text: There are plenty of options for people with bad credit scores or limited credit history. LendingPoint hits middle ground with APRs starting at LendingPoint is an Atlanta-based company.
  Auto repair credit cards should offer no interest financing if you pay in full within a set period usually six or 12 months. If so, LendingPoint sees potential in you. Plus, NetCredit loans are unsecured, which means you are not required to provide collateral such as a home or car title. Are you still driving with that new-car smell? However, the terms of credit cards for people with bad credit generally include high APRs and you may only be approved for a low credit limit, which might not be enough to pay for the auto repairs you need.
  Even if you purchased your used car from a private seller, run the VIN to see if the car still has a valid warranty. This will also keep you from adding credit card debt, which usually comes with higher interest rates and fees. This form of auto repair financing is usually called a title pawn loan or pink slip financing. While you want to get back on the road as soon as possible, be wary of mechanics who promise unbelievably fast and affordable service.
  It would be much easier to find a standard credit card company that works with people with bad credit and use it to fund your auto repairs. It factors in your income, financial history and current credit habits. Does NetCredit offer auto repair loans? And when you need money right away, consider an auto repair loan first. Some companies said approval is based on many factors and that anyone who is interested should apply, regardless of their credit score.