Car repair loans

Car repairs are usually paid with a personal or short-term loan, depending on the size of the bill. Get at least two quotes, ask whether your insurance, warranty or service plan covers the fault, and borrow only for the essential repairs if money is tight.

What lenders check

• Income and affordability
• Credit record

Documents you'll need

• Green barcoded ID or smart ID card
• Latest 3 months' bank statements
• Latest payslip (if employed)
• Proof of address not older than 3 months
• Workshop quote (helpful)

Watch out for

• Check your motor plan or warranty first.
• For bills under R8,000 you'll likely be offered short-term credit — compare the total cost.
• Avoid workshops asking for full cash upfront before any work.

Can I get vehicle finance for repairs?

Vehicle finance is for buying a car; repairs are normally paid with a personal loan.

Will the loan pay the mechanic directly?

Usually the money is paid to you.

Can I negotiate the quote?

Yes — ask about pattern parts versus original parts to reduce the cost.

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