I own my vehicle free and clear; can I refinance the vehicle and take the cash? I need 3k for car repairs is?

No you cannot. Your car would be the collateral, and since you own NO money on it.. you cannot refinance it! But you can take out a personal loan. There is no possible way of refinancing your car! And you will be getting a better deal by getting a personal loan.. or take out a credit card with a limit of 3,000 bucks.. but you'll be paying HIGH interest!

Even if you don't have NOT SO PERFECT credit.. you can still apply for something. Go to the bank and talk to a loan afficer and see what they can do for you!

You can put the car up as collateral and get a loan for the value of the vehicle. There are bad credit secured loans (your car), which are at a higher percentage rate. You may not get much if the car is in bad condition, but they will evaluate your vehicle.

Normally, you can only refinance a car if it is no older then a couple of years old and I believe most lenders say that it has to be worth at least $8000. I am looking into refinancing my new car and that is what I have found out so far.

You can do a search for info on car refinancing or something like that. There are web sites out there that have info on this.

go to your local bank and ask to have a loan secured with your vehicle. They should be able to give you a decent portion of the value of your car. If you don't make the payments they get to take your car. So make the payments.

Some banks will do that, but if you're going to do that, you might as well just get a new car. Since the money is going towards fixing that one anyway.

You may be able to use your car as collateral...