Can you make payments on an engine replacement?
Asked by: Marcella Willms | Last update: November 21, 2025Score: 4.1/5 (64 votes)
Can you make monthly payments on an engine?
MONTHLY PAYMENTS FOR LS ENGINES FROM TRI STAR
Affirm is an easy, buy-now-pay-later service that allows you to finance up to 36 months on our American-made powertrain products such as engines and transmissions.
How to pay for engine replacement?
Personal Loans: Unsecured personal loans can be used to pay for the cost of repairing blown engines and other financial issues. Qualifying for a personal loan can be difficult if you do not have a strong credit history. Car owners with subprime scores may need to consider pursuing other financing options.
What happens if my engine is blown but I still owe money?
If your car engine is ``blown'' as you put it, the bank will sell it as scrap to a junk yard, and perhaps might only get a few hundred dollars for it if you're lucky. The bank will sue you, which will add filing fees, service of process fees, etc., onto the amount you will ultimately owe the bank.
Can you make payments to a dealership for repairs?
Yes, many auto shops offer payment plans and these can be a good option for people who don't have other means to pay.
Should We Replace Our Car's Engine?
What happens if you can't afford to pay your mechanic?
When this happens, mechanics might retain your vehicle until you settle the outstanding bill. If your bill remains unpaid, they could also place a mechanic's lien on your car, potentially jeopardizing your vehicle ownership. You can avoid these situations and maintain control of your vehicle.
Do mechanics ever offer payment plans?
Negotiate with the mechanic.
Some repair shops also accept credit cards and might be able to set you up on an affordable monthly payment plan instead of expecting a lump sum payment. Do your best to negotiate with the mechanic to create a win-win situation for both parties.
Can I trade in a financed car with a bad engine?
Your dealership will need to do an evaluation of your car to offer you an accurate trade-in value, but the general rule of thumb is almost any kind of car dealership will trade-in any kind of vehicle as long as it is driveable. If they can't fix it and sell it on their lot, chances are they know another lot that will.
Does a blown engine mean the car is totaled?
Engine or Transmission Damage
The engine and transmission are some of the costliest components to replace on a vehicle, which can result in a totaled designation.
What can I do if my car dies and I still owe money on it?
If you still have a car loan, and your car's value is higher than your loan balance, you can use the insurance payout to pay off your loan and have some money left to buy a new car. If you owe more on your loan than your car's value, you will have to pay the difference yourself.
How long will a car last after engine replacement?
So what can you expect when you're replacing it with a rebuilt engine? Though a rebuilt engine may not always have the same lifespan as the original, it can last for upwards of 100,000 miles. This can double the overall lifespan of your vehicle, and with regular maintenance, you can help it last even longer.
How much is engine replacement fee?
The replacement cost is going to vary greatly based on the vehicle, the year, and the type of engine you choose. It could be from $2000 to more than $10,000, and pricing it out based on your needs is key.
Will insurance cover engine replacement?
If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control. A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.
How to get money for a new engine?
There are several ways to finance an engine. Some car repair shops may offer their own financing options, or you can consider a title loan, credit card, personal loan, or borrowing money from family or friends.
Do dealerships let you make payments?
If you don't qualify for outside financing, dealerships may be able to set you up with a loan. Just understand the costs, pick an affordable car and calculate your monthly payment to ensure you won't be strapped for cash.
Can you finance a mechanic bill?
Mechanic financing
It could be a branded store credit card or a car repair payment plan in the form of a personal loan from its lending partner. You may be offered interest-free financing for a period of months, which is great if you pay off the loan or credit card before the introductory period expires.
Will a dealership take a car with a bad engine?
You can, but it's more complicated than it sounds. Dealerships don't specialize in vehicles with problems, so chances are they aren't going to make you an offer that really reflects what your car is worth. When you're selling a car that needs an engine, you're asking a dealer to step out of their area of expertise.
Is a blown engine worth fixing?
Blown Engines
Your engine is a network of connected parts and systems. When an engine faces severe damage, it can quickly spread from one component to the next. Repairing your engine at this stage is often not an option. Instead, you will need to explore your replacement options—for your engine or your vehicle.
What happens when your car is totaled but still drivable?
Rebuilt/Reconstructed Title: Once a salvage vehicle has been repaired and inspected, the California Department of Motor Vehicles (DMV) will issue a "rebuilt" or "reconstructed" title for the vehicle. Once you obtain this, you can legally drive the vehicle.
Can you finance an engine replacement?
At Patriot Engines, we make financing your engine simple and hassle-free. Our team is dedicated to finding a payment plan that works for you, whether you're purchasing a remanufactured or used engine or remanufactured transmission. To explore your options and get back on the road quickly, call us at (888) 823-7800.
What happens if my car blew up and I still owe money?
If your car is totaled by a falling tree branch, fire, or other non-collision accident, your comprehensive coverage will likely cover it. But your insurer doesn't care about the balance of your loan. Your total-loss insurance payout will be for your car's ACV only.
What to do if you bought a car with a bad engine?
You'll have options if the vehicle did come with a warranty. Try going back to the used car lot to see if they'll fix the problem. If you bought the vehicle as is outlined above, you don't have much recourse other than to look at your state's lemon laws if applicable or contact your state's attorney general office.
Can I use Affirm to pay for car repairs?
Affirm makes it simple to apply for auto repair financing through their app: Sign up using your phone.
Do you pay before or after a repair?
You don't need to pay for a car service or repair before any work has been completed. This is important. You should be wary of a garage that expects you to pay money upfront. You also only need to pay for work that has been completed.
Can I negotiate with mechanics?
In some cases, you may be able to negotiate with your mechanic or service center. Inquire about any available discounts to see if you can save money on the total repair costs. This may not always be possible, but it's worth a shot. You may even be able to apply for a payment plan instead of facing a lump sum payment.