From little bumps to engine trouble, split the cost of car repairs with easy monthly instalments without the upfront cost.


Credit subject to status. 18+, UK only. T&Cs apply.

How Bumper Works

Let’s take Jenny. Her car is in for it’s annual service at her local dealership. However the technician finds some problems that need attention.

Jenny doesn’t have the funds to cover the £600 for the repairs

She pays just £150 today as a deposit for the Bumper plan, while we pay the invoice in full. Letting Jenny drive away today.

Jenny then pays £150 for three monthly payments, that’s it, simple.

£600 INVOICE.£600 PAID.
Get approved quickly,

online and without paperwork.

Spread the cost over 6 monthly payments,

interest free.

Split your bill up to

£5,000 across 4,000 service partners nationwide.

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.

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.


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.


Get 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.


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?



PayLater in 4 interest-free instalments



Today, Deposit



in 30 days



in 60 days



in 90 days

Total repayable


Interest & Fees


  • 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.

  • Yes you can. Contact Bumper by one of the following methods to discuss your repayment

  • 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.