You’ve just got a car repair quote — and it’s more than you can afford right now. It’s an unexpected expense, and you need to figure out quickly what your options are.

With the cost of everyday life already stretched, an urgent repair bill can put real pressure on your finances. One option that many drivers turn to is a car repair loan.

Car repair loans can help you spread the cost of an unexpected bill into manageable monthly payments so you can get back on the road without paying everything upfront.

On this page, you’ll quickly find out how they work and what to consider before choosing one.

There are several ways to pay for unexpected car repairs in the UK, from spreading the cost with finance to using savings, credit cards, or garage payment plans, each with different costs and approval requirements.

Below, you’ll find the main car repair loan options and their pros and cons.

A personal loan is money borrowed from a bank, building society, or online lender that you repay in fixed monthly instalments over an agreed term. You usually receive the full amount upfront and can use it for car repairs or other expenses.

 People needing to cover a large repair bill and who prefer structured, longer-term repayments.

A credit card lets you pay for car repairs upfront and repay the balance over time. 

Some cards offer 0% interest promotional periods, but standard rates apply once these end. Bumper recommends checking the fine print for your card before making any payments.

 Smaller repair bills or short-term borrowing when you can repay quickly.

Some garages offer their own finance or “pay later” options, allowing you to split the cost of repairs directly with the workshop. 

However, these plans aren’t always on offer and may be subject to the garage’s own terms — which may not be very favourable.

Drivers who want an in-garage solution without arranging external finance.

Specialist providers focus specifically on car repair finance (such as Bumper), allowing you to spread the cost of a repair bill into monthly payments. 

In many cases, the garage is paid directly and the customer repays the provider over time.

 Drivers facing unexpected repair costs who want a fast way to spread payments.

A car repair loan is a specific form of lending that helps pay for car maintenance or repair bills. These loans split the costs into multiple payments over a series of months, allowing you to minimise the impacts of a big surprise cost.

Usually, the amount is paid directly to the garage doing the work, and the car owner repays the loan company in monthly payments until it is complete.

Can you get a car repair loan with a bad credit score?

If you have a low credit score, it may still be possible to get help covering the cost of car repairs, but approval is never guaranteed. 

Lenders will look at your overall financial situation, including your income, existing credit commitments, and ability to make repayments, rather than just your credit score alone.

Who gives car loans for poor credit scores?

Car repair finance for bad credit is typically available through specialist lenders or providers that offer flexible eligibility checks, including some garage finance options and dedicated repair finance services. In some cases, you may also consider credit cards with lower limits or personal loans aimed at “near-prime” borrowers.

Advantages of car repair loans for low credit scores

The main advantage is that these loans may still be accessible even if you have a poor credit history, as some lenders focus more on affordability and current financial circumstances than your credit score alone. 

They can also provide fast access to funds, helping you cover urgent repair costs and get back on the road without delay, while spreading payments into manageable monthly installments.

Drawbacks of car repair loans for low credit scores

However, there are drawbacks to consider. Interest rates may be higher, credit limits can be lower, and not all providers will accept applicants with poor credit histories. 

It’s also important to ensure repayments are affordable, as missed payments could further impact your credit file.

For a more detailed breakdown of options, see our guide to 

 service is the speed of approval. Simply, apply online and choose from thousands of reliable repairers. Applications can be completed in just a few seconds.

Banks and credit unions typically charge interest on money lent, but car repair loan companies like 

Bumper makes money by charging the garage a small service charge instead. But don’t worry. This cost will never be passed on to you through inflated rates. We’re here to make the experience easier, not more stressful.

What fees are there for securing a car repair loan?

As the borrower, none! There shouldn’t be any fees to the customer to secure a car repair loan.

Here at Bumper, we charge the garage a small service charge, and that’s it. Assuming you make all the repayments on time as agreed prior to arranging credit, there are no fees to be paid with our car repair finance.

At Bumper, it couldn't be easier. Our website will guide you through the steps one by one. To get started, visit our 

The process for car repair finance is simple:

Enter your reg & postcode to search for a trusted local service partner.

Apply for up to £5,000. We don't need to know how much your bill will be.

Get an instant decison and a unique code to give to the garage.

Book an appointment with your selected service partner. When it's time to pay, give them your code and they'll set up the rest.

What information do I need to apply for a car repair loan?

If you need a loan to get your car fixed, you’ll need a few personal details.

On our website, you will be asked to provide information about your car and location. From there, we’ll present a suitable selection of local garages.

We also do a ‘soft credit check’ in order to guarantee eligibility for a car repair loan, and this will require information such as your full name, address, date of birth, and any current credit lines you have.

Do I have to provide security for a car repair loan?

No, unlike many bank loans, you don’t need to provide collateral for a car repair loan.

This means you don’t need to own your own home or car outright to get approved for a car repair loan, making the process much easier.

An option lots of people use for large purchases is a credit card. This allows you to cover the cost of large bills without needing to pay upfront, but they do have their downsides.

credit card companies offer zero interest rates

 on a fixed term, say 18 months, these are usually offers rather than permanent schemes, meaning it's very important to check and double-check what interest you'll have to pay.

After the first month, many credit card lenders charge in the region of 20% APR, with this compounding if payments are missed. If your credit score isn't perfect, this rate can skyrocket to 40 or 60%.

Bumper allows guaranteed 0%-interest repayments over a timescale that is established before the money is lent, meaning you won't get any surprises when your statement arrives next month.

As well as Bumper or using a credit card, there are a few other ways to spread the cost of car repairs, each with its own downsides and benefits.

Paypal has offered a buy now pay later option for a while, for some customers can give 4 months zero interest loans.

Whilst its platform is widely used online and in e-commerce purchases, in our experience, there aren’t many garages that will accept a PayPal scheme.

Another downside is that PayPal’s standard credit limit is £1200, which is often not enough for more serious repairs.

Klarna is a payment tool that is popular in retail stores and is available in a few garages, but this is limited by the very same points mentioned above, including a restrictive payment plan and limited availability.

A few garage chains in the UK offer a buy now, pay later service within their group, which allows customers to spread the cost.

Whilst these can be a great help, we’ve found not all branches offer the service, and as such, you need to be sure your local garage offers the service and can accommodate your vehicle in your preferred time period.

They also tend to be less flexible, requiring a fixed rate for deposits, repayment times, and amounts. This can be difficult to manage if your car repair bill is significant.

Will a car repair loan impact my credit score?

When applying for a car repair loan, we will do a soft credit check, which will not affect your credit score. Once your loan is approved, paying back the loan in time with the schedule agreed could actually improve your credit score.

how car finance affects your credit score

Can you get a repair loan with bad credit?

All loan providers will check your credit score to determine if you qualify for particular products. Bumper

s car repair loans can be a good option for those with low credit scores. However, approval will depend on the individual's circumstances.

Isobel Coughlan

Content Writer

Car Repair Loans: Loans, Finance & Plans Explained (2026)