Annabelle Clarke

PR Manager

Annabelle Clarke | Author

Eduardo Rodrigues

Content Writer

Claudia Tuñón

Isobel Coughlan

Joseph Law

Bumper Content Writer

Alastair Shephard

No, Bumper does not do a “hard” credit check when you apply. 

When applying for Bumper’s Buy Now Pay Later service for car maintenance, Bumper performs a “soft” credit check, which does not affect your credit score. 

However, this is just the initial search. If you accept your Bumper plan and start making repayments, these will be reported to the credit reference agency. 

If you make payments on time, this could positively affect your credit score. 

Read on to find out more about how credit checks with Bumper work: 

Yes, Bumper does a “soft” credit check when you apply for their interest-free finance product. A “hard” credit check isn’t performed. 

Soft credit checks show on your credit report but aren’t visible to other lenders. Only you can see them. 

Because other lenders can’t see them, they won’t affect other credit applications, such as a mortgage or finance to purchase a car. 

When you start making repayments towards a Bumper payment plan, repayments will be reported to the credit reference agency: 

Bumper performs a soft credit check. This is only visible on your credit report to you. 

Payments made on time or missed payments would be reported to the credit reference agency. 

How strict are Bumper’s credit checks? 

If you have a good credit history and have been regularly making repayments to other lenders on time, it is most likely that you’ll be approved. 

If you don’t have a very good credit history and you regularly miss repayments or have a history of defaults, you may not be accepted. 

However, applications are reviewed on an individual basis, and we cannot guarantee you’ll be approved. 

Why does Bumper perform a soft credit check? 

The “soft” search Bumper performs gives us a an overview of key aspects of your credit history, allowing us to make an assessment of your creditworthiness. 

As a responsible lender, we must do all we can to make sure we don’t approve anybody for credit that they might not be able to repay or could push them into financial difficulty. A soft search lets us do this. 

Does a credit check from Bumper show to other lenders? 

The soft credit check Bumper carries out when you apply doesn’t show to other lenders. 

However, if you start your plan and accept your agreement, on-time and missed payments will be reported to the credit reference agency. 

Does a credit check from Bumper show immediately? 

Bumper reports the soft credit check to the credit reference agency straight away. 

It is important to remember that a soft search only appears to you. It doesn’t show to other lenders. 

Does using Bumper improve your credit score? 

Yes, using Bumper could improve your credit score. 

Regularly making payments on time is a good way to show lenders you’re likely to meet their repayment schedule and can positively impact your credit score. 

However, missed or default payments could affect your credit score in a negative way. If you think you’re unable to make your repayments, the best thing to do is speak to Bumper straight away. 

Final thoughts – does Bumper do a hard credit check? 

Hopefully, this guide has given you all the information you need about how credit checks for Bumper’s 

No, Bumper does not perform a hard credit check. It performs a soft credit check, which only you can see. 

If you accept your credit agreement, the payments you make or miss will be reported back to the credit reference agency. 

Does Bumper do a hard credit check? 

We’re excited to announce the next Dealership of the Month as Riverside Volvo Hull. 

The Volvo site has been part of the Bumper network since 2021, using PayLater to split the cost of their customers’ bills into interest-free monthly payments. 

Now, the site is one of the latest to roll-out Bumper Pro, a complete payment solution combining every payment method – PayLater, Pay by Card, Pay by Bank and PayPad. 

Pro enables dealers to simplify payment management and reduce processing fees. 

Connecting seamlessly to Pinewood.AI, Bumper Pro has allowed Riverside Motor Group to automatically reconcile payments, saving their teams needless time spent manually matching payments. 

Intelligent payment routing has unlocked significant transaction fee savings for the group, with drivers automatically directed to a preferred payment method depending on their transaction size. 

Additionally, with multiple providers and payment types at their fingertips, Bumper Pro has equipped Riverside Volvo Hull with the necessary tools to almost eliminate the possibility of payment downtime. 

Group Operations Director, Andy Jackson, at Riverside Motor Group, said: “Bumper Pro has had a major impact on our operational efficiency. Automatically reconciled payments within Pinewood saves our team heaps of time, completely eliminating what was a previously laborious process. 

“Pro has also had a positive impact on our customers. With every payment option connected seamlessly through our Bumper account, DMS and the Bumper PayPads, our drivers are given the ultimate flexible payment experience consumers have to expect.” 

Riverside Volvo Hull: Transforming payment management with Bumper Pro 

BMW’s MINI brand is one of the most popular on UK roads, especially when you consider all the models such as the Countryman, Clubman and of course the Cooper. However, being a subsidiary of BMW, are repair costs very high? 

In this article, we’ll take a look at some common faults relating to the drivetrain of common MINI models, and how much they’re likely to cost. 

How much does repairing your MINI drivetrain cost?

Drivetrain repairs on MINIs can cost anything from £200 to £3,000+.

The drivetrain of your car is anything that transmits power from the engine to the wheels. In most two-wheel drive cars this includes the clutch and flywheel, gearbox, differential and driveshafts.

If your car needs significant drivetrain work, such as a replacement clutch or gearbox repair, Bumper can help spread the cost with interest-free 

Clutches in most modern MINIs cost between £450 - £1300, depending on the particular model, and if any other components need to be replaced. 

For example, if the dual mass flywheel needs replacing, you should typically estimate another £200-300 on top of the above figure.

Gearbox replacements can cost between £550 for a reconditioned manual one fitted, to over £3,000 for a new automatic unit. 

In some cases, the fault can be repaired without completely replacing the gearbox, but this will still typically cost at least £200-300 as it is likely to involve removing the gearbox.

How much are replacement MINI driveshafts or CV joints?

Replacing MINI driveshafts generally costs between £70 and £550, depending on whether just the CV boots need to be replaced or if the whole unit needs replacing.

Driveshafts transmit power from the gearbox to the wheels. To enable the necessary suspension travel, CV or 

 joints are used. These contain multiple bearings and are generally the reason a driveshaft needs to be replaced.

What are the main components of a car's drivetrain?

The term drivetrain refers to a collection of components that transmit power from the engine to the wheels. It incorporates:

The clutch is used to engage and disengage power from the engine to the gearbox. They are typically only found on manual gearbox cars, although some types of autos also use clutches. 

This is attached to the clutch and serves to smooth out power delivery, making the car easier to drive. Dual mass flywheels can sometimes cause issues, but solid ones generally do not need to be replaced.

Used to select the gear ratio, it is a complex assembly of multiple spinning shafts and many gears; some types of modern automatic gearboxes are even more complex still.

On Front Wheel Drive cars, the differential is built into the gearbox, but in rear-drive cars, such as most BMWs and others, it is a separate unit located underneath the boot. Its job is to allow the driven wheels to spin at different speeds, such as when turning. 

Are MINIs more expensive to repair than other car brands?

MINI repair costs are typically higher than the average, both in parts costs and labour rates.

Although MINI does make some performance models, such as the Cooper S and John Cooper Works editions, most of their cars are modestly powered and spec’d daily use vehicles, rather than luxury or high-performance cars. This is generally a good thing for repair costs.

However, as MINI is a subsidiary of BMW, parts costs can be expensive, as can labour rates. There are also a few common faults that can be a hit to your wallet, such as the N14 engine.

If your car does not need to be repaired at the dealer to maintain its warranty, it is advisable to use an independent specialist, which will have much lower labour rates. To help with the cost even further, check out Bumper’s zero-interest 

 has been writing about cars for over eight years and writing for Bumper for over three, 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 cars, Joseph dreams of owning an Alfa Romeo 33 Stradale.

MINI Drivetrain Repair Costs

If your car's handbrake no longer works, or your car has failed its MOT on excessive handbrake travel, it’s possible you will need a new handbrake cable. This article will discuss how much that is likely to cost, and what to look out for.

On most cars, a handbrake cable will cost between £120 and £340 fitted. Although this can depend on the make and model of the car, and your location.

In general, handbrake cables are pretty simple devices that work roughly the same across most vehicles, so the main difference will be labour rates - i.e. where you take the car to be repaired.

 lets you split the cost into monthly payments, completely interest-free.

Much like the brake cables on a bicycle, the handbrake cable transfers force from the handbrake lever to the brake callipers or drums. This enables you to leave your car parked on a hill, or, in the event of brake failure, slow the car down. 

The cable itself is a metal braided cable running inside a plastic sleeve, with an adjustment mechanism near the lever.

Sometimes, when your handbrake is weak or faulty, the cable just needs adjusting. There is usually a place to do this near the handbrake lever, either under the car or inside the cabin, but it’s best left to the professionals to avoid incorrect adjustment.

However, the cables can become stretched, especially if the car is an older one. In this instance, there may not be enough adjustment travel left to get an effective handbrake force, and thus the cable will need to be replaced.

Does my electronic handbrake have a cable?

Electronic handbrakes use a button in the cabin and a motor on both rear wheel brake callipers to apply the handbrake. As such, they do not have a handbrake cable at all. 

If your electronic handbrake is not working properly, it will need investigating to find the source of the issue. It could be a faulty control module, motor or a seized calliper. 

A handbrake that is not effective will not stop your car from working, but you should not drive with a broken or ineffective handbrake. Not only does it cause issues when parked, but in the event of your main brakes failing, the handbrake still allows you to bring the car to a stop. 

This is the reason the handbrake is called an emergency brake in some regions. Furthermore, if your handbrake cable snaps, it could easily become entangled in a moving part or catch something on the road surface whilst driving.

Paying in affordable instalments can help lessen the impact of hefty car repair bills, especially at zero-per cent interest. Bumper offers just that, interest-free 

Handbrake Cable Replacement Cost

In cars with a cable-operated clutch, a broken cable can leave you stranded, unable to select or engage any gears. There are many symptoms that point to a broken or worn clutch cable. 

We'll go over the main ones in this article, along with discussing the potential costs of repairing a clutch cable.

Replacing a clutch cable costs between £250 - £600, depending on the type of car and location.

Because the types of cars that use a cable clutch tend to be smaller, more affordable ones, the parts are generally competitively priced, and often don’t take too long to replace. 

In many cases, the biggest cost of a clutch cable failing is in the recovery services needed to tow the car to a garage, as the car will no longer be drivable. 

Spread the cost of replacing your clutch cable with Bumper’s 

. Choose from hundreds of approved garages across the country and benefit from zero-per cent finance repayments.

Your car's clutch is a device that engages and disengages power from your car’s engine to the gearbox and, therefore, the wheels. The clutch cable operates this device by transferring force from the clutch pedal to the clutch mechanism.

Most modern cars use a hydraulic clutch, and cable-operated clutches are often found on older and smaller, more affordable cars, as they are cheaper to manufacture. 

A clutch cable is similar to that of a brake cable on a bicycle. It uses a braided steel cable that runs inside a housing, retained at both ends. 

Symptoms of a broken or worn clutch cable

Common symptoms of a broken or worn clutch cable are different from those of a worn clutch, the latter being when the friction material inside the clutch has worn away. Symptoms of a broken clutch cable can include:

A clutch cable can also be rusty, seized or simply worn out. It’s important to pay attention to these symptoms and have the cable looked at before it snaps and leaves you stranded. These are the signs of a worn or problematic clutch cable:

Can a broken or worn clutch cable cause a clutch to slip?

Typically, a clutch will start slipping because the friction material on the clutch plate is wearing thin, not because a cable is worn or broken. 

However, a badly adjusted clutch cable, or one that is extremely worn, could cause similar problems if, for example, it wasn't allowing the clutch to release fully.

Can you drive with a broken or worn clutch cable?

If your clutch cable has snapped, it will be nigh on impossible to get the car into gear safely and without damaging the gearbox. Even if you can get it into gear or begin driving, a car with a broken clutch cable should not be driven.

A worn out, stiff or corroded clutch cable may still operate the clutch and allow you to drive, but if the pedal is particularly hard to press, or sometimes doesn’t pop back up after use, continuing to drive could cause the cable to snap, and leave you stranded. 

If your clutch cable or clutch is showing signs of extreme wear or degradation, you should look to have the parts replaced as soon as possible to avoid costly recovery bills. 

To help with those repair bills, consider using Bumper’s 

, you can take your vehicle to any number of pre-approved repair centres, and spread out the cost. Find an approved partner garage on our website.

Clutch Cable Repair Cost

Pedestrian protection systems are present on almost all cars nowadays. They are designed to reduce injury in speed collisions with pedestrians and cyclists, and have proved quite successful in testing and real-world scenarios. 

However, more electronic systems and sensors are not always a good thing for the owner's wallet, as repairs can be costly and time-consuming. In this article, we’ll take a look at what the pedestrian protection system does and how much it’s likely to cost you if it breaks. 

BMW pedestrian protection system repair costs

Repairing an issue with your BMW pedestrian protection system can cost anywhere from £120 to £2,500, depending on the source of the problem. 

Replacing the explosive bonnet hinges and resetting the system can cost upwards of £2,000 at BMW.

A simple software reset or update can sometimes fix erroneous warnings, which range from being free to £250. 

In some cases, such as a software glitch, a simple system recalibration is all that's needed; however, if anything has been damaged or the system has been activated in an accident, replacing the necessary components can cost thousands. 

 to split the cost of vehicle repairs into interest-free monthly payments online. 

What does the pedestrian warning system do?

BMW’s pedestrian protection system has functions to both reduce the likelihood of an accident with a pedestrian or cyclist, but also reduce the impact force in the event of an accident, with the active hood system. 

The active hood system lifts the bonnet using pyrotechnic charges – similar to those in airbags – to reduce the force experienced as the pedestrian impacts the bonnet of the car, creating a cushioned or sprung surface that absorbs the impact energy.

Sensors in the front of the bumper, combined with camera technology, detect when a person has been hit and ignite the pyrotechnic hinges. These hinges lift the rear of the bonnet around 4 inches (10cm) and then provide a reasonably compliant surface, in contrast to the fixed surface on an ordinary bonnet. 

Can the pedestrian protection system be reset?

With most car models, the PPS system needs both software and hardware resetting at the dealer if it has been activated. 

This is because new pyrotechnic hinges need to be installed, and the software reset to tell the car's ECU the system is okay to be re-armed, which, for safety reasons, cannot be done without dealer-level diagnostics tools.

BMW pedestrian protection system common faults

With a system as complex as this, you might expect lots of common issues and problems to be reported, but there are surprisingly few, with most problems arising due to drivers colliding with things!

If you’re facing a large bill for a pedestrian protection system repair, you can split the cost with Bumper’s 

. Apply online and choose from thousands of dependable repairers already on the Bumper network. 

BMW Pedestrian Protection System Repair Cost

If your car’s undertray is damaged and is either sagging or has been flagged on an MOT, it’s important to get it sorted ASAP. It provides a vital service, protecting the lifespan of many other components. 

This guide will discuss the costs of undertray repair and how best to approach it.

How much does it cost to repair an undertray?

Replacing an undertray costs between £150 and £600, depending on the car and the amount of damage sustained.

If your undertray is damaged but can be repaired, expect to pay between £30 and £100 for this quick fix.

As the prices stated above show, the cost of repairing/replacing a broken undertray will depend heavily on the level of damage, what type of car it's on, and also where you are in the country. 

What is a car undertray and what does it do?

A car's undertray helps to protect the bottom of the engine and the ancillary components, such as the alternator and air conditioning pump, from road dirt and water. 

Another key function of undertrays on certain cars is to improve cooling, as they help to keep a low-pressure zone in the engine compartment, improving flow through the engine's radiator.

In most cases, it is a thin, shaped panel made of plastic that attaches to the wheel arch liners on each side and the bumper at the front. On many cars, they need to be removed to work on the engine and do servicing. 

There are many ways an undertray can get damaged. Common ways include when driving over very rough terrain, entering very steep car parks, or even hitting large puddles or other hazards on the road. 

One of the common gripes from mechanics is that undertrays are often fitted with plastic pop-in fasteners as well as proper screws or bolts. These clips are easy to break when removing, and if left, can easily cause the undertray to hang lower than it should, making it even more susceptible to damage. 

It's highly advisable to replace a broken undertray to prolong the life of your car and reduce future bills. In general, car manufacturers don’t fit things that aren’t needed, and the undertray serves an important purpose of protecting your engine and related components. 

Whilst not having an undertray is unlikely to cause any immediate problems, it will vastly increase the amount of water, stones and road dirt that can get to vital parts of your engine, such as the auxiliary belt, alternator, power steering pump and radiators. 

None of these parts work well when subject to water and dirt, and as such, driving for a prolonged time – especially through winter – without an undertray could easily reduce their lifespan.

Why is replacing an undertray so expensive?

In some cases, replacing an undertray also requires other new parts, such as wheel arch liners or supporting bracketry; these can all raise the price of the repair. 

One factor that will massively affect the price is whether the replacement part is a genuine one or not - manufacturers differ in parts pricing, and certain luxury brands are known to be very costly.

If this is the case, it might be possible for your mechanic to find and fit a secondhand undertray, bought from a used spares or breakers yard - though this can come with its own challenges.

Car Undertray Repair Cost

The anti-lock braking system (ABS) in your car is a vital safety feature that vastly improves braking performance. The pumps that operate the ABS are complex devices that can sometimes have issues. 

In this article, we’ll discuss how much it can cost to repair an ABS pump, what symptoms to look out for, and when to take your car to a garage. 

How much does it cost to repair an ABS pump?

Repairing a faulty ABS system can cost between £200 and £2,500, depending on the cause of the problem

In some cases of ABS issues, the ABS pump can be repaired, or the problem may not be directly with the pump itself. Listed below are some possible issues with the ABS.

If the brake fluid is the issue, it might cost between £60 and £200 to fix.

Because the ABS pump has very narrow channels inside, debris such as water, air, or rust particles from degrading brake lines can block it up. In some cases, a flush of the system followed by a fill and bleed with fresh fluid can resolve the issue. 

Replacing a wheel speed sensor or ABS sensor can cost between £50 and £150.

Most ABS systems use sensors on the road wheels to detect their rotational speed. When it detects one of the wheels has stopped spinning – i.e. has started skidding – it will activate the ABS. 

If one sensor has developed a fault, the system is likely to go into a fault state and display a warning message on the dashboard.

If the system simply needs bleeding, this can cost between £40 and £120.

Brake systems are designed to be a sealed system. Air in the lines or any of the components will result in a poor pedal feel at best and brakes that barely work at worst. If air gets into the ABS pump, it can prevent it from working correctly.

Bleeding the ABS pump in many modern cars involves plugging it into the appropriate software to activate the pump and bleed out the air, so it can sometimes be a main dealer or specialist garage-type job.

What is ABS, and what does the ABS pump do?

Anti-lock braking or ABS systems work by pulsing the force applied to the brakes in order to prevent skidding. This greatly increases the performance of the brakes on wet or loose surfaces, reducing braking distances greatly.

The ABS pump, also known as the ABS modulator, module, or motor, is responsible for detecting and pulsing this braking force by communicating with the wheel speed sensors, and working in line with the braking system.

It is composed of multiple components, but all of these are susceptible to faults, through various actions such as circuitry degradation, water ingress or blockages from contaminated fluid. 

How to know if your ABS pump needs replacing

In most cases, the first indicator will be an error light or warning on the dashboard; it typically appears as a circle with the letters ABS inside, or in some cases, will simply show as an amber or red error symbol. 

There are three likely ways in which an ABS pump will cause a fault:

When you should take your car to the garage for ABS issues

Because ABS is so vital to your car's braking performance, especially in wet conditions, it should be treated as a priority when any issue is detected or even suspected. 

If you have noticed any of the issues listed above or have a warning light on your dashboard, have the car inspected by a mechanic as soon as possible. 

Not only is it a safety issue, but knowingly driving with a braking fault could land you with a hefty fine and even points on your license.

Split the cost of an ABS repair into monthly payments with Bumper's 

Most ABS faults are not caused by driver error or poor maintenance, but simply degradation of the highly precise components that make up the pump. That said, there are some steps to take to avoid ABS issues.

If your car's brake fluid reservoir runs too low, it can draw air into the system, which can seriously affect braking and ABS performance. 

It should also be noted that frequent fluid top-ups may be a symptom of a leaking or broken brake line -something that should be addressed immediately.

Change your brake fluid at the correct intervals

Brake fluid changes are needed because the fluid can degrade and absorb water over time. This can cause issues with both the ABS and the normal braking system. 

Check your user manual to see when your brake fluid should be changed, it is typically every 2-3 years and 20,000 - 30,000 miles.

Check for water ingress under your bonnet

As part of your monthly maintenance checks, look for evidence of water ingress around your ABS pump. This can be caused by failing or missing seals that allow water to run off the windscreen when parked. 

If this water is constantly leaking onto the ABS pump or other components, it can cause corrosion of the metal parts, and issues with the circuitry and electronics. 

Facing a costly ABS repair? Split your bill with Bumper's 

. Bumper is completely interest-free and you can apply online before your visit to a Bumper garage.

ABS Pump Repair Cost

Find all the latest industry news and handiest car repair and service tips on the Bumper Blog. Want to get the Bumper view on something? Let us know and we’ll drop a blog post on it as soon as we can.