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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When the car is on the hoist…
Car Repair Loans
to get you back on the roadWork, school and the weekly shop all assume the car starts. A CashnGo car repair loan of up to $5,000 can cover the workshop bill, with the car staying yours and every fee shown before you sign.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Car Repair Loans
Fix the car. Keep the car.
A car repair loan is an unsecured personal loan for getting a vehicle safe and moving again: a failed battery, tyres, brakes, a timing belt, a windscreen or the quote the mechanic just walked over with. We do not take the car as security.
Get the workshop quote first. Then choose a Small Loan of $2,000 or less or a Medium Loan of $2,100 to $5,000 — enough for most everyday repairs, not a full engine rebuild.
Off the hoist, back in the driveway
Apply from the waiting room, check the repayment against payday, and pick the car up knowing the bill is handled. How quickly the money lands still depends on your bank once you sign.
What is a car repair loan?
It is a personal loan used for vehicle repairs and running costs, not a car loan to buy a vehicle. You keep ownership. Comparison and specialist lenders often advertise larger, longer products; CashnGo is the short, unsecured option of up to $5,000.
Registration, compulsory third-party, a set of tyres or a roadside repair are all common uses. A repair you cannot postpone is a good reason to look. A car that is already uneconomical to fix may not be — the loan still has to be repaid after the mechanic is paid.
Quote first, then the smallest amount that works
Ask the workshop whether the work can be staged, whether a used part is safe, and whether they will hold the car on a deposit. Borrow the quoted figure rather than a round number.
If the car is how you get to work, say so in the application — it helps us understand the purpose. We still check that the repayments fit beside fuel, insurance and everything else.
Applying for Car Repair Loans
From the quote to the keys
Use the mechanic’s figure, apply online in about five minutes and review the full cost before you authorise the work.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Car Repair Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
Back on the road with a lender people trust
Apply from your phone, see every fee before signing and call a real Australian team if you need a hand. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackCar Repair Loans questions, answered
Unsecured car repair loans, what they cover, and how they differ from a car loan.
A car repair loan is a personal loan used to pay for vehicle repairs or essential running costs. CashnGo offers up to $5,000 unsecured, which means we do not take your car as security.
No. A car loan is usually for buying a vehicle and is often secured against it. A CashnGo car repair loan is a short personal loan paid to you so you can pay the workshop and drive away in the car you already own.
Servicing, tyres, batteries, brakes, windscreens, diagnostics, smash repairs you are funding yourself, and similar costs that keep the car safe and legal. Buying a replacement car is a different product.
No. Approved funds go to your bank account after you sign. You pay the workshop under their usual terms.
Everyday jobs often sit inside our range of up to $5,000. If the quote is higher, ask the workshop about staging the work or a longer loan elsewhere rather than borrowing more than you can repay.
The form takes about five minutes on your phone. Most people receive an outcome in seconds; some applications need extra review. We send approved funds after you sign, and your bank controls arrival time.