As the prices of vehicles rise, so do the costs of auto repairs. An auto maintenance budget can help. With emergencies though, your wallet may not always be prepared.

The good news is that an auto repair line of credit can help you bridge those budget gaps. While it’s true that most auto maintenance retailers accept major credit cards, many offer cards specifically for auto repairs. Here's how a dedicated line of credit for tires and service can be useful to you.

Offers easy tire financing

All drivers will eventually need tires. Changes in weather, different road conditions and normal wear and tear will make sure of it. You may be fully aware of tire maintenance needs but still wonder how to pay for it all.

Tire and service credit cards are designed to be a solution for costly vehicle upkeep. One of their huge benefits is promotional financing. A financing option makes it possible to affordably finance qualifying auto repair services. That, in addition to seasonal tire promotions and other exclusive cardholder offers, definitely makes this type of credit card worthy of your wallet.

Helps you maintain manageable monthly payments for auto repairs

Your car is not the only financial responsibility in your life. Devoting every free dollar to maintenance and repairs is not an option. You can avoid coming up with a lump sum when you have an auto repair line of credit. Using credit for auto maintenance gives you the freedom to make bite-sized payments on a large bill.

Having a dedicated line of automotive credit also helps you simplify financial tracking. Instead of using your generic credit cards, you can use one card for all of your auto repairs. That way you have all of your vehicle expenses on one billing statement. When it comes time to review expenses or write off maintenance costs, you will know exactly where to look.

Helps you build credit

If having less than perfect credit is a concern, you may find a solution in a tire and services credit card— it’s one of the easiest types of credit cards to get approved for. They also come with generous credit limits suitable for auto maintenance expenses.

You can seize this approval opportunity to build your credit, and making your monthly payments on time will be a big step forward on improving it. Whether an auto repair purchase is part of a promotional deal or not, the lender will report payment activity to all major credit bureaus.

Stay on the road with a dedicated line of credit for auto repairs

Your car is of no use to you if it stays in a garage. Finding an affordable payment solution for auto maintenance will keep your vehicle in the best shape. Don't get stuck on the side of the road. Get an auto repair line of credit.

Credit First National Association works with repair shops to offer flexible and affordable credit solutions.