Car Repair Loans That Get You Back on the Road
Cars rarely pick a good time to fail. If a cracked radiator, failed alternator or a set of bald tyres has stopped your week, a car repair
loan from CashLend can cover the bill so you can keep moving. CashLend offers $500 to $5,000 with short terms and repayments that match your pay cycle. You
apply online, we assess your current capacity to repay, and your offer shows the amount, any fees, the total payable and every repayment date so you can decide with the full picture.
What a CashLend Loan for Car Repair Covers
Use the funds for the work that gets you roadworthy again: parts, labour, diagnostics, tyres, batteries, towing, windscreen fixes, panel repairs, rego checks and eSafety or roadworthy inspections. Many customers also use a portion for an insurance excess or items not covered in a claim.
Why CashLend is the Partner to Lend You a Hand for Car Repair Loans
Fast Reviews During Workshop Hours
Complete applications lodged in business hours are reviewed quickly. That helps you approve a quote and green‑light the repair without days of back and forth. Even
students can apply for a loan!
Funds for Quotes, Invoices and Excess
Borrow against the amount on your mechanic’s quote or final invoice. You can also include a reasonable insurance excess or small claim gap where needed.
Repayments That Fit Your Pay Cycle
Choose weekly, fortnightly or monthly repayments that line up with your income. If your roster or payday shifts, contact us early and we will help reset the schedule.
Licensed, Australia‑Wide Support
Assessments follow the National Consumer Credit Protection Act 2009 and the National Credit Code under ASIC oversight. Apply securely from any state or territory.
How to Apply for a Car Repair Loan at CashLend
1
Complete the online form and consent to checks.
2
Upload government photo ID, recent income proof, the last 90 days of bank statements and your workshop quote or estimate.
3
Upload government photo ID, recent income proof, the last 90 days of bank statements and your workshop quote or estimate.
4
Accept when ready and we queue the transfer during business hours so you can book the work.
Eligibility & Required Documents
•
18 or over, Australian resident, regular income and a bank account in your name.
•
Government photo ID, recent payslips or benefit statements, and 90 days of bank statements for your main account.
•
A credit enquiry may be recorded with a reporting body such as Equifax, Experian or illion.
Typical Repair Costs in Australia
| Repair Type |
Examples |
Usual Range |
| Mechanical |
Engine gasket, radiator, transmission service |
$500 – $3,000+ |
| Electrical |
Alternator, starter motor, ECU diagnostics |
$200 – $1,800 |
| Maintenance |
Brakes, suspension components, timing belt |
$300 – $2,000 |
| Exterior |
Windscreen, panel repair, headlight assembly |
$300 – $2,500 |
| Tyres and Wheels |
Four tyres, alignment, rim repair |
$400 – $1,200 |
| Emergency |
Towing, roadside call-out, temporary fix |
$100 – $500 |
Actual prices vary by make, model and parts availability. Use your mechanic’s written quote as the reference point.
What To Do if Costs Change Mid‑Repair
Repairs can expand once a vehicle is on the hoist. If the workshop finds extra faults, ask for a revised quote or line‑item breakdown. Upload a photo or PDF through your account and contact us before authorising the extra work. We can reassess the difference promptly and explain your options. If you decide to scale back the scope, you can keep the original amount and put any remainder toward the balance to shorten the term.
Insurance Excess, Rego and Safety Checks
Many owners use a portion of the loan for an insurer excess or items outside the claim. If the vehicle needs inspection to be legal on the road, check state requirements: eSafety check in NSW, Safety Certificate in QLD, Roadworthy Certificate via VicRoads in VIC, with similar checks through SA, WA, TAS, ACT and NT agencies. Keep invoices and inspection reports together for warranty or compliance queries.
Approval Timing: What Helps and What Can Slow It Down
What Helps: Have a clear ID, readable bank statements, a workshop quote that matches your name, and accept your offer during business hours.
What can slow things down: blurry uploads, name mismatches, first‑time payee holds, late evening approvals, parts backorders and public
holidays.
Your Rights and Where to Get Help
Applications are assessed under the
National Consumer Credit Protection Act 2009 and the National Credit Code.
ASIC oversees licensing and conduct. If we cannot resolve a complaint together, contact the
Australian Financial Complaints Authority on 1800 931 678. For free financial counselling, call the
National Debt Helpline on 1800 007 007. The
ACCC publishes guidance on repair disputes and consumer guarantees. For privacy rights, see the Office of the Australian Information Commissioner. Roadside clubs such as NRMA, RACV, RACQ, RAA, RAC, RACT and AANT provide towing and emergency services that can be included in your costs.
Car Repair Loan FAQs
Do I need a quote from a mechanic before I apply for a loan to repair my car?
A written quote or estimate helps size the amount and speed up the assessment. Upload a photo or PDF from your mechanic.
What if the final invoice is higher than the quote?
Contact us before pickup. Send the updated figure and we can review the difference the same day in most cases.
Can the loan cover towing, diagnostics and parts?
Yes. Eligible costs include towing, diagnostics, labour, parts, tyres, batteries and fluids. We do not fund performance mods or purely cosmetic upgrades.
Can this help with my insurance excess or a claim gap?
Yes. Many customers include an excess or items not covered by their insurer. It does not replace an insurer payout.
Can I use it for rego and inspections?
Yes. Funds can cover rego, eSafety or roadworthy inspections and compulsory third party where needed to get the car back on the road.
My car is older with high kilometres. Is that a problem?
No. Age or kilometres do not rule you out. We focus on affordability and your ability to repay comfortably.
The car is in my partner’s name. Can I still apply?
Yes for an unsecured loan. If a secured loan is required, the registered owner would need to be on the application.
I need the car for work. Can the first repayment start after repairs?
You can choose weekly, fortnightly or monthly and pick a start date that lines up with your pay. If the repair runs late, contact us to adjust.
Can I split the loan across more than one repairer?
Yes. You can pay a tyre centre, an auto electrician and a panel shop from the same loan. Keep each invoice on hand.
What happens if the car is written off mid process?
Tell us once your insurer confirms it. We will outline options for using any remaining funds or adjusting your plan.
Apply Now
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