Car repair loans online$100 – $5,000All credit types considered
Start your request
$100 – $5,000 · funds as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free, no obligation
- Secured by SSL
- No cost to check
- Soft credit inquiry
- Made for your phone
The car broke down. The bills didn't.
GearboxOra is not a lender. One request for $100 – $5,000 goes to a network of lenders. Checking your options won't affect your credit score.
This month, maybe?
Stuck in low gear?
One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.
Review my optionsHow it moves
How GearboxOra works
No branch visit. No paperwork pile. Just your phone.
- 01
Request
Pick an amount. Answer a few questions. A few minutes, start to finish.
- 02
Match
Lenders in our network review your request on their own terms.
- 03
Decide
Read any offer's rate, fees and dates. Accept it, or don't.
Speed, honestly
How fast funding really works
- Your requestA few minutes on your phone.
- A lender's answerOften within minutes. Sometimes longer.
- The depositAs soon as the next business day, if approved.
- WeekendsBanks pause deposits. Plan for the next business day.
Car repair loans online
Shift back up.
Lenders in our network show the full cost before you agree.
Before you start
Who can send a request
You'll usually need
- To be 18 or older and living in the US
- Regular income from work or benefits
- An active checking account in your name
- A phone number and email you use
Good to know
- Checking your options costs nothing
- Bad credit doesn't stop a request
- APRs vary by lender and can be high, sometimes over 200%
- Availability and terms vary by state
Questions
Car repair loans online, explained
Will checking offers hurt my credit?
No. Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.
How quickly could I get the money?
That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.
Who can send a request?
You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.
What if my credit isn't perfect?
Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.
Is GearboxOra the lender?
No. GearboxOra is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.
What amount can I ask for?
Anything from $100 to $5,000. A lender may offer a different amount after its own review.
Get back in gear.
One request. $100 – $5,000. Lenders in our network take it from there.
Check my options