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How To Pay For Transmission Repair

Car troubles can end up costing you thousands in unexpected repairs, and transmission repairs, rebuilds, or replacements can be incredibly expensive. If you need money for transmission repairs, we have compiled 5 different ways that you can pay for it.

There are more ways you can pay for transmission repair if you find yourself needing to repair your transmission; these are just a few. To begin, always make sure you get a quote from your auto shop, so you know exactly what you’re going to be paying for the services. The rest of this article will discuss how you can pay for transmission repair.

5 Ways To Pay For Transmission Repair

1. Increase Your Income

One way that you can pay for transmission repair is by trying to earn more money. Is it time to ask for a raise at work? Can you put in more hours with overtime to put aside a little extra cash for transmission repairs? You can also look into side hustle opportunities like starting an online business, creating a blog, or applying your skills in a part-time setting.

All of these opportunities can help you set aside the money you need to cover transmission repairs.

2. Cut Back On Spending

Cutting back on spending is important, especially if you’ve just learned that you need transmission repairs. For the time being, cut out unnecessary spending to set aside money for repairs. If you can handle the monthly payment on your auto bill by cutting back, it’s definitely worth doing.

There are also ways you can save on the cost of transmission repairs by shopping around. Get quotes from several auto shops to see if you can get a good balance of quality and fair pricing for your repairs. If you or a friend is car savvy, then you can save big on getting the parts and doing the repairs yourself.

3. Rely On Your Emergency Savings

As much as it can be a burden to spend the money you’ve put aside for safekeeping, it's a good use of your savings to pay for transmission repair.

After all, without a functional transmission, your car is likely to suffer a catastrophic breakdown, resulting in an even more expensive replacement. It’s better to repair your car using your savings than wait for it to break down on you and be stuck with a more expensive bill.

For many people, their car is the only viable option for getting to and from work, so it’s important to do repairs when necessary to ensure you’re still able to make your daily commute.

4. Negotiate A Payment Plan

Believe it or not, auto shops are open to alternative offers when it comes to parts, labor, and payment plans. If you can only afford to pay so much for the repairs or have a preferred monthly payment that you can handle, let the auto shop know. If they can work with you, they will.

Auto shops will often sell you the parts for a reduced rate if you’re able to do the labor of the repairs yourself, so if you have the skills and experience or know someone who does, it might be worth asking your auto shop what the cost for the necessary parts would be.

Conversely, you can also save money on labor at the auto shop if you supply them with the parts and only pay for the labor. Doing either can significantly reduce the cost of transmission repairs.

5. Get A Car Title Loan

A car title loan is a type of loan that uses the title of your car as collateral, offering loans of up to $15,000.


Prices to pay for transmission repair run from $4000-$7000, so a title loan might be the right option for you if you don’t have that money set aside or can’t work out a suitable payment plan with the auto shop. As with any loan, just make sure that you plan ahead for how you’re going to meet the payments on it.

How Southwest Title Loans Can Help

Southwest Title Loans offers title loans of up to $15,000. All you’ll need to apply for a loan is your driver’s license or another valid form of I.D., the title to your vehicle with no liens, and the vehicle in question for evaluation.

A representative will assess the value of your car and tell you if you qualify. Southwest Title Loans may look at your credit history to determine eligibility If you qualify, congratulations! You’ll be given the money the same day or the following business day.

Get Started Today

Hopefully, this article has given you a positive outlook that paying for your transmission repair is possible. Not only that but there are several options for you. Whether you need money to buy parts for an at-home transmission repair or you need to foot the bill for a transmission replacement, Southwest Title Loans can help you get the money you need fast for expensive car repairs.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.

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