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Emergency Car Repair loans in Ontario 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 a Car Repair Loan with No Credit? Absolutely!

Loan Boys Can Assist You, Even Without a Credit History

Apply Online

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Facing an Emergency Car Repair? Loan Boys Has You Covered!

If your vehicle has broken down and you’re trying to figure out where you can access emergency car repair loans in Ontario, you can stop looking! Loan Boys can help, regardless of your credit history.

We understand that when you’re in a jam and you need quick access to funds, getting the money you need when you need it most can be a real lifesaver. We’re here to make your life easier.

Why Loan Boys Achieves High Approval Rates

We can give you access to vehicle repair loans in Ontario with high approval rates. How? Because we make sure to connect you with not one, but several lenders to make sure you have the highest chance of getting approved.

It’s also not uncommon for our customers to get more than one loan offer at once! So, you’ll be able to consider the terms and take your pick.

How Quickly Can You Secure a Car Repair Loan for Your Needs?

Our auto loans for car repairs are accessible to you online. You can fill out the application form in a few minutes and then get approved within minutes after that.

No Credit? No Problem – We've Got You Covered!

You can head right to our no credit check car repair financing website and take out one of our loans regardless of your credit score. We don’t care about your history. All we care about is if you can pay your loan back today.

Loan Boys Offers Assistance, Even Without a Credit History

One of the reasons why you can access our vehicle repair loans in Ontario with high approval rates is because we don’t ask for a credit report. This means that, even with bad credit or no credit at all, you can get your money.

Is a Loan the Right Step to Build or Rebuild Your Credit?

Yes. Taking out one of our loans and repaying it according to the pre-established terms is a great way to positively impact your credit score.

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.

Apply Online

We do not check your credit.

Ways to Utilize Your Emergency Car Repair Loan

Head to our no credit check car repair financing website and take out one of our loans to handle whatever repairs your car needs, quickly and efficiently, so you can get back to normal in no time.

Cover the Expenses for Essential Vehicle Parts

You can use our loans to purchase the necessary components to get your car back in working order, or even to buy an accessory to make your daily drives easier or more comfortable.

Pay for Professional Mechanic Services

Our bad credit loans for emergency car repair are not just for parts. You can use them to cover the cost of hiring a skilled mechanic to diagnose and fix the problem.

Rent a Car During Repairs

You can also take out one of our auto loans for car repairs online to secure a temporary vehicle to keep up with your daily commitments while your car is in the shop. No better way to pay the loan back than being able to make it to work!

What Are the Typical Car Repair Emergencies?

Here are a few ways in which you can use our car repair loans in Ontario.

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 local area?

Wondering if you can get one of Loan Boys’ bad credit loans for emergency car repairs in your city? Here are just a few cities we cover. Contact us if you don’t see yours below. We’re here to help.

GTA
Toronto
Ottawa
Brampton
Mississauga
Hamilton
London
Windsor

What a car repair loan costs in Ontario

A repair bill rarely waits for payday. In Ontario, any loan other than a payday loan is capped at 35% APR, all fees included, and payday loans are capped at $14 per $100. 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.

Your rights at an Ontario repair shop

Before you borrow, make sure the bill is right. Ontario's Consumer Protection Act gives you rights at every repair shop in the province:

The shop must give you a written estimate before charging you, unless you decline it and agree to a maximum amount instead.
The final bill can't be more than 10% above the estimate, or above the maximum you agreed to.
If the shop charges for the estimate itself, it must tell you the price before doing it.
Parts and labour generally come with a warranty of at least 90 days or 5,000 km, whichever comes first.
You can ask for your replaced parts back, with limited exceptions.

Source: Government of Ontario, Car repair shops: your rights. Knowing these rules can cut the amount you need to borrow, sometimes to zero.

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

For most people with bad credit who need the car to get to work, the instalment loan is the middle ground: cheaper than repeating payday loans and easier to get than shop financing. Our guide to car repair loans with bad credit goes through each option in detail.

What lenders look at when you apply from Ontario

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 Ontario Works, ODSP, CPP, EI or the Canada Child Benefit 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.

How to apply from Ontario

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.

Tip: ask the shop for the written estimate first, then apply for that amount, rounded up by no more than $50. The 10% rule means the final bill can't run far past it.

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.

Guides for Ontario drivers

Car repair loans with bad credit: costs and options
Bad credit loans in Canada (2026): how they work and what they cost
How much a payday loan really costs: the $14 cap and the real APR
Bad credit loans in Ontario: the full provincial rules
Emergency car repair loans across Canada: options compared

Common questions from Ontario drivers

Can a mechanic charge more than the estimate in Ontario?

Not by more than 10%. If the shop finds more work, it must get your approval before going past that limit.

Can I get a car repair loan with bad credit in Ontario?

Yes. Lenders in the Loan Boys network look at your income and bank activity rather than your credit score alone, and applying involves no hard credit check.