What to do if your car breaks down and you have no money?

You should stop paying for car repairs when the cost of fixing your vehicle is no longer practical compared to its value, reliability, or future repair needs. A common guideline is to consider replacing the car if a single repair costs more than half of its current market value or if ongoing issues suggest frequent future expenses. At that point, investing in a newer, more dependable vehicle may be a smarter financial choice than continuing to put money into repairs.