Pay later with Bumper

Make car repair & Servicing more affordable

Spread the cost over







. Repair now, pay later.

How it works

See just how quick and easy it is to pay later with Bumper

Apply & Spread the COST, Interest-free

It’s as simple as:


Enter your reg & postcode to search for a trusted local partner.


Apply for your Credit Limit up to £5,000. We don’t need to know how much your bill will be!


Get pre-approved instantly and get your unique Bumper Code.


Book an appointment at your selected service partner.

How will i know what my repayments will be?

When agreeing the cost of your repair, simply give the Service Advisor your Bumper Code.

They’ll send you a link to set up your plan on your smartphone or face-to-face using our secure platform.

You can pick the number of months you’d like to spread the cost over and choose a repayment date that suits you.

You’ll never pay more for your servicing or repair bill when spreading the cost. And, we’ll never inform the partner about your Credit Limit or share any of your information without your consent.

who do you partner with?

We partner with all major vehicle brands, over 4,000 partner garages nationwide and our network continues to grow every day.

We help you keep your vehicle in tip-top condition and work with the most reputable dealerships, independent garages and service centres across the UK. Chances are your current garage uses Bumper!

With our partners you can spread the cost of:

Scheduled servicing and maintenance


Unexpected repairs

Body repairs and painting

Accessories and parts

Payment calculator

How do our plans work?

The calculator is illustrative, so play around to get an idea of how much each repayment could be.

The number of repayments, the amount of credit and the need for a deposit changes depending on the partner you choose, but it








Ways you can spread the cost.

Delay the cost of your repairs by up to 40 days by splitting your repayment over

1 to 3 monthly instalments

When spreading the cost

over 3

or more repayments, pay your first instalment on the day.
Spread the cost over a maximum 5 months (6 repayments including the first due on the day)

How much?



PayLater in 4 interest-free instalments



Today, Deposit



in 30 days



in 60 days



in 90 days

Total repayable


Interest & Fees



A few common questions that you might be thinking.

  • We charge our partners a small service charge when you choose to split your payment with Bumper, and ensure that they never pass this cost to you. That way we keep it all as simple as possible for you.

  • 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, 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.