Car repair due – what to do when your wallet is empty?

no money for car repairs

Car damaged or the electrical system no longer works, or. No longer flawless. As a rule, a repair of the car is given and can no longer be postponed. But the account is already overdrawn, the next paycheck is still a long way off and the solution to this problem is not so easy to answer.

There are various ways to have your car repaired in spite of everything. Alternative solutions include finding a cheap car repair shop, getting a mini-loan from a lender, or having the repair done at a later date or time. To pay in installments.

Finding a cheap repair shop

comparing local auto repair shops is an option that could be considered. Here it makes sense to tell the truth from the beginning. The repair shop may agree to pay for the repairs at a later date. Payment by installments may also be proposed. If you know the operator of the repair shop well, then the possibilities are not an impossible undertaking.

Search for a repair shop on the internet

On comparison portals on the internet, a large number of car repair shops are listed that offer their services. Different repairs are offered here, which can be booked online.

After the user has entered the type of vehicle and the damage to be repaired in the damage calculator, the calculator will reveal several possible repair shops.

Different garages are listed on a table, price information and services are included.
Once the best repair shop has been chosen, the desired repair and appointment can be arranged online. Almost all of the providers that appear in a comparison portal are master workshops that also use brand-name spare parts. The payment is made after the repair is done in the workshop. Also a payment on account can be agreed upon, this has the advantage that the car owner can take some week payment break in requirement.

Self-repair rarely feasible

In the past it was often possible to repair your car yourself. For this purpose, there were even specially provided workshops. This gave us the opportunity to save on the cost of repairing the car, but in the end we only had to pay for replacement parts.
Nowadays it is hardly feasible to carry out a self-repair without professional knowledge and special tools. This means that every time a repair is due, a trip to the repair shop is unavoidable.

A mini-loan is the way out

A mini loan can be applied for quickly and also online. A request to his house bank can also be carried out by telephone, the decision is often announced directly, often mini-credit feasible or not.
A comparison on the internet on one of the numerous comparison portals is a sensible alternative to the house bank.
With an online credit inquiry with reputable lenders, the decision whether to take out a loan or not is made immediately. The inquiry is sent to schufa, but is not the only decisive factor for the creditworthiness of the applicant.
Once the comparison calculator has identified the best mini loan offer, the interested party can apply for this mini loan.

Compare minikredit

A credit comparison is quick and easy. In the loan calculator, enter only the desired amount, term and purpose of use with. Several banks are then compared with each other.
Personal information is also required for this method. A digital account statement can also help to conclude the mini loan digitally and to benefit from further favorable conditions.

After you have decided on the most favorable mini-credit, you have the option of identifying yourself online via videoident, including digital signature. Once all the necessary documents are submitted and the mini-credit is approved, the amount is transferred to the desired account within a few days.

Other possible options

It can make sense to talk to the house bank. Often it is the case that one has several different credits at the same time running. Here it can be worthwhile to combine these loans in one loan.
Has the advantage that it is easier to keep track of and only have to pay one amount of credit.

Many banks grant the borrower a payment break, which means that the first loan installment is only due several weeks after the loan has been disbursed. This gives the borrower a breather and the opportunity to save money.
If a personal loan or mini-loan is rejected because the applicant is not creditworthy, for example, then there is still the possibility of a credit guarantor to provide.
This can be a known person who is liquid and the installments continue, should the borrower for any reason whatsoever, the installments can no longer settle.
This method is rare because it involves too many risks for the guarantor.

Pay off the residual value of the car

If all possibilities fail and a car repair is not feasible because of lack of money, then the last possibility is to sell his damaged car. If the car is an old piece of junk anyway, then it is unlikely that there will be much financial benefit. For a few hundred euro you could at least get another vehicle.
In case of need, a scooter or moped could be sufficient to get from A to B.
Especially in the summer months a method to consider. Even looking for a ride, if you need your car for the way to work, can be useful.
Öpublic transport is also a good way to get somewhere else.

Installment purchase of used cars

An inquiry at the car dealer can also be worthwhile and successful. If it is a used car then a demand is worthwhile in most cases. A deal like this is done quickly and both the customer and the car dealer should be satisfied. The car dealer is happy because the used car is no longer useless in the area and dead capital means.
The buyer is happy to have found a cheap means of transport and to be able to drive it at reasonable rates.


There are a number of possibilities that make it possible, despite empty wallets, to be able to complete a due car repair. A mini-credit is a very good perspective to have your car repaired, especially in case of minor damages.
Some garages also allow payment by installments, but this usually requires a written agreement. In this case it can mean that if you do not pay the car will change the owner. in this case the owner of the car repair shop.
Mini loans are cheap to get, the interest rates are particularly favorable and the term is hardly longer than 12 months.

an overdraft is also a chance to have your car repaired. The prerequisite for this is that the house bank agrees to it. This is usually the case when there is a regular cash inflow (salary). Because of the high interest rates on overdrafts, it should only be considered in the short term.

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Christina Cherry
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