Car repair loans. Back on the road.

A car repair loan can cover a wide range of vehicle repair costs, including engine repairs, transmission work, brake replacements, tyre changes, electrical fixes, WOF-related repairs, and more. If it's getting your car back on the road, there's a good chance a car repair loan can help.

A car repair loan is a type of personal loan used specifically for vehicle repair costs. The structure is the same - you borrow a set amount and repay it over time with interest - but the purpose is focused on getting your vehicle back on the road. Because it's a personal loan, it isn't secured against your car.

The amount you can borrow depends on your income, credit history, and the overall cost of the repairs needed. Loan amounts are tailored to your situation and borrowing capacity. Subject to lender criteria and approval.

It helps to have a rough estimate or a quote from your mechanic before applying, as this guides the loan amount you request. You can apply with an estimate and adjust once you have a confirmed quote.

Loan terms usually range from one to five years, depending on how much you borrow and how you'd like to structure your repayments. A shorter term means less interest overall, while a longer term lowers the repayments but usually costs more in total.

Your rate is personalised. It's based on things like your credit history, your financial position, and the loan details. You can see the current rate range in the Loan Information section below, and use the calculator to get a feel for repayments (a guide only until we assess your application).

Car repair loans usually have an establishment fee and an introducer fee. Some lenders also charge ongoing account fees. We'll spell out every fee before you go ahead, so there are no surprises. Full fee details, including a worked example, are in the Loan Information section below and in your loan contract.

We work with lenders who assess your full financial picture, not just your credit score. A steady income and being able to comfortably afford the repayments can make a difference. Rates may be higher for lower credit profiles, and it's never guaranteed, but getting started and keeping up with repayments can also help rebuild your credit over time. All lending is subject to eligibility, lender criteria, and approval.

Yes - being self-employed doesn't rule you out. Lenders will usually want to see proof of income, like bank statements or financial records, to understand what you can comfortably repay. We'll let you know what's needed.

We know that when your car's out of action, you want to get things sorted. You apply online and provide a few documents, then we assess your situation and work to match you with a suitable lender from our panel. Timeframes vary with the lender and how complex your application is, but with everything in, some approvals come through the same day. Once you're approved and signed, funds are often available the same or next day. Approval is subject to meeting lending criteria, and an affordability test applies.

When you start an application, we run a soft credit check to size up your options - and a soft check doesn't affect your credit score. It's only if you go ahead with a lender, and they run a full credit check, that it's recorded on your credit file and may affect your score. Applying with several providers can mean several checks.

Yes, in most cases you can make early or lump-sum repayments, which can reduce the total interest you pay. Some lenders charge an early repayment fee, so it's worth checking your loan contract before you go ahead.

Get in touch with your lender as soon as you can - the earlier the better. Missing a repayment may mean fees and could affect your credit score, so keeping the lines open is the most important thing. Lenders can often work something out if they know early.