Studies show that 1 in 3 consumers aren’t financially prepared to pay for an unexpected car repair bill. While we often hear that we should create an emergency fund for such expenses, that isn’t always possible for everyone. If you’re facing a steep repair bill and don’t have the money to pay for it immediately, you have several options: Use a credit card: With the cards listed above, you can obtain interest-free financing for a set period, while also earning cash back or travel rewards, and, potentially, earn a cash signup bonus. Negotiate with your mechanic: Many mechanics offer discounts or deals on certain services or parts. You won’t know until you ask. Sometimes, a little negotiation can lower your bill and make it more manageable. Talk to several mechanics: Just about every city or town has multiple mechanics to choose from. Don’t feel obligated to work with the first person you talk to. Shop around and see if the competition between auto repair businesses can net you a better price. Talk to someone you know who is handy with a car: If you simply can’t pay the parts and labor costs at a dealer or independent mechanic, see if you can find someone experienced in car mechanics who can do the repairs during his or her free time. You may get your work done for a substantially lower cost. Borrow money or sell personal items: If the above options don’t work for you, a friend or family member may be your best option. See if someone you know can offer you a short-term loan to cover your repair costs. If that doesn’t work, see if you can sell any items of value that can provide enough funding to cover the bill.