Car ownership brings the inevitability of repairs, and unexpected bills can be financially crippling when they arrive without warning. Here’s how to finance car repairs in the UK when you can’t cover the cost upfront.
How Much Do Car Repairs Typically Cost?
According to RAC data, the average cost of a car repair visit in the UK is around £272, though major repairs such as gearbox or engine work can run into the thousands. With around 40 percent of UK adults holding less than £100 in savings, financing options become essential for many drivers facing a sudden bill.
Car Repair Financing Options
Garage Payment Plans
Many garages now offer point-of-sale finance, letting you spread the cost of repairs over 3 to 9 month instalment plans, often at 0% interest for shorter terms. This has become increasingly common, letting drivers authorise work without finding the full amount upfront.
Personal Loans
A personal loan provides a lump sum to cover repairs, repaid in fixed monthly instalments. Rates typically range from 6% to 36% APR depending on your credit score, and shopping around across multiple lenders is essential to find the best rate.
Credit Cards
A credit card offers flexibility, particularly a 0% purchase card, but interest rates climb quickly if the balance isn’t cleared before the promotional period ends.
Manufacturer or Dealer Finance
Some manufacturers and dealers offer financing plans specifically for repairs, often with competitive rates for warranty or approved-service work.
Car Repair Finance Comparison
| Option | Typical Rate | Best For |
|---|---|---|
| Garage payment plan | 0% short-term | Smaller repairs, quick approval |
| Personal loan | 6-36% APR | Larger repairs, good credit |
| Credit card (0% purchase) | 0% promotional, then high | Short-term flexibility |
| Bad credit loan | Higher APR | Poor credit history |
Frequently Asked Questions
Can I get 0% finance for car repairs?
Yes, some garages and finance providers offer 0% interest plans for fixed short terms, though eligibility depends on your credit status and the provider’s criteria.
What’s the average cost of a car repair in the UK?
According to RAC data, the average car repair bill in the UK is around £272, though this varies significantly depending on the fault and vehicle type.
Related reading: comparing broader finance options? See our guide on how car finance works.
Written by the Apriliapartsbuyer editorial team, covering UK car finance and repair guides. This article is for general information only and is not financial advice.
