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Julia’s story

Julia has been drawing her pension for three years, and budgeting carefully has always been a part of her routine.&nbsp;&nbsp;However, the cost-of-living crisis made managing her finances increasingly difficult. When winter arrived, her fuel bills soared, and Julia found herself unable to keep up with the <a href="https://www.bumper.co/blog/how-to-reduce-car-running-costs">costs of running a car</a>.&nbsp;&nbsp;<figure class="image"><img src="https://bumper-blog-prod.s3.eu-west-1.amazonaws.com/julia_234dad66b9.jpg"></figure>&nbsp;<h3>How Bumper Helped</h3>&nbsp;Julia stumbled across Bumper using her local Toyota Agent. She found Bumper to be the ideal solution for keeping her on a level footing financially. The option to split the cost allowed her to continue with daily life without worrying about vehicle expenses.&nbsp;&nbsp;<h3 style="margin-left:0px;">Find a Local Bumper Partner Garage</h3>&nbsp;If you’re facing unexpected car repair costs, <a href="https://www.bumper.co/locations">search for a local Bumper partner garage on our website</a>.&nbsp;&nbsp;Search for a local Bumper partner garage and find out more about <a href="https://www.bumper.co/">0% pay monthly car repairs</a>.&nbsp;&nbsp;

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Paul’s story

Meet Paul, a dedicated single father of three energetic primary school-aged children. As the sole breadwinner, Paul has always had to budget carefully each month to keep up with the bills and ensure his kids have everything they need.&nbsp;&nbsp;Life as a single parent is challenging, but Paul has managed to juggle his responsibilities with resilience and a positive attitude.&nbsp;However, life threw Paul a curveball when he was hit with a series of unexpected, large bills.&nbsp;&nbsp;When Paul's car ran over a pot hole and resulted in a cracked wheel he knew it wouldn't pass its MOT without a replacement.&nbsp;&nbsp;Paul worried over what he was going to do next, as his careful budgeting didn't have any wiggle room for a large car repair bill.&nbsp;<h2>How Bumper Helped</h2>&nbsp;Luckily his local garage offered Bumper as a service, <a href="https://www.bumper.co/">interest-free repair finance</a> with the option to spread the payments over 3, 6 or 9 months.&nbsp;&nbsp;<figure class="image"><img src="https://bumper-blog-prod.s3.eu-west-1.amazonaws.com/paul_large_c7958e1963.png"></figure>&nbsp;Thanks to Bumper’s support, Paul was able to breathe easier, knowing he could&nbsp;meet his financial obligations without compromising his family’s well-being.&nbsp;<div class="raw-html-embed"><a href="https://www.bumper.co/find-a-partner"><button class="border rounded-full py-0.5 px-1 bg-accent border-tone-contrast w-auto">Find a service partner</button></a></div>&nbsp;<h3>Find a Local Bumper Partner Garage</h3>&nbsp;If you’re facing unexpected car repair costs, <a href="https://www.bumper.co/locations">search for a local Bumper partner garage on our website</a>.&nbsp;&nbsp;Search for a local <a href="https://www.bumper.co/">Bumper</a> partner garage and find out more about <a href="https://www.bumper.co/">0% car repair finance</a>.&nbsp;&nbsp;

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Emma’s story

Emma is currently on maternity leave, enjoying one of the most exciting periods of her life, adjusting to life as a new mum.&nbsp;&nbsp;However, being on maternity pay leaves things tighter in her household, which means bills that would normally be manageable are suddenly large causes of stress.&nbsp;&nbsp;When it came time for Emma's car to go for it's regular MOT and service, Emma was feeling worried.&nbsp;&nbsp;Luckily, Emma's friend told her about Bumper.&nbsp;&nbsp;Bumper's flexible payment alternative to <a href="https://www.bumper.co/">car repair loans</a>, allowed Emma to spread the payments over six easy installments, significantly reducing her financial pressure.&nbsp;&nbsp;<figure class="image"><img src="https://bumper-blog-prod.s3.eu-west-1.amazonaws.com/emma_mum_79c644303a.png"></figure>With Bumper, Emma was able to manage her expenses more effectively without the immediate burden of a lump sum payment.&nbsp;<h3>What Emma Said</h3>&nbsp;“You guys have honestly been amazing. I’m very grateful for your support as we didn’t think we would be in this position.”&nbsp;&nbsp;<h3>Find a Local Bumper Partner Garage</h3>&nbsp;If you’re facing unexpected car repair costs, <a href="https://www.bumper.co/locations">search for a local Bumper partner garage on our website</a>.&nbsp;&nbsp;Search for a local Bumper partner garage and <a href="https://www.bumper.co/">apply for 0% car repair finance</a>.&nbsp;&nbsp;<div class="raw-html-embed"><a href="https://www.bumper.co/find-a-partner"><button class="border rounded-full py-0.5 px-1 bg-accent border-tone-contrast w-auto">Find a service partner</button></a></div>

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Stefan

Stefan’s story

Stefan is a computer science student working part-time to help fund his studies. He needs his car to balance his busy schedule and get him between uni and his job on time.&nbsp;&nbsp;When his car wouldn't start one day on the way to work, Stefan knew it was something serious.&nbsp;&nbsp;After taking it to the local garage, Stefan was faced with a <a href="https://www.bumper.co/blog/car-battery-replacement-cost-uk">large car battery replacement bill</a>. He couldn't afford the upfront cost but needed his car to get to work to make money. Stefan was stuck in a catch-22 situation.&nbsp;&nbsp;<h2>How Bumper Helped</h2>&nbsp;His local mechanic knew to offer Bumper as an <a href="https://www.bumper.co/">interest-free car repair finance solution</a>, allowing Stefan to split the bill over monthly instalments.&nbsp;&nbsp;A soft-credit check was performed and Stefan's full-bill was covered with Bumper!&nbsp;<figure class="image"><img src="https://bumper-blog-prod.s3.eu-west-1.amazonaws.com/Untitled_design_e49e26ff47.png" alt="stephan bumper"></figure>&nbsp;<h2 style="margin-left:0px;">Find a Local Bumper Partner Garage</h2>&nbsp;If you’re facing unexpected car repair costs, <a href="https://www.bumper.co/locations">search for a local Bumper partner garage on our website</a>.&nbsp;&nbsp;Search for a local Bumper partner garage and get started with <a href="https://www.bumper.co/">pay monthly car repairs</a>.&nbsp;&nbsp;

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If you’re in financial difficulty we’re here to help.&nbsp;At Bumper, we understand the need to keep your car on the road to get you&nbsp;and your family from A to B. We also understand that sometimes, a little extra&nbsp;help is needed in times of financial stress.&nbsp;If you’re finding it difficult to stay on top of your finances know that you’re&nbsp;not alone. We’ve compiled some stories of real people we've helped with flexible <a href="https://www.bumper.co/">car repair finance</a> options. Their&nbsp;names have been changed to protect their identities.

Money worries?

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Bumper is here to help with any money worries. Find out how Bumper can help if you're worrying that you will miss a Bumper repayment.

Help With Your Money Worries

<h2 style="margin-left:0px;">Other ways you can get help with your money worries</h2>&nbsp;<a href="https://www.stepchange.org/" target="_blank" rel="noopener noreferrer">stepchange.or</a>g - the UK’s largest provider of free independent debt advice and managed solutions&nbsp;<a href="https://www.nationaldebtline.org/" target="_blank" rel="noopener noreferrer">nationaldebtline.or</a>g - offering free and independent debt advice over the phone and online&nbsp;<a href="https://themoneycharity.org.uk/" target="_blank" rel="noopener noreferrer">themoneycharity.org.uk</a> - working to empower people across the UK to develop the skills and behaviours to make the most of their money&nbsp;<a href="https://www.entitledto.co.uk/" target="_blank" rel="noopener noreferrer">entitledto.co.uk</a> - a free, online benefits calculator, that helps individuals calculate and understand the benefits they are entitled to&nbsp;Or contact <a href="https://www.citizensadvice.org.uk/" target="_blank" rel="noopener noreferrer">citizensadvice.org.uk</a> for a full list of local financial advisors and debt counsellors

Our support team are here to listen, understand and advise you on how to seek help to manage your finances.&nbsp; Speak to our friendly support team on the phone, via live chat or by email.

Julia – helping pensioners with the cost-of-living crisis

How Bumper Helped

Find a Local Bumper Partner Garage

Need some help or advice?

Other ways you can get help with your money worries

Questions?

Julia – helping pensioners with the cost-of-living crisis

How Bumper Helped

Find a Local Bumper Partner Garage

Need some help or advice?

Other ways you can get help with your money worries

Questions?

What can my PayLater be used for?

What if I am not accepted for a PayLater?

What happens if I can’t make my repayments?

What is a temporary repayment arrangement?

What is a new repayment arrangement?

What affect does a repayment arrangement have on my credit file?

Who do I contact to discuss my PayLater?

How do I contact Bumper?

Can I apply for more than one PayLater?