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Auto Repair Financing Program

The cost of auto repairs often prevents car owners from doing necessary maintenance.

In the event of an unexpected vehicle expense, you can manage it with our payment plan.

Our solution is to allow consumers to pay for repairs using the value of their vehicle.



Low Interest

Extended Term

Pay It Off Anytime




Everyday Repairs

Major Repairs



Pay Less Interest

Pay It Off Quicker



Free To Qualify

No Credit Check

Ensures Confidentiality

Loans Based On The Vehicle






Payment Plan

What does it include?

How does it work?

For more details… watch the video!

Protect yourself against unexpected car repairs today

You’ve worked hard to pay for your car, so don’t skip required maintenance. Whether you need a major repair or everyday expensive vehicle maintenance, PEARL repair finance program is here when you need assistance.

Consider an auto repair financing program to handle expenses such as oil changes, brake replacements, and the replacement of worn or damaged components like batteries and tires.

PEARL, the auto repair financing program for everyone

The automotive repair expertise of your auto repair shop, combined with our worry-free and no-credit-check car repair loans, allows you to get back behind the wheel quickly and safely.

Our auto repair financing is accessible and affordable for all, as it doesn’t require a credit check and won’t impact your credit score.

Our process is fast, simple, and entirely online, removing the need for paper estimates or contracts.

Use PEARL for an auto repair loan to manage unexpected automotive expenses like transmission repairs, engine replacements, bodywork, and more.

Advantages of PEARL’s Financing Program

No credit check

Our members enjoy fast and hassle-free approvals based on their vehicle’s assessment by PEARL, not their credit history.

So, this eliminates the wait for lengthy credit decisions; typical of our competitors.

Competitive Edge

Our auto repair financing gets you back on the road quickly and safely without the need for vehicle inspections or photos.

Paper-Free Process

Forget about cumbersome paperwork. With PEARL Corp, our auto repair financing program is available online and can be completed in real time at your repair location or remotely before visiting your auto repair shop.

Protecting your finances

Our loan solution removes financial barriers, allowing you to fully pay for your repairs at any time.

We provide personalized car repairs loans tailored to each individual situation.

24/7 Availability

Our online auto repair financing solution is available around the clock to accept applications and provide approvals. We streamline the financing process from application to approval in just minutes.

Satisfied customers

Many car owners forgo necessary auto repairs due to cost. Our repair now, pay later plan offers our members affordable payment options, making the auto repair process less stressful.

Why Canadians choose PEARL Corp’s auto repair loans

Money today

When you’re in a bind, you need money now. Your loan could be available the same day you apply.

Worry-free application

Our loan process is simple and quick. Complete your online loan application and receive a swift response.

Affordable payments

We tailor your loan and create a payment schedule that fits your needs, budget, and lifestyle.

Personalized service

Despite a 100% online loan application, you’ll receive individualized, high-quality service from a dedicated loan specialist.

How does an auto repair loan work?

Taking out a loan for car repairs means you won’t have to make a large lump-sum payment to your mechanic. It’s an excellent option for those without the immediate funds for repairs that can sometimes run into the thousands of dollars.

With an auto repair loan, you’ll enjoy a more affordable interest rate compared to a credit card, along with an easy-to-follow and reasonable payment plan.

Once your financing is approved, PEARL will fully pay your repair shop. You then make affordable monthly payments to PEARL Corp until the repair costs are fully covered.

PEARL Corp acts as a supportive intermediary, enabling you to get the necessary repairs for your vehicle. We understand that for many, a car is not just a means of transportation but also a livelihood. That’s why we offer personalized and tailored auto repair loan solutions to give you peace of mind and freedom.

What does our auto repair financing program cover?

An auto repair loan is exactly what it sounds like: a loan designed to help you cope with your costly automotive repairs. PEARL is aware that sometimes automotive repairs are expensive, and not everyone has the necessary funds on hand.

However, our auto repair financing program can cover more than just repairs. Indeed, you can also use a PEARL auto repair loan to finance:

General maintenance

  • Oil changes, coolant and other fluid changes
  • New batteries
  • Inspection fees
  • Seasonal tire changes
  • Seasonal rustproofing
  • Muffler repair and replacement
  • Timing belt/chain replacement
  • Air conditioning/heating maintenance

Cosmetic improvements


  • New paint jobs
  • New seats
  • Removal of rust, dents, and scratches
  • Custom additions (like wheels and tires)

Overall safety enhancements

  • New tires (all-season, winter, summer, etc.)
  • Head, tail, tag, and interior lighting repairs
  • Windshield or window replacement
  • New brake pads and discs, or other brake-related procedures
  • New airbags, seat belts, and other safety devices
  • New suspension, transmission

Accident and damage repairs

  • Cracked/broken windshield or other windows
  • Fender and bumper replacements
  • Front and side airbag replacements
  • General bodywork


Frequently Asked Questions

How much can I borrow?

Based on the value of your vehicle and the work performed, you could be eligible for a sum of up to $10,000. You are not required to use the entire loan amount you qualify for, but the minimum loan amount is $500.

What can I use the loan for?

Car repair loans with PEARL can be used for vehicle maintenance, bodywork, accessories, rims, and tires. Parts installed on your vehicle, as well as labor and applicable taxes, are eligible.

How long does it take to get approval?

There’s no approval process! Everyone gets a maximum loan amount based on their vehicle’s value. It only takes a few SECONDS by signing up for our member circle. 

What if my credit is poor?

Don’t worry, a credit check is not required. All maximum loans are based on the value of your vehicle, and everyone is approved.

Can I pay off my loan early or make lump sum payments?

Absolutely! We encourage you to pay off your loan as quickly as possible. Using the PEARL borrower portal to access your loan allows you to make lump sum payments or even move a payment whenever you wish.