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Auto repair loans

Finance car repairs starting at 6.74% APR,

Check your rate with no impact to your credit score.

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Get your vehicle fixed with a personal loan

Engine and transmission

Repair your transmission system or cover the cost of a full engine unit.

New brakes and tires

Pay for new brakes, tires, and installation.

Suspension repair

Fix or replace worn suspension parts to keep your vehicle road-ready.

Bodywork and paint

From sanding and surface prep to the perfect factory-match finish.

Manage car repair costs on your terms

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

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Auto repair loan FAQs

It's a personal loan used to finance car maintenance and repair costs. Auto repair loans are commonly used for large expenses like engine or transmission replacement, new brakes and pads, or suspension and steering. An auto repair loan can pay for bodywork, hybrid/EV battery service, electrical diagnostics, or new tires. When you apply for an auto repair loan through Wells Fargo, you can select the loan option that fits your budget.

Begin by exploring your loan options. You can review rate and payment options with no impact to your credit score. Once you find the option you want, you can apply in minutes, and most customers get a same-day credit decision. If you’re approved, you could receive your funds as soon as the day you sign, like 97% of our customers do.

The APR for an auto repair loan can differ depending on your situation, including your loan amount, term, and credit history. By checking your loan options for the amount you’re considering, you can see your rate options. If you have a qualifying Wells Fargo account, you may be eligible for a 0.25% or 0.50% discount with Autopay.

We offer auto repair loans in amounts between $3,000 and $100,000, with terms from 12 to 84 months.  Our goal is to help you find the right loan for your needs. Explore personalized loan offers with no impact to your credit score. 

Yes. If you use Autopay from a qualifying Wells Fargo account, you can get a 0.25% or 0.50% discount on your auto repair loan rate.

Finance your car repair in just a few quick steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

Most customers receive their funds the same day they're approved.

See options with no impact to your credit.

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Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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