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Emergency Car Repair Loans in Canada with High Approval Rates, Approved in Minutes

Let us do the hard work: find loan offers tailored to you, all in one place.

$250 to $1,500
Repay over 3 to 6 months
No hard credit check
Have your ID and online banking login ready

How much do you need? $800

Apply Online

Takes less than 6 minutes to apply

Zero impact on your credit score

We connect with all major based banks across Canada.

Loan Boys partners with lenders across all major Canadian Cities for broader access and faster approvals

Calgary

Edmonton

Halifax

Ottawa

Vancouver

Winnipeg

SUPPORT

Is It Possible to Get an Emergency Car Repair Loan with No Credit? Absolutely!

Loan Boys Can Assist You, Even Without a Credit History

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Need Cash for emergency car repair? Loan Boys can help you out!

If you’re looking for emergency car repair loans in Canada and you’re wondering how you’ll get approved because of bad credit or no credit history at all, we’re here to tell you: don’t sweat it! Loan Boys can give you access to the cash you need when you really need it, no questions asked.

We don’t inquire about your credit history; all we care about is your ability to pay back the cash today.

Why Loan Boys has high approval rates?

The reason why we offer vehicle repair loans in Canada with high approval rates is because of two main reasons: the first is that we don’t ask for a credit check, and the second is because we connect you to not one, but several lenders simultaneously.

This gives you the highest chance of success every time. You might even get multiple offers at once!

How long does it take to get a car repair loan in my situation?

You can apply for one of our auto loans for car repairs directly online in a few minutes. You can even get approved within minutes after that.

Can I get a loan with no credit check

We offer a no credit check car repair financing website, which means that you can access your loan regardless of your credit history. No credit? No problem!

Loan Boys can help you out even if you don’t have any credit

We understand that some lenders make you jump through hoops. We won’t. Our vehicle repair loans in Canada with high approval rates are available to you even if you haven’t had the chance to build a credit score yet.

Can a loan help me build or rebuild my credit?

Absolutely! All you have to do is take out one of bad credit loans for emergency car repairs and pay it back according to the terms, and it can impact your credit score in a positive way.

Get Back to What Matters, We’ll Handle the Rest

Stop wasting hours comparing lenders and deciphering terms. Our AI-powered platform does all the heavy lifting for you—so you can focus on what really matters in life.

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We do not check your credit.

How can you use your emergency car repair loan?

You can use our emergency car repair loans in Canada on anything your car needs! This way you can take care of things quickly and efficiently and move on with your life.

Cover the cost of the parts needed for vehicle repairs

You can use the money to cover any replacement parts needed to fix your car or even choose to add a new accessory to help make your daily commutes easier.

Cover the cost of hiring a mechanic

Our bad credit loans for emergency car repairs don’t only cover the costs of parts, they also cover labour. So, you can book an appointment with your trusted mechanic today!

Rent a vehicle while your car is being repaired

Have to get your car fixed but you depend on it for work? Don’t worry. While it’s at the garage, you can use one of our auto loans for car repairs online to rent a car while yours is getting fixed.

What are the most common car repair emergencies?

Head to our no credit check car repair financing website, take out a Loan Boys loan, and here are just some ways that you can use the money:

Flat Tires: Punctures, blowouts, or gradual deflation can leave you stranded. Knowing how to change a tire or having roadside assistance is crucial.
Dead Battery: A battery failure can prevent your car from starting, often due to age, extreme temperatures, or leaving lights on overnight.
Engine Overheating: This occurs when the cooling system fails, leading to steam from the hood or dashboard warning lights.
Brake System Issues: Worn brake pads, damaged brake lines, or malfunctioning components can compromise safety.
Ignition System Failures: Problems with the starter motor, ignition coil, or spark plugs can make it impossible to start your car.
Radiator Damage: A damaged radiator can lead to overheating and engine failure.
Timing Belt Breakage: A broken timing belt can cause severe engine damage and requires immediate replacement.
Running Out of Fuel: Surprisingly common, this can be avoided by keeping an eye on your fuel gauge.

Can I get an emergency car repair loan in my province?

Here are the provinces from which you can access our loans:

Ontario
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland
Nova Scotia
Saskatchewan

What a car repair loan costs in Canada

Everywhere Loan Boys operates, the same two federal ceilings apply: 35% APR on instalment loans, fees included, and $14 per $100 on payday loans. Here is the most a lawful lender can charge to spread a repair bill over a few months:

Amount

Repaid over

Monthly payment

Total interest

$300

3 months

$105.89

$17.67

$600

3 months

$211.78

$35.34

$1,000

6 months

$184.09

$104.53

$1,500

6 months

$276.13

$156.79

Payments at the 35% APR maximum, calculated monthly. Many offers come in lower.

Ways to pay for a repair, compared

Option

Typical cost

Speed

Watch out for

Instalment loan through Loan Boys

Up to 35% APR, repaid over 3 to 6 months

Usually same day by e-Transfer

Spreads the bill over several paycheques

Payday loan

$14 per $100, due within 62 days

Same day

Whole amount due fast; costly if repeated

Credit card cash advance

Often around 21% to 23% plus a fee, with interest from day one

Immediate if you have room

Needs available credit

Shop financing or a payment plan

Varies; ask for the APR in writing

At the counter

Only some shops offer it; often needs a credit check

If you need the car to get to work, the goal is the lowest total cost with payments you can actually make. For most people with bad credit, that is an instalment loan over three to six months rather than a payday loan due in two weeks. Our guide to car repair loans with bad credit compares every option.

Before you borrow: get the estimate in writing

Ask the shop for a written, itemized estimate and borrow only that amount. In Ontario the law goes further: the final bill can't exceed the estimate by more than 10%, and repairs carry at least a 90-day or 5,000 km warranty (Government of Ontario). Other provinces protect you through their general consumer protection laws, so a written estimate is your best evidence everywhere. If the quote is high, a second opinion from another garage can save you hundreds.

What lenders look at when you apply from anywhere in Canada

Lenders in the Loan Boys network don't decide on your credit score alone. They look at five things you can check yourself before applying:

Regular income. A job is easiest. Some lenders also count regular government deposits such as EI, CPP, the Canada Child Benefit or provincial assistance as income; others require employment income. The lender decides.
Your bank account. An active Canadian account with regular deposits and few or no NSF (non-sufficient funds) charges in the last 90 days.
Other short-term loans. An open payday loan lowers your odds, because a second lender is competing for the same paycheque.
Stability. Six months or more at the same address and the same employer helps.
The amount you ask for. $500 on a $2,400 monthly income is much easier to approve than $1,500 on the same income. Ask for the smallest amount that solves the problem.

Where Loan Boys serves drivers

Loan Boys serves Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, Nova Scotia, New Brunswick and Newfoundland and Labrador. It does not serve Quebec, Prince Edward Island or the territories. Each province adds its own borrower protections:

Province

Rules and details

Ontario

Alberta

British Columbia

Manitoba

Saskatchewan

Nova Scotia

New Brunswick

Newfoundland and Labrador

Newfoundland and Labrador page

How to apply from your province

Have your phone, your income details and your bank information ready.
Fill in one short online application. There is no hard credit check, so applying doesn't lower your score.
Lenders in the network review the same application. Most decisions arrive within minutes during business hours.
Read the offer: amount, APR, number of payments and payment dates. Accept only if the payments fit your budget.
Once you accept, the money is usually sent by Interac e-Transfer, often the same day.

Start your application

Loan Boys is a loan-matching service, not a lender. The lender who makes you an offer sets the rate, within the legal limits above. You must be 18 or older, live in the province and have a regular income.