range (below 640). So even people with bad credit may be able to qualify.