If you’re about to take out car finance it’s worth knowing that it can affect your 

. Credit ratings play a big part in our financial lives. They help us to get good deals on mortgages and loans, so does car finance affect credit scores for good or bad? 

Like any borrowing, if you pay back on time, car finance will help your credit score. If you miss payments or pay late, it will negatively affect your credit score. To find out how we explain how the credit scores work in this article. 

A credit score, sometimes called a credit rating, is a numerical figure between 0 and 999. It helps finance companies decide whether or not to lend to you. A high number indicates you’re a reliable payer and a lower one that you may have missed some repayments. 

Missed payments are reported to credit reference agencies; Experian, Equifax, and TransUnion, and your credit score falls as a result. The agencies all use different scoring methods, though. This makes it quite confusing as your rating might be different with all three.

So how exactly does car finance impact credit score?

There are two different types of credit checks, hard and soft. The former is a more in-depth check that looks at everything on your file, all borrowing, bank accounts and other financial markers noted.

Every hard credit check performed is also noted on your credit report, meaning that applying for too many lines of credit, e.g. car finance, credit cards etc, in a short period of time will negatively affect your score.

Soft credit checks only take a glance around your credit history and are often used to give an agreement in principle, something used to give a ‘conditional’ offer of lending, often done at the very start of the application process. 

How car finance can affect your credit score 

Car finance can positively and negatively influence your credit score, typically at two stages – application and repayment.

If you apply too many times in a short period, lenders carry out ‘hard’ checks on your credit file. This could damage your credit score unless they’re treated as one inquiry. It’s a good idea to ask whether a ‘soft search’ can be carried out at the application stage - this is a limited check that doesn’t affect your 

. It can give you an idea of whether the application will be accepted.

If your application is successful, your credit score may still fall a little but this will only be temporary. As time goes on, and you make your repayments in full, you can considerably build up your credit score.

If you miss any repayments, pay late, or pay less than you’re supposed to, it harms your credit score significantly. This is because you haven’t kept to the terms and conditions of the finance contract.

Car finance boosts your credit score if you make all your repayments on time and in full. But this means it’s important to be 100% confident that you can ensure that the repayments are affordable for the whole finance term. Regular repayments show that you can manage your money and that you aren’t a credit risk to lenders.

Car finance companies and other lenders will always focus on the risk of not being paid. Your credit score gives them a strong insight into whether this might happen. Your previous payment history is the biggest indicator. 

A low credit rating can make it hard to obtain finance in the future. Even if you are offered loans with a poor credit score, you won’t get access to the best deals and it’ll cost you more in interest. 

Does applying for a car loan affect credit score?

Applying for a car loan doesn’t affect your credit score if the lender does a ‘soft-check’ on your credit file. This means they only look at certain pieces of information in your credit record and the search isn’t visible to other lenders. 

If you make numerous applications for car finance within a short period, though, it could negatively affect your rating. This is because too many applications suggest that you’re urgently in need of money. 

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Does Buying a Car on Finance Improve Your Credit Score?

Positive effects on credit when you buy a car

Buying a car positively impacts your credit when you meet all the instalments. It shows financial responsibility to repay a loan as set out in the contract. It can give you access to better loan and mortgage deals in the future. 

Adding a different type of borrowing to your credit file can also boost your credit score as lenders see you’re dealing with a range of different credit and finance agreements. For example, paying off your car loan alongside credit card or store card balances. 

Credit cards are known as ‘revolving credit’ but car finance is ‘instalment’ credit as you pay a fixed sum each month as part of an instalment plan. Buying a car using finance strengthens your credit rating by showing you can repay consistently over a long period of time.

How quickly will car finance improve your credit score?

Because your credit score is a value of your reliability over time, any new lines of credit will take a little while to positively affect your credit score. 

Some people find as little as 6 months of on time payments is enough to improve their 

, but this will depend on your previous credit history.

How does buying a car negatively affect credit?

Missing a single payment can lower your credit rating, particularly if you don’t make the payment quickly. The lender is likely to report it to the credit reference agencies.

If you fall far behind with car finance repayments the detrimental effect on your credit rating will be severe and long-lasting.

Some lenders will declare the loan to be ‘in default’ after just 30 days. Others allow around 90 days before they call in debt collectors to recover the amount, or to repossess the car.

Defaults remain on your credit file for up to seven years and can limit the attractive finance deals that you’re offered in the future. If your credit rating is very low you may not be able to borrow at all until it improves.

Does Car Loan Refinancing Affect Your Credit?

Does car finance affect getting a mortgage?

If you pay your bills on time it will improve your credit and thus your chance of getting a mortgage. If you default on your finance payments, the bank will be less likely to offer preferable mortgage rates. 

Because your proposed mortgage lender will use your credit score when considering your mortgage application, car finance affects this in a similar way to any borrowing.

By limiting the number of car finance applications you make and checking that only ‘soft’ searches will be carried out, you can protect your 

 and there should be no negative effect. 

If your application is successful, car finance will have a positive effect as long as you make all your repayments on time.

Demonstrating that you can manage your money responsibly has the biggest positive influence on your credit rating and can lead to better deals on loans in the future. 

Bumper offers interest-free loans on car repairs to keep your car on the road and help you manage your money. Choose from 1000s of garages and dealerships nationwide.

 has been writing about cars for over seven years and writing for Bumper for over two, blending his passion for automobiles with a talent for storytelling.

Joseph has written about engineering and cars for Autozilla, Komaspec, and several engineering manufacturers. When he's not writing or tinkering with one of his five cars, Joseph dreams of owning an Alfa Romeo 33 Stradale.

Does Car Finance Help Your Credit Score?

As longer, warmer days are approaching, more people will be looking to hit the road and drive onto the continent for a holiday. Road tripping gives people a unique look at different places and travelling by car means you can take in so many different locations on your journey. 

However, there can be some important things to consider and look out for to make everything run that little bit smoother! From preparing your car to improving your route and getting clued up on rules and costs, 

Below is a list of the top 10 things to consider before setting off on your European driving adventure! 

1. Check your route in advance so you’re prepared for tolls. 

Tolls are a major part of driving in France and other European countries so can add a large chunk of money to your total holiday cost. The Michelin Route Planner can be a great tool for this as you can input details of your specific car and it will generate not only the route and tolls cost but also a fuel estimate! 

Sometimes it’s easy to take for granted the condition our cars are in. When you’re heading out on a cross-country road trip you may be doing more miles in a week than you would usually do in a month. Therefore it’s even more important to check things, such as the condition of your tyres that will deteriorate faster than usual if you use them more. 

3. Make sure you have all the right documents 

When you’re taking your car abroad it’s always worth making sure you have a printed copy of your car and travel insurance documents, breakdown cover and your driving licence. If you’re stopped by the police or have an accident this will make your life much easier. We mentioned tolls above, but you may also need to pay for these in advance (or as you cross the border you can sometimes purchase these too), for example, in Switzerland you need to buy a Vignette to drive on their motorways. 

4. Familiarise yourself with driving laws 

Driving laws vary from country to country and it’s always worth researching what you’ll need to prepare before you leave. When you cross the Channel into France, it’s often easy to pick up a travel pack that includes stickers to alter your lights, breathalysers, roadside breakdown triangle and more to cover you for a lot of requirements. However, rules vary slightly over borders even within the EU. 

5. You might need an International Driving Permit 

If you have a plastic photo driving licence from the UK you’re permitted to drive in the EU, Norway, Iceland or Lichtenstein without getting an additional permit. However, if you’re still using a paper licence, or if your licence came from Jersey, Guernsey, Gibraltar or the Isle of Man you may also need one. 

6. Think about your route before you leave 

Sometimes it’s easy to hit go on the sat-nav and follow it blindly to your destination, but sometimes this can also put you in Paris during rush hour. With a little bit of research, you can usually find a route that will get you there on time and also let you stop to see some extra sights along the way. 

7. Let Google Maps do what it’s good at 

This might seem like a bit of a cop-out but when you’re travelling hundreds of miles in a day, you don’t want to waste precious time stuck in traffic. Some people may choose not to use Google Maps because of roaming charges while abroad, but if you do then make sure you download offline maps for the regions you're travelling to. This means that if you lose signal or turn your data off while travelling you should still be able to follow a route and won’t get lost - but you will lose traffic updates. 

If you know some of the places you want to stop, that can take the pressure off on your drive. For example, if you’re driving with young children and you know they’ll need to stop every couple of hours then finding services with toilets, good food and fuel all at the same time can be a massive help. Some gaps between fuel on European motorways can be large, particularly if you’re switching roads, and it’s best not to be caught out! 

 are also something that varies between countries, as strange as that might sound! It’s definitely worth getting familiar with what you might need to do if you end up stopped on the hard shoulder of a European motorway. Hopefully, you’ve made sure you have European breakdown cover and if you call they should be able to assist you, but that’s not always the case. 

10. Pack goodies to make the drive easier 

It’s always worthwhile to make sure you have snacks and drinks packed in case you can’t stop or don’t want to keep stopping. Then there’s another vital kit such as making sure you have your music - and can play it once you’re out of the UK! In some cases, this might mean going old school with CDs or checking you have your playlists saved for offline mode so you’re not downloading them around the continent. 

has been writing about cars for over seven years and writing for Bumper for over two, blending his passion for automobiles with a talent for storytelling.

10 top tips for driving in Europe 

Having your car repaired can be a frustrating experience, especially when the mechanic doesn’t actually fix the car! This can result in more time, 

If you have a problem with a car repair or 

, the best thing to do is negotiate the best solution with the garage. If your negotiations fail, you can take additional steps to resolve your issue. 

This article will explore what you can do if you paid for a car repair, but the car wasn’t fixed and what steps you can take to protect yourself and your vehicle. Let’s dive straight into it. 

I paid for a car repair but it’s not fixed 

So, you’ve paid for a repair, but it’s not fixed. Now what? Do you have to pay still?

You can expect a refund if you have paid for a repair service, but your car has still not been fixed. Or, the mechanic should fix the problem at no additional cost to you. 

If the mechanic refuses to do either, you may need further action. 

It’s important to remember the specific instructions before accusing a garage of charging for nothing. Diagnostic services cost money, time, and expertise, such as when a complex issue is present. 

What happens if the dealership can't fix your car in the UK?

You should consult your vehicle's warranty. If your car is still under warranty, the dealership may be obligated to fix the problem at no cost. 

You can also take your car to another dealership or a reputable independent mechanic for a second opinion. If the problem is confirmed, you may be able to negotiate a better solution with the first dealership. Note that you’ll have to pay a diagnostic fee, as mechanics don’t give second opinions for free. 

File a complaint with the manufacturer. If the problem is widespread and the dealership can't fix it, you may want to file a complaint with the manufacturer's customer service department. They may offer a solution or a goodwill repair. 

What to do when the mechanic doesn't fix the problem 

If you’ve realised the mechanic hasn’t fixed the initial problem, it can be tough to know where to start and do you have to pay the mechanic if they haven't repaired your car? Here are three steps you can take if your mechanic hasn’t fixed your car. 

Before taking any action, it is crucial to understand your rights. If you have paid for a repair service, you can expect the problem to be fixed. 

If the problem persists after the repair has been made, you can seek a remedy, which can be a repair or a refund. 

The first step in dealing with a mechanic is to contact them and explain the problem. Speak with the garage in person or over the phone; you may be able to remedy the issue swiftly. 

If they don't agree to correct the issue right away, you should write or email the garage. This is to record the situation and your correspondence with them. A paper trail is essential if the situation escalates! 

If you're having trouble with the garage, you have alternatives for getting the work done or claiming compensation. However, you should always try to negotiate with the garage first. 

While you are disputing the bill, the garage cannot sell or dispose of the vehicle. They can, however, 

Before spending more money on rental cars or travelling, always ask your garage what they can do to assist you. For example, they may be able to provide you with a courtesy car. A court is unlikely to award you money if the garage provides services you did not use. 

When disputing a charge, it's a good idea to keep a record of any extra money you have to pay for travel, as well as receipts. You may need to prove this later on. 

Other steps you can take if you paid for a car repair but the car wasn’t fixed

Here are some additional steps if your repair wasn’t fixed. These may not apply to all scenarios, so check whether each tip is relevant to your situation before acting. 

We understand the last thing you want to do is pay for an unfixed car. 

However, if you need the car back but are unhappy with the price, you can pay 'under protest' and continue your case. This indicates you are paying the whole cost but informing the garage that further action is likely. 

Write "paid under protest" clearly on their copy of the repair order form and any copies of receipts made by the garage. If you do not state that you are paying under protest, it will be difficult to obtain reimbursement later on because the garage may argue that by paying the bill, you accepted the charges. 

There's no assurance you'll receive your money back afterwards, but it isn't impossible. If you can't afford to pay, offer to pay a modest sum in exchange for the car's return, then dispute the balance of the invoice separately. 

Investigate whether the garage is a trade organisation member (for example, 

). These organisations can help settle disputes, and you can usually find affiliations on the garage’s website. 

Some trade groups will provide a free service to assist you in resolving your disagreement with the garage, which may include obtaining reimbursement (e.g. being out of pocket or wasting your time). 

Contact the trade association and explain your situation—this is sometimes referred to as a 'conciliation service'. However, an association can only assist you if the garage is a member. 

3. Use an Alternative Dispute Resolution (ADR) Scheme 

Enquire if the garage is a member of an alternative dispute resolution (

) system. This is a method of resolving problems without going to court. A third party will mediate to try to reach an agreement. 

Keep a record of when you ask them if they don't respond, aren't part of an ADR scheme, or won't utilise an ADR. You’ll need these details if you do end up in court. 

Going to another garage is a dangerous alternative because you'll almost certainly need to go to court or a trade association to be reimbursed for the extra money you spent on the work. There's also no guarantee that you will receive your money back. 

Some cars won't be able to go to another garage due to safety concerns. Assess whether your vehicle is safe to drive before attempting to drive it. 

5. Report the garage to trading standards 

You can report the garage to Trading Standards if they quote one price but charge another. 

You can also report misleading advertising or unfair tactics. Reporting the garage may mean that they do not mislead future clients, but it won’t help your current situation. 

Generally, a car repair should take a few days. 

a car can vary greatly depending on the issue's complexity. 

If the repair is taking longer than expected, it is essential to communicate with the mechanic to find out what is causing the delay. 

My car was damaged by the garage during a service 

If your car was damaged in the garage, you should try to get them to pay for the repairs. It's best to point out the damages as soon as possible. Otherwise, you'll be perceived as having accepted what's happened. 

The most they have to provide is the cost of repairing the damage. For example, if somebody scratched your car door, they should cover the expense of repairing the door rather than purchasing a new door. 

To bolster your argument, you can prove that you know your legal rights. Remind them that you're aware that "

traders have a responsibility of care under the Consumer Rights Act 2015.

The garage may put a notice on their property stating they are not responsible for any damage. This is an 'unfair term,' which means they are still accountable. You should inform them of this. 

How to assess the damage from a car service

If you suspect damage from a car service, you need to stay calm and collected. Rash decisions can go against you in the future. Here are some steps you can take to assess the damage: 

Some car owners take photos and notes of their cars before services to act as a comparison afterwards. This can be helpful for future services. 

What to do if the garage refuses to make repairs

Contact the garage's insurance company, the trade association, or the car manufacturer for assistance if they refuse to make repairs. 

If the garage refuses to accept liability and you must file a claim with your insurance, your no-claims bonus may be affected, so also check with your insurer. 

What if the mechanic created a new problem? 

A mechanic may introduce a new problem while attempting to repair an existing one. This can be aggravating and may necessitate more time and money spent on correcting the problem. If this occurs, contacting the mechanic and seeking a remedy is critical. 

You may be able to claim for the damage on your car insurance, depending on the type of insurance you have. If you do, you may forfeit your no-claims bonus. You might also contact the garage's insurance carrier to get them to pay for the repairs. They are not, however, legally required to do so. 

How to find a reputable garage - Final thoughts

After paying for car repairs but not receiving a satisfying fix, you might want to avoid garages and mechanics for a while. However, don’t forget that plenty of reputable garages exist. 

Take the stress out of car repairs with Bumper’s expert connections and customer-centred financing. 

Bumper’s wide network of approved partners is vetted and approved. Plus, 

Bumper offers zero-interest financing for car repairs

 to help get you back on the road as quickly as possible. Enter your postcode and registration plate to 

What If The Mechanic Doesn't Fix My Car? 

The best car finance deal offers you affordability and good value. Still, it’s not always easy to unearth a great deal amidst all the technical details and jargon. So we’ve put together a guide to finding the best car finance deals in 2023. 

We'll help you wade through that jargon, hone in on the details you need to know and guide you towards the best possible finance deal for you. 

Is it better to finance a car through a bank or a dealership?

Dealerships can offer attractive packages if you want the flexibility of a PCP. Financing your car through a bank can also be good if you get pre-approved for a loan. You also don’t have to worry about mileage caps. 

Ultimately, it depends on what you’re looking for but I suggest that if you’re pre-approved by your bank you should then go to a dealership and compare their finance quotes to get a full picture of what's available. 

Taking out a 5-year car loan can be worth it compared to a shorter-term loan if you want to make lower monthly repayments. Bear in mind that the overall cost of buying the car will be higher as you’ll pay more in interest. 

Of course, during the loan period, you can refinance your car but there are positives and negatives to that option, so you'll need to decide if 

What’s the easiest way to finance a car?

The easiest way to finance a new car could be with PCP as this type of finance offers you flexibility, but a hire purchase deal may also be suitable. If you’re buying a used car, consider funding it with a personal loan or cash. 

Finding the best car finance deal does take time, but armed with the details and need-to-knows we’ve talked about you’ll soon be on your way to owning that dream car.

PCP offers flexibility when the contract finishes. You could buy the car outright, upgrade it, or hand it back to the dealership if you don’t want to continue. 

With a hire purchase agreement, you don’t own the car until the final payment is made. You pay a deposit and then the rest of the loan is divided into repayments, generally over five years. 

A personal loan spreads the cost over a fixed period and the interest rate is also fixed. 

What do you need to know when looking for the best car finance deals?

Three key figures to look at and compare are the percentage APR, the interest rate, and the loan term. So what do these mean? 

APR, or Annual Percentage Rate, is the total cost you’ll pay in a year for borrowing money. The APR includes the lender’s standard fees plus the interest rate. There are two different types of APR: 

This is a representative figure you can use to compare car finance deals as a first step. Be aware, though, that even if lenders advertise what seems like a ‘good’ APR, they’re not obliged to offer it to you. This is where personal APR comes in. 

A personal APR takes account of your personal financial situation, including your credit history, how much you want to borrow, and for how long. Based on this you could be offered a higher or lower APR, or the one advertised. 

The interest rate on your loan determines how much you’ll pay over and above the amount you’re borrowing. The higher the interest rate, the more you’ll pay for your car overall. When you take out a loan the interest is added and the total is divided into monthly instalments. 

The interest rate you’re offered is based on your financial circumstances in the same way as the APR, so the basic difference between interest rates and APRs is that the APR figure includes the lender’s fees. 

This is the length of time you’ll repay the loan. Choosing a shorter loan term means you’ll pay less in interest overall but your monthly repayments will be higher. A longer loan term means lower monthly instalments but the total cost of financing your car will be higher. 

It’s essential to know how much your car finance will really cost as lenders typically charge a range of fees. These can include an application or administration fee, early repayment fees, and in the case of a PCP deal, a price for exceeding the mileage cap. 

How to find the best car finance deal in 2023

Compare deals online using the APR figure as a starting point. You could also use a broker to find the best deals on your behalf. This can save time and many brokers work on a commission-only basis, which means you won’t pay a fee for their service. 

Use pre-approval to protect your credit score

If you narrow down your search to one or two deals that seem good, see if the lender(s) will pre-approve you for the loan. Or if you’re going for a bank loan, ask your bank if they can do this. 

If you can negotiate down the price of the car you might be eligible for better finance deals in terms of the interest rate or length of the loan term. 

Think about the running costs as well as the purchase price

Even if you’ve found a good finance deal, think about how much it’ll cost you to run the car. A car with a bigger engine could cost you more in fuel and insurance, so factor in the total cost of owning it before you go ahead. 

The fine print will include any ‘hidden’ costs, such as early repayment fees and late payment penalties, as well as the interest rate, APR, and loan term. 

You need to shop around to find a good car finance deal and ensure your credit rating is as high as possible. Also, consider putting down a larger deposit if you can - 10% or more if possible - to lower your monthly repayments. 

You can get 0% car finance deals but you need to have an excellent credit rating. They’re commonly offered on new cars rather than used cars and can save you a lot of money. Be careful, though, because there might be other fees to add on that could make the 0% car finance less attractive. 

A good APR is typically between 6% and 12% but this may only be available if you have a good or excellent credit score. If your credit score is lower, an APR between 13% and 20% could be considered good. 

Bumper offers interest-free loans for car repairs so we’ve got you covered when you find that special deal. Available at over 4000 garages and dealerships.

2023 Guide to the Best Car Finance Deals 

If you’re struggling to pay for car repairs, or are in dispute with a garage about the service provided, this article explains your rights, responsibilities and how to deal with the threat of a garage keeping hold of your car for non-payment. 

As consumers we all have a significant level of rights and privileges that serve to protect us in purchases, and it’s best to be armed with a good knowledge of the legal obligations of both yourself and the garage carrying out the work. 

 states that: Under the laws of the Supply of Goods and Services Act 1982 and the Sale and Supply of Goods to Consumers Regulations 2002, garages have to provide work to your car that is: 

If you believe that these conditions are not met, there may be some further steps you can take - the first step however is to communicate as best you can, with the garage, laying out your issues with their service. 

What to try first - how to mediate yourself 

If you find yourself confused with a large repair bill, or want some form of compensation or remuneration for the inconvenience caused by a garage, it’s often better to discuss with the garage first before resorting to legal action. 

Stating your consumer rights might be necessary, but it’s often better to talk through the problem first with the manager, to identify their side of the story. Be polite and friendly, and try not to accuse the garage of any wrongdoing straight away. 

You may find a reasonable explanation for the large bill, or the garage being a bit more willing to discuss options for fixing the dispute. 

A fairly common complaint with some garages is finding additional costs on your bill, for work you were not aware of. There are guidelines around how a garage should proceed with unforeseen breakages. 

If an issue is particularly complex, or you simply need your car back no matter what, giving general instructions to fix a problem is the easiest for the garage. This can include diagnosis, parts, labour and testing. 

An example would be if your brakes are underperforming. If the garage has instructions to “fix the issue with the brakes”, it is reasonable to assume they will take them apart, find the fault, purchase the required parts (from a supplier of their choice), and fit them. 

In this case, it is hard for the consumer to find fault with the cost of the parts, or the extent of time taken to diagnose and repair - as long as it is reasonable. 

However, if you have a little more time, and want to keep an eye on the costs, you can advise the garage with specific instructions. An example of this would be: “Diagnose the issue and prepare a quotation for remedial work to the vehicle's brakes”. 

This work may still be chargeable, as often problems need some level of disassembly to identify the fault, but once the fault is known, the garage should not do any more chargeable work. 

If you have instructed a garage on this basis, and they have gone on to buy or fit parts, without your instruction, they have not abided by the authorisation terms. 

What to do if the garage has not fixed the fault 

If you have trusted a garage to find and fix a fault, but it is still present, you may have grounds for complaint, unless the garage can prove that the new fault is a separate issue, or outside of the scope of work authorised. 

If a new fault has developed, speak to the garage immediately, and if possible book it in with the expressed notification that you require them to inspect their previous work, and you are not to be billed for any more diagnostic time. 

Bear in mind that due to the complexity of many systems, it’s possible that the new fault was not directly caused by the garage, and is the result of deferred repairs. 

Can a mechanic keep my car if I refuse to pay? 

In a word, yes. In the UK until a bill has been paid the garage can keep the car as a “Lien”, which is the right to keep the property until a debt is paid. 

It’s a necessary tool for garages to have, as once the work is completed, they have no power to ensure payment by the customer. 

The waters are muddied slightly if the work carried out is in dispute over any of the issues we’ve already discussed, including quality, price or time, where you may want and need your car back as soon as possible, but don’t want to accept the work completed by paying the bill. 

One way to get your car back, but not forgo the right to contest the level of service provided, is to pay the bill as ‘under protest’. This way the payment of the bill is not a marker of you agreeing with the transaction, if the complaint was to be elevated. 

Can a garage sell my car for non-payment? 

Whilst the garage is allowed to prevent you from collecting your car if you don’t pay, their ability to sell the car to recover costs is not as straightforward. 

 states the garage is not allowed to sell the car whilst the payment is in dispute. 

What if you can't afford the car repair? 

Joseph Law

Bumper Content Writer

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