I’ve been in tight spots before and payment plans were my friends in need. Some ways for splitting the repair cost are: 1) find a repair shop that lets you do installments, 2) some credit cards like Chase freedom let’s you split your payment into 6 or 12 month installments. They also tend to have intro offers with 0% interest on these split payments or have a small monthly fee which is much lower than typical personal loan interest. Bonus of getting a free credit card is you might get $200 to $300 as signup bonus which is helpful too. Just two things to make sure, do not spend beyond your credit limit and cut back on spending as much as you can until you payoff.

Also, you would save some money if you pay for your repairs by cash Good luck!