Warning: Late repayment can cause you serious money problems. For help visit moneyhelper.org.uk/en. We are a broker and not a lender. We don’t make lending decisions.

Car Repair Loans

Car repairs can be expensive and often come without warning. Whether it’s a failed MOT, a broken clutch, or unexpected damage, being without a working vehicle can seriously disrupt your day-to-day life—especially if you rely on it for work or family commitments. In situations like these, a car repair loan may offer a way to cover the cost quickly and spread the repayments over time.

Representative 79.9% APR Rates from 12.9% APR to 1721% APR. Representative 79.9%. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%.

At Sinch.co.uk, we’re a credit broker, not a lender. We work with a panel of FCA-authorised lenders to help you explore responsible borrowing options that are suited to your needs and financial circumstances.

What Is a Car Repair Loan?

A car repair loan is a type of personal loan used to cover the cost of fixing or maintaining your vehicle. These loans are usually short-term and unsecured, meaning you don’t need to provide your vehicle or any other asset as collateral. Loan amounts often range from £100 to £2,000, depending on what you need and what you can afford to repay.

These loans can help cover costs such as:

  • MOT failures
  • Replacement tyres or brakes
  • Engine or transmission repairs
  • Windscreen or bodywork damage
  • Emergency roadside repairs

Why Choose a Loan for Car Repairs?

If you don’t have enough savings and your vehicle is essential for daily life, a car repair loan can help you cover the cost quickly. Many lenders offer fast online applications, quick decisions, and same-day payouts, helping you get back on the road sooner.

Spreading the cost of repairs over a few months can make the expense more manageable, but only if the repayments are affordable within your budget.

Can You Get a Car Repair Loan with Bad Credit?

Yes, some lenders offer car repair loans to people with poor or limited credit histories. While having bad credit may impact the interest rate or the loan amount, you may still be eligible, provided you can demonstrate that you can afford the repayments.

All FCA-authorised lenders must carry out credit and affordability checks to ensure the loan is suitable. This protects you from borrowing more than you can reasonably afford to repay.

At Sinch.co.uk, we only work with lenders who follow these responsible practices and assess each application fairly.

How Do Repayments Work?

Car repair loans are typically repaid in fixed monthly instalments over a set period—usually between 3 and 12 months. Your loan agreement will outline:

  • The total amount repayable
  • Monthly repayment amounts
  • Any interest or fees
  • Your repayment schedule

Before accepting any loan offer, make sure the repayments fit within your monthly budget, and be aware of any charges for missed or late payments.

Things to Consider Before Applying

Before applying for a car repair loan, it’s important to consider:

  • Is the repair urgent and unavoidable?
  • Do I have any savings or other funding options available?
  • Can I afford the monthly repayments alongside other bills?
  • Have I compared lenders to find the best rate and terms?

Taking time to think through your decision can help you avoid additional financial pressure in the future.

Alternatives to Car Repair Loans

Depending on your circumstances, a loan may not be the only option. Alternatives could include:

  • Asking your mechanic for a payment plan or deferred payment
  • Using a 0% interest credit card, if the balance can be cleared in time
  • Borrowing from a credit union, which may offer affordable small loans
  • Seeking assistance from local councils or charities, if the repair is essential
  • Using an arranged overdraft, if it’s a lower-cost short-term option

Responsible Borrowing with Sinch.co.uk

Sinch.co.uk is a credit broker, not a lender. We do not charge you to use our service, and we never promote unregulated or unsafe lending. Every lender we work with is authorised and regulated by the Financial Conduct Authority (FCA).

This means they must provide clear, fair terms and carry out checks to ensure the loan is affordable and appropriate for your needs.

Final Thoughts

Car repairs can’t always be avoided, but how you manage them financially can make a big difference. If you need to borrow, make sure it’s necessary, affordable, and done through a responsible, regulated lender.

At Sinch.co.uk, we’re here to help you explore your options safely and clearly—so you can get your vehicle fixed and stay in control of your finances.