Annabelle Clarke

PR Manager

Annabelle Clarke | Author

Eduardo Rodrigues

Content Writer

Claudia Tuñón

Isobel Coughlan

Joseph Law

Bumper Content Writer

Alastair Shephard

 has integrated its aftersales digital payment service with Keyloop, a provider of technology solutions to the automotive sector. 

Bumper’s platform operates across Keyloop’s Autoline and Drive 

dealer management systems (DMS), providing users with access to its digital Buy Now, Pay Later and PayNow aftersales services.

The move also sees Bumper joining Keyloop’s International Partner Programme, becoming the first business to offer digital aftersales payment services. 

Vertu Motors, one of the UK’s largest dealer groups, became the first franchised network to go live with Bumper on its Keyloop DMS. 

“Integrating with Keyloop is a major step for us as we increase our footfall across the UK,” 

said Jack Allman, Chief Commercial Officer and Co-Founder of Bumper. 

“The integration makes it even easier for dealers using Keyloop to offer aftersales customers more affordable, convenient and secure ways to pay their servicing, maintenance and repair bills,” 

Commenting on the partnership Jules Grinnell, Global Partner Director at Keyloop said: “We’re delighted to extend our relationship with Bumper through Keyloop’s Partner Programme. The integration between Keyloop and Bumper will allow service advisors to process 0% finance for customers in just a couple of clicks. 

“The solution will pass through any available necessary data and improve the quality and accuracy of the data processed by Bumper, meaning more work is approved in a quicker, more efficient manner.”

Recent months have seen Bumper, the eighth fastest growing company in the 2021 FT1000, also partner with Nissan, Ford, Volkswagen Group and Jaguar Land Rover as well as Arnold Clark and CitNOW. 

Bumper integrates with Keyloop DMS to offer digital aftersales payments to dealers across the UK

Leah has amassed considerable experience in managing staff growth at tech start-ups, most recently at Goodlord, the property lettings platform, and Eve Sleep, the online sleep brand.

Leah will manage the rapid employee growth Bumper is planning following its recent Series A funding round and its expansion into several key European markets, which will take the fintech’s headcount from 40 to over 100 within the next 12 months.

“This is an exciting time to be joining Bumper as the business accelerates its growth plans. My role will be to recruit the best possible team members to make this growth possible, while also helping shape the company’s evolving culture to ensure we have ways of working that will enable us to grow in the way we want to,” she said.

An immediate priority is the recruitment of tech staff to develop Bumper’s expanding platform as the UK-based business launches into new international markets.

“I enjoy working in the tech start-up world and look forward to helping Bumper achieve its growth plans by having the best possible staff in place over the coming months. We have an ambitious plan to virtually triple our headcount by the end of 2022 and that process is now underway,” she said.

Bumper has appointed Leah Ellis to the newly created position of Interim Chief People Officer 

The appointment reflects Bumper’s focus on evolving its platform, bringing further innovation to the automotive sector and delivering tech-led convenience to dealers and their customers.

Fran joins from Experian where she served as Domain Leader and Senior Product Manager. She was also formerly a Senior Product Manager at Lebara, where she was in charge of the business’ ecommerce platform and, prior to which she was Product Manager at Wonga where she co-led the rollout in Spain. 

Her career in product management began after graduating with an MBA from the London Business School in 2011.

Fran sits on Bumper’s six-strong executive team and is currently managing the international launch of the platform into continental Europe, starting with Germany, followed by Spain, the Netherlands, and Portugal.

She is also leading the development of a new white label customer app which will be offered by dealer groups to help improve aftersales retention. 

“I was attracted to Bumper because it’s a fintech with ambitious growth plans. The business is still relatively small, which makes it agile, but it has good funding which is allowing it to scale quickly,” she said.

“It was also an exciting opportunity to work with a tech leader and help further develop a platform which resonates with dealers and their customers. A major part of my job is listening to dealerships and understanding their requirements and working out how they can make better use of the Bumper platform, especially as we move into Europe where each market has different local nuances.”

Bumper has appointed Francisca Gutierrez Marticorena to the new position of Chief Product Officer

Bumper CPO Francisca Gutierrez has become the latest business leader to join the Automotive 30% Club. 

Gutierrez said gender balance is central to the expanding business’ accelerated recruitment drive as it scales up its digital aftersales payment platform in the UK and across Europe. 

The Automotive 30% Club is a voluntary group comprised of managing directors and CEOs founded to achieve a better gender balance across the automotive industry, with the aim of filling at least 30% of key leadership positions in its members’ organisations with women by 2030. 

Gutierrez said: “I’m really excited and honoured to be joining the Automotive 30% Club and look forward to working with the team and fellow members to actively promote gender balance by recruiting and retaining the best possible talent across the automotive sector. 

“As a fast-growing fintech business, Bumper is now hiring a lot of people at scale, which brings a number of challenges. Being a member of the Automotive 30% Club will help us build a framework and structure to ensure our hiring process is always as inclusive and diverse as possible. 

"This is not only a moral and ethical responsibility but also adds commercial value, as we believe a diverse management team makes better strategic decisions.” 

Julia Muir, the founder of the Automotive 30% Club, said: "It's great to welcome Francisca Gutierrez to the Automotive 30% Club. I'm very pleased that Francisca is putting a gender-balance and inclusion strategy at the centre of Bumper's growth plans and it is evident that she recognises the important role played by gender-balanced diverse teams in achieving business success. I shall look forward to bringing her into our network where we all share ideas and solutions to achieve diversity and inclusion goals" 

Bumper CPO Francisca Gutierrez becomes latest member to join Automotive 30% Club 

Well done to the team at Luton for an outstanding month using Bumper to help their customers. 

Since joining Bumper in July 2021 the team have introduced our PayLater product as key part of their aftersales process. The team use Bumper

’s integration with CitNOW to offer a fast, digital experience and give customers more control over their finances. 

 ‘Our customers really value the option to spread payments, any unplanned work is far easier to budget for, and the process couldn’t be easier. The system is by far the easiest we have used. Support is always available on the rare occurrence it’s needed. Just the right amount of contact from Alex inspires confidence in the team.’ Aftersales Manager, John Fincher Specialist Cars, 

Well done to Graham, Rebecca, Nikki, Tracy, Jodie, Robert, and the rest of the team! 

Bumper’s Dealership of the Month for December 2021 goes to Specialist Cars Luton 

A recent survey by the Motor Ombudsman found that 68% of motorists plan to 

 due to the current cost of living crisis.

The survey of 2,000 participants revealed that 56% of car owners didn't currently have a service plan, 23% expected to delay their service and 33% expected to miss their annual recommend service entirely.

 isn’t mandatory, the check is recommended by manufacturers and is important for keeping the vehicle in good condition and safe for road users. 60% of respondents recognised the importance of an annual service and 35% understood the positive impact a service history can have on the vehicle’s resale value.

The survey revealed motorists were concerned about the cost-of-living hike, with 87% of motorists concerned about the high cost of petrol and diesel, as well as other large increases, such as National Insurance rising to 1.25% and an increase in inflation resulting in higher supermarket goods.

Consumers plan to react by cutting back on their vehicle use by walking or cycling, driving more efficiently to reduce fuel consumption, and shopping around for cheaper car insurance.

Find out more about reducing your fuel consumption.

Bill Fennell, Managing Director of the Motor Ombudsman, said “April has seen a coming together of several cost of living increases, which have unfortunately hit the wallets of consumers all at the same time. It’s therefore inevitable that something has to give, and our study has shown that servicing and vehicle maintenance is being seen as less of a priority. This is, of course, concerning – not following the vehicle manufacturer’s servicing schedule, and not taking their car to a garage to be looked at by a professional in the event of any mechanical problems is essentially compromising the safety and value of the vehicle.” 

Bumper’s PayLater platform puts drivers back in the driving seat by allowing them to split repairs, MOTs, services and accessories in monthly instalments, completely interest-free. Our quick and easy-to-complete applications are completed online in just a few clicks.

Complete the registration form on our website for more information about how Bumper can grow your aftersales department.

Motorists plan to delay service due to cost of living crisis

We’re pleased to announce the Dealership of the Month award for October 2021 goes to Burrows Toyota Sheffield. 

The team at Toyota Sheffield have performed exceptionally well this month with Bumper. Since undertaking Bumper's new online training sessions, the team have introduced PayLater as key part of their aftersales process. 

During the training, the team learned how to complete applications in under 60 seconds and how to appropriately provide a credit product to consumers in an aftersales environment. 

Not only did the team perform well in sales this month, but they also provided outstanding customer service. Here’s what some Toyota Sheffield Customers had to say: 

“It was well explained, it was great we could split the bill over 4 months interest-free” 

“An easier option to spread payments without any interest. Thank you very much for providing this facility.” 

“Large garage bill, thanks to Bumper I can spread the cost with no interest or fees. Thank you” 

“Very good service, with no complications” 

Well done to Nikki, Ben, Codie, and the rest of the team at Burrows! 

Burrows Toyota Sheffield: Dealership of the Month October 2021

Cars are complex things, there are many different mechanisms, moving parts and components that can fail. This is why the noises they make when faulty, can be a great indicator of what is going wrong.

Below we’ll explain what some common car noises mean, and when to be concerned with them and get them fixed. 

Bumper knows a large repair bill on your car is the last thing you want to spend your money on, but sometimes repairs can't be avoided. 

Look after your car and your bank balance by splitting the cost or repairs into with

Clicking noise and the engine not starting 

If you hear a clicking noise when you try to start your vehicle, there may be a problem with the electrics – and more specifically the battery in your car. 

This clicking noise may be a sign that the battery does not have enough power to crank the engine because it is faulty, or your car has a 

Most service centres or garages will be able to do a free battery health check. Batteries most commonly fail around 

winter time, when the engine is harder to turn over

 and the battery is at near zero temperatures. 

If your engine squeals when started, it is usually the auxiliary belt. Also known as the fan belt or serpentine belt, it drives the ancillary components such as 

Because these components all draw rotational power from the engine, the belt is under a large load when first starting, this in combination with rubber belts becoming harder and less ‘grippy’ when cold, the belt can slip and cause a noise. 

Whilst the noise will usually go quickly when it first develops, it will get worse the longer its left. In some cases the belt can simply be tightened and this will remedy the problem, 

If the belt is not tightened or replaced to prevent the squeal, it will ‘glaze’ meaning the surface becomes shiny and no longer grips. Once this happens the belt will slip much more. 

Whilst this does not appear to be a huge problem, the belt will eventually snap due to the unindented wear. A snapped auxiliary belt will leave you stranded, as the battery will no longer be charging, and in some cases the 

, which could cause serious engine damage. 

If you sometimes hear a loud metallic sounding, high frequency tapping when the engine is started, that fades away after a few seconds, you may need to check your engine oil. 

Some cars have hydraulic tappets on the camshafts. These are simply devices that allow your engine to run with less maintenance than the old fashioned alternative - manual adjusted tappets. 

Because the tappets are hydraulic, they use the engine’s oil to operate. If your car's engine oil is low, it can take a few seconds for the oil to reach the tappets, which are right on top of the engine. 

Learn how to spread your car repairs over monthly repayments

Are loud hydraulic tappets a big problem? 

In some cars, the tappet noise is perfectly normal, even with the correct amount of oil in the engine. It is likely to be more prominent on 

, and when the car is left with the engine off for a period of time - such as overnight. 

If your engine oil is at the correct level and is the right grade for your car, and your engine makes a loud tapping noise when started every time, it may be a good time to take it to a mechanic. 

It is important when trying to diagnose or describe a car noise that you think is causing a problem, to listen out for the particular circumstance that causes the noise. These details can help a mechanic diagnose the problem and fix your car faster! 

Suspension systems are made up of multiple links and joints. Over time these wear out and become loose, causing noises when the car drives over a bump or pot-hole at speed. 

Another potential source of noises from the underneath of your car is the exhaust system. As this is suspended from rubber hangers, these wear out and allow the

 itself to move excessively, banging into the underside of the car. 

What causes a loud bang under my car when driving? 

If you hear a loud bang from your car where the noise is a deeper tone and sounds as though it's coming from the back or front of the car, it could be the suspension. Common replacement parts are wishbone bushes, track rod ends and drop links. 

If it appears to be coming from directly underneath and is more hollow and metallic in tone - like the sound of a metal pan being hit with a spoon, it’s more likely an exhaust issue. 

Find out more about car warning lights and what to do about them.

Is your car making a "whirring noise" when driving?

A car making a "whirring noise" can be caused by any 

. For example, if there’s an issue with your power steering system such as a leak, you may hear this noise when turning the wheel, and especially when turned all the way in either direction. 

You should address any issues with power steering as soon as possible with 

Also, if you hear a whirring noise that seems like it's coming from your engine then you'll want to get to your local mechanic quickly. 

Other common sources of whirring noises and water pumps, alternators, air conditioning pumps and worn clutches - anything that spins, will have a bearing in, and can wear out. 

 can cause parts such as the pump pulley to wobble as they rotate causing the noise as you drive. If you don’t replace any faulty parts in your water pump, your engine may overheat and fail. 

A consistent humming noise may have very different causes based on where the noise appears to be coming from and when it happens. 

If the noise occurs when the car is stationary, it’s a sign that the issue may be a leak from a part that moves irrespective of whether the car is moving or not, e.g. your exhaust system. 

What causes a humming noise when driving? 

If the humming noise only happens when you’re driving it may be something more serious, such as 

. In short, wheel bearings allow the wheels of your car to rotate without friction or excess heat. 

These bearings wear over time and typically need to be replaced every 80-120,000 miles, depending on the usage. 

There are two main things to check in identifying a wheel bearing noise: if the noise get faster/louder with increased speed, and if the noise changes when turning at speed. 

Wheel bearings are critical to the safety of your car, and will affect tyres and vehicle control if left too long - if the two points above are true about the noise in your car, take it to a mechanic as soon as possible. 

Find out more about replacing wheel bearings.

A whistling noise while you drive is most likely caused by a leak somewhere in your engine, maybe as a result of a faulty or cracked hose in your turbo or vacuum system. 

These pipes are vital for keeping your engine running properly and would affect performance and economy. The parts usually don’t cost a lot to replace, but failure to do so will eventually lead to bigger problems. 

You may notice that your car makes a specific noise when your car is turning. Depending on the noise, it may signify any number of issues. It’s important to differentiate if the noise happens when turning the steering wheel, stationary or not, or whilst turning a corner. 

Noise when turning the wheel usually indicates a fault with the power steering system. Often the pump will cause a noise when the bearings become worn. It will usually coincide with heavier steering. 

If your car makes a noise when driving round corners, such as at roundabouts, it could indicate a fault with the suspension or tracking, or maybe be a wheel bearing, as described above. 

Another possibility is a worn CV joint. A Constant-Velocity joint is what enables the drive from the

 to be transferred to the wheels whilst turning. When worn they make a distinctive clicking sound, which increases in frequency with the speed of the vehicle, and volume with the level of steering angle. 

Whatever the noise, sounds when you turn can indicate there is an issue with your steering and should be addressed as soon as possible. 

Any engine issues will usually be more apparent when pulling off and accelerating uphill, than when at cruising speed. Similarly, braking noises will often get louder the harder the brakes are applied. 

Typically heard from the top of the engine bay, and sounds like air leaking from the engine. You might also hear a noise from underneath the car. 

If the noise is upfront, a turbo pipe leak could make a roaring noise, this will be accompanied by a lack of power and often more smoke than normal from the exhaust. 

At the other end of the spectrum, an exhaust leak from underneath the car could also cause a louder noise when accelerating. This will often be alongside a strong smell of exhaust fumes inside the car. 

Both noises would be easier to hear from outside the car. Try having someone gently rev the car's engine - in neutral - whilst you hear from the outside. 

Worried a noise in your vehicle may be a sign of something serious? Use 

 to find your local garage and pay for repairs in manageable monthly instalments, at no extra cost with a car repair loan. 

 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.

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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.