Spread the cost, interest free
From little bumps to engine trouble, split the cost of car repairs with easy monthly installments without the upfront cost.
PayLater is an unregulated credit agreement provided by Bumper International Limited. We do not charge a set-up fee or interest. Late payment fees will apply. Borrowing more than you can afford, paying late or missing payments may impact your credit score and your ability to borrow in the future. Subject to status, 18+, UK residents only. T&Cs apply.
online and without paperwork.
interest free.
£5,000 across 4,000 service partners nationwide.
Your choice of local trusted Bumper service partners
We only work with the most reputable dealers and garages in your local area, so you know your vehicle is in the right hands, for worry free repairs and servicing.
Franchise dealerships
Offering a high level of service as specialists in their own brands.
Independent garages
Often providing a faster turnaround, along with access to 3rd party car parts.
Body shops
Tackling accident damage as well as repairing dents and scrapes.
Specialist repairers
From servicing electric cars and motorcycles, to rebuilding engines.
4,000+ service partners in the UK
offer Bumper to repair your vehicle without the upfront cost.
96% of UK coverage
Over 500,000 UK drivers helped so far
Why Bumper?
It’s quick and easy with Bumper to split the cost of your car repairs.
No interest. No worries.
1.
Enter your vehicle registration
We’ll use this to match your vehicle to one of our 4,000 service partners, including OEM dealerships, high street service centres and independent garages.
2.
Get pre-approved ready for your repair
Apply quickly online for your credit limit. No paperwork and no impact on your credit score. Take your car in with peace of mind, knowing your bill’s covered.
3.
Use Bumper to spread the cost
Choose to pay your bill with Bumper. You configure the monthly payments that suit you and provide card details for your repayments. It’s that simple.
Our Reviews
We’ve helped more than 500,000 customers so far, here’s what the latest had to say.
Calculate your repayments:
The calculator is illustrative, so play around to get an idea of how much each repayment could be.
We don’t need to know how much you will need right now. When you have your final bill, you’ll be able to configure your exact repayment schedule there and then.
How much?
£60.00
£5,000.00
A £0.00 initial payment is required today when choosing 4 instalments
PayLater in 4 interest-free instalments
Payment 1
£0.00
Today, Deposit
+
Payment 2
£0.00
in 30 days
+
Payment 3
£0.00
in 60 days
+
Payment 4
£0.00
in 90 days
1
£0.00
Today, Deposit
2
£0.00
in 30 days
3
£0.00
in 60 days
4
£0.00
in 90 days
Total repayable
£2,500.00
Interest & Fees
£0.00
What happens if I can't pay on time?
We understand sometimes things can go wrong and we are here to help you. If we are unable to collect a payment on the scheduled date, we will reattempt your payment within 7 days. We will also attempt to contact you to discuss your situation. We will only charge a late payment fee if you have not paid us within 7 days of the repayment date and we cannot agree a reasonable repayment plan with you. The late payment fee will be £20, unless your loan is under £200 in which case the fee will be 10% of your loan amount. We will also charge a reasonable fee if we need to instruct a third-party debt collection agency to assist us in collecting your loan. This step will only be taken if your loan is three payments in arrears and we cannot agree a reasonable repayment plan with you. If you think you are experiencing financial difficulties and are worried you are at risk of missing any of your payments, please contact us, and we'll do our best to help you.
Can I repay early, without penalty?
Yes you can. Contact Bumper by one of the following methods to discuss your repayment
Do you perform a credit check?
Yes, we perform a soft credit check when you apply for a Credit Limit. This will not affect your credit score. We’re obligated to make regular reports about the status of agreed payment plans. Therefore, these plans will show in your report. This can help to build your credit score as long as you are up to date with your payments.
You’ll never pay more for your servicing or repair bill when spreading the cost. And, we never inform the service partner about your credit limit.