Split the cost of your car repairs into interest-free monthly payments.

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.


Enter your reg and postcode to start your application.

What’s your vehicle reg?

What’s your postcode?

Our most popular partners in Cardiff

Why Bumper?

It's quick and easy with Bumper to split the cost of your repairs.

Fix it.

Split it.


There’s a new supergroup in town – and it’s called Bumper! If you’re searching for a car repair or MOT garage in Liverpool, you can get by with a little help from your friends at Bumper. We offer interest-free payments with our partner garages, which you repay over several instalments. We work with a wide range of partners in the area. So, whether you need bodywork in Bootle or service in Sefton, there’s an approved garage nearby. Simply enter your car reg and postcode, and we’ll show you where they are.

Bumper has allowed me to spread the cost of an unexpected and expensive car bill, interest-free, over 3 months. Another option was to pay a deposit and spread the balance over 5 months, interest-free. This interest-free option was essential for me to be able to afford to have this work done and so far so good, first payment went out today, with no issues.

Jardine Audi Liverpool customer

Benefits of using Bumper for your next repair

No fees. No interest. No worries.


Choose a Bumper approved partner.

Enter your reg & postcode, and we’ll match you with trusted parters for your make of vehicle for your service or repair.


Quick and simple online approval

Apply for a Credit Limit of up to £5,000 in under 60 seconds, receive a Bumper code once accepted, and book an appointment at your garage of choice.


Spread the cost, interest-free

Once the repair has been sorted, present your Bumper code, then choose how many months to spread the cost over. Repay online, anytime.

You must be certain you can meet all payments. A one-off missed payment fee (£12) may be charged. Missed payments may impact your credit score and your ability to borrow in the future. Recovering missed payments may involve using a debt collection agency, or legal action. PayLater is a form of credit not regulated by the FCA.

Calculate your payments

You’re in charge of how you manage your repayments. Give our calculator a try to find out how it could work for you. Select a total amount, and it will show you how much you pay back each month, depending on the number of instalments you decide on.

With Bumper you can:

Get up to a £5,000 credit limit

Flexible structure where you choose up to 6 payments to suit your financial situation

Delay your first payment by up to 40 days, giving you time to manage your budget.

How much?



PayLater in 4 interest-free instalments



Today, Deposit



in 30 days



in 60 days



in 90 days

Total repayable


Interest & Fees


This calculator is for illustrative purposes, and the maximum number of months and the initial deposit required will depend on the service partner selected.