Can’t Afford To Fix My Car

For many car owners, one of the most challenging things to accept is that even in the best-case scenarios, a car breaks down and requires unexpected repairs. When financial struggles make it hard to pay for necessities, finding a way to fix your vehicle can be a massive challenge. If you’re in this situation right now, you’re not alone. But there are still practical steps you can take to start healing from auto repair bill debt without breaking your budget. To help you, we’ll look at ways to find affordable solutions so that you don’t have to worry about whether or not you can get back on the road again.

Secure a Short Term Loan To Help Cover the Cost of Your Car Repairs

If you need help covering the cost of car repairs, there are many services available that can provide financial assistance. One of these is a short term loan, which we can offer up to $5,000 in quick cash, with payment plan terms ranging from several weeks to monthly payments. At City Finance, we provide a personal loan to help people in emergencies with a minimal interest rate. Such as when car repairs are urgently needed, and the funds aren’t there.

The process is relatively simple and fast—you simply fill out an online application, and within minutes you may have the money in your bank account. With our service, you can get your money in as little as one business day. When used responsibly, a short term loan can be an excellent way to cover the cost of car repairs without putting too much strain on your budget. By taking out a short term loan, you can get your car fixed and be on the road again with minimal stress or worry.

What Is the Average Cost of Car Repairs in Australia?

Car repairs are an unavoidable cost for many Australians, especially those who rely heavily on their car for transportation. With so many vehicles on the roads, it’s no surprise that car repairs can be expensive. However, knowing the average costs of car repairs can help you prepare and budget for any future issues with your vehicle.

Here are some of the most common mechanically inclined repairs and their cost in Australia:

  • Brakes: Brake pads and discs can cost anywhere between $130 to $400 for a full replacement, depending on the make and model of your vehicle. This cost could increase if you have a more complex braking system or have old cars.
  • Engine: Engine repairs can range from $150 to $190. If you’re having issues with your machine, it is essential to get professional advice as soon as possible so that the damage doesn’t become too severe.
  • Overheating: Overheating can be caused by a variety of things, such as a damaged cooling system or perhaps an oil leak. Repairs for this can cost up to $250 and $1,300, depending on the severity of the issue.
  • Starter motor: Replacing the starter motor can cost between $400-$600. This is a relatively common repair, and it’s important to get it fixed as soon as possible in order to prevent further damage from occurring.
  • Steering: Replacing a steering part can cost between $400-$800. This could be because of worn-out parts or due to an issue with the power-assisted system. That’s why it’s essential to get regular check-ups, so any potential problems can be fixed before they become an issue.

How to Minimise Car Repair Costs?

Are you a car owner who is struggling to afford repairs? If so, you’re not alone. With the cost of parts and labour increasing all the time, it can put a lot of stress on drivers who are already struggling financially. Fortunately, there are steps you can take to minimise the cost of maintaining payment plans and repairing your car.

Here are some tips for cutting back on repair costs:

1. Check the Oil Level Regularly and Change It When Needed

Failure to check the oil level regularly and change it when needed can cause serious damage to your vehicle’s fine print. Regular checks and maintenance of your car’s oil help to lubricate the engine parts and keep them clean and running smoothly. It also prevents an engine from overheating. If your car’s oil levels are low, fine particles can be released into important parts of the engine, eventually leading to failure.

2. Keep the Tires Inflated to the Proper Pressure

Properly inflated tires are an essential part of auto repairs, as they can affect not only the performance of your vehicle but the life of your tires. Failing to keep the correct level of pressure in your tires can lead to reduced fuel efficiency, uneven wear and tire damage from under-inflated or over-inflated tires. It is important to make sure that tire pressure is checked frequently when temperatures change or roads are wet or icy, as these can contribute to a decrease in tire pressure.

3. Change the Air Filter Regularly

Keeping up with basic maintenance tasks is essential to ensure your car functions well and lasts longer. One of these important tasks is changing the air filter regularly. Air filters work to keep all the dirt and debris out of the engine. So, a blocked or dirty filter can easily reduce airflow and cause significant issues down the line. Many auto shops offer a senior discount for this kind of service, too, so you can keep your car running smoothly while saving some money in the process.

4. Have the Car Serviced Regularly

Having your car regularly serviced can help to prevent potential problems and extend its lifespan. A skilled mechanic will be able to look over the vehicle and identify anything that needs attention. At the same time, they can carry out important maintenance tasks such as changing the oil or checking the brakes. With regular services, you could have many years of trouble-free driving ahead of you.


Overall, the cost of car repairs in Australia can vary greatly depending on the make and model of your vehicle as well as the extent of the damage. That being said, it is always a good idea to budget for these costs and other interest charges, as they can be costly and could put a strain on your pocket. It is also important to get regular check-ups for your car so that any potential problems can be identified before they become more serious. That way, you can save money in the long run and ensure that your car is in its best condition.