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Auto Repair Loans

auto repair loan

When your car breaks down unexpectedly, it can throw off more than just your daily routine — it can disrupt your entire financial plan. At Time Financing Service®, we know that reliable transportation is essential for work, family, and everyday life. That’s why we offer auto repair loans in North Carolina designed to help you get your car fixed quickly without draining your savings or turning to revolving debt.

Our flexible loans are perfect for covering repair costs like new brakes, tires, transmissions, or engine work. With loan amounts ranging from $1,500 to $12,000, you’ll have the freedom to handle your car expenses with one simple, predictable monthly payment.

No matter where you are in North Carolina, Time Financing Service® has 25 locations to help you get back on the road with confidence.

Loans from $1,500-$12,000

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Why Choose Time Financing Service® for an Auto Repair Loan?

At Time Financing Service®, we’ve been serving North Carolinians for over 60 years — and we understand that life doesn’t stop when your car does. We make financing your vehicle repair fast, local, and stress-free.

Here’s what makes our auto repair loans different:

1. Fast, hassle-free process. Apply online, by phone, or visit one of our convenient North Carolina branches for same-day approval decisions.

2. Fixed monthly payments. Budget with confidence knowing exactly what you’ll owe each month — no surprises or changing interest rates.

3. Local expertise you can trust. As a North Carolina-based lender, we’re proud to serve our neighbors with care, respect, and integrity.

4. Loans that fit your needs. Whether it’s $1,500 or $12,000 in repair costs, or anywhere in between, we’ll tailor your loan to your situation.

Our goal is to make borrowing as easy as possible, so you can focus on what matters most — getting your vehicle repaired and your life back on track.

auto repair loans

How it Works

  • Apply Online, by Phone, or In-Person: Complete our fast application to get started.
  • Customized Loan Offer: We’ll work with you to find the right loan amount for your specific needs—whether it’s $1,500, $12,000, or somewhere in between.
  • Pay Off Your Debts: Use your loan to help get you back on the road.
  • Enjoy One Simple Payment: Handle car repairs without juggling bills—just one monthly payment you can count on.

Is  an Auto Repair Loan a Good Idea?

For many North Carolinians, an auto repair loan is a smart alternative to draining an emergency fund or maxing out a credit card. Car repairs can be unpredictable — and paying them off over time can help you stay financially stable while keeping your vehicle on the road.

If your car is essential for work, school, or family life, an auto repair loan can:

  • Help you avoid missing work or important commitments

  • Prevent long-term damage from delaying necessary repairs

  • Spread large repair costs into affordable monthly payments

  • Protect your savings for true emergencies

At Time Financing Service®, we believe everyone deserves access to safe, dependable transportation. Our team will guide you through the process and ensure your loan is right for your situation.

Ready to Get Back on the Road?

You can get an auto repair loan in North Carolina from Time Financing Service®. With 25 convenient locations and same-day approvals*, we help North Carolinians handle car repairs quickly and affordably. Whether it’s a transmission fix, brake replacement, or air conditioning repair, our personal loans make it simple to get back on the road.

Visit your nearest location or apply online today to get the help you need fast.

*All loans subject to the current credit policy of Time Financing Service®.

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Frequently Asked Questions

Can I use an auto repair loan for regular maintenance or only major repairs?
You can use an auto repair loan from Time Financing Service® for both major repairs and regular maintenance. Whether it’s engine work, new brakes, or routine service like oil changes and tires, your loan can cover the costs that keep your car running safely. Our loans are flexible and designed to help you handle the expected and unexpected. That means you don’t have to wait to take care of your vehicle when something needs attention.
Can I use a loan to pay off an unexpected bill I already received?
Yes. If you’ve already gotten a repair bill you weren’t prepared for, a personal loan from Time Financing Service® can help you pay it off quickly and avoid additional fees from the shop. Once approved, you’ll receive your funds directly and can use them to cover existing or future expenses. It’s a simple, practical way to manage large repair costs without putting your finances under strain. We help make those surprise bills easier to handle.
How fast can I get an auto repair loan?
Many customers receive same-day approval and funding**, so you can get back on the road without long delays. The process is fast, local, and straightforward — often completed in just a few hours. Once approved, funds are provided directly to you so you can pay your mechanic right away. Time Financing Service® understands that car repairs can’t wait, and we work to make sure your loan doesn’t either.
Can I apply online or do I need to visit a Time Financing Service® branch?
You can start your application online, by phone, or visit any nearby Time Financing Service® branch in person — whichever is more convenient. The online process is quick and secure, letting you apply from your phone or computer at any time. If you prefer to work with someone face-to-face, our local team members are happy to walk you through the process in person. No matter how you apply, we make it simple to get the support you need fast.
Can I get same-day funding for car repairs?
In many cases, yes — same-day funding** is available for qualified applicants. Once your application is approved, funds can be disbursed the same day, allowing you to pay for repairs immediately. This helps prevent long waits for your mechanic or additional damage to your vehicle. With Time Financing Service®, fast funding means faster peace of mind when unexpected car troubles arise.

*All loans subject to the current credit policy of Time Financing Service®.
**Available in most cases. Some exceptions may apply. Processing fees apply.