It can be tempting to forgo costly automotive repairs to save money, but you may be risking higher costs down the road. In addition, a car in need of repairs may be unsafe to drive in certain conditions. At Jim Hudson Ford, we offer car repair financing for Columbia drivers who are concerned with the high upfront cost of repairs. 

How about car repair financing with bad credit? We ensure that a low credit score won’t stand between you and the auto repairs you need. Learn more with the guide below, and don’t hesitate to follow up with our service or finance departments with any further questions!

What is Car Repair Financing?

Car repair financing allows Irmo drivers to take out a loan for repairs and pay over time. That said, certain coverage programs can eliminate the need for auto repair loans in the first place. These include:

• New car warranties
• Extended and used car warranties
• Collision insurance

If you’re not covered by one of the programs above, car repair financing will help to make auto repairs more affordable by spreading the cost out over time. Typically, car repair loans are personal loans that can be either secured (with the vehicle itself as collateral) or unsecured by the lender. You’ll need to submit to a credit check in order to obtain car repair financing.

Should I Opt for Car Repair Financing?

Even if you can afford the repair cost upfront, you may still consider taking out an auto repair loan to reduce financial stress. Here’s what to keep in mind as you make a decision:

• The current worth of your car
• The cost to purchase a new car
• The overall costs associated with the required repairs

Compare the overall cost of repairs with the cost to purchase a new or preowned vehicle in Chapin. If the amount is similar, there may be more benefits to replacing your car. Be sure to factor in any savings you can access with service and parts specials.

Car Repair Financing with Bad Credit

If your credit score is lower than you'd like it to be, getting approved for financing can be difficult. That said, getting improved for a relatively small auto repair loan will be much easier than getting approved for an auto loan with Ford Credit. Our finance and service experts are happy to sit down with you to go over your financing options!

Schedule Certified Ford Service in Lexington, SC

Questions about leasing or financing your next Ford vehicle in West Columbia? The team at Jim Hudson Ford is happy to assist! Stop by our dealership at 1201 West Main Street, Lexington, SC 29072 -- just a short drive from Sumter -- or give us a call today at 803-359-4114.