Car Repairs

Young driver delaying car repairs while checking a broken-down vehicle, concerned about car repair costs.

Why Are Young Driver Repairs Being Delayed?

Why Are Young Driver Repairs Being Delayed? 1200 628 Payment Assist Blog

Skipping a service or repair can feel like a quick win when money is tight. Plenty of drivers, especially younger ones, see it as a way to save in the moment, but breaking down the long-term numbers tells a very different story. If a driver chooses to put off a job today, it means that it’s likely to cost them far more down the line.

It’s a common problem, too, with estimates that 1.3 million UK motorists are driving without an up-to-date car service. Over a third of people in their mid-twenties to early thirties also admit to skipping a service. That figure drops to roughly 1 in 7 in drivers over the age of 65. But why are young drivers delaying car repairs, and how can they avoid them?

What’s Driving the Delay in Young Driver Repairs?

When you look into the data, the same three reasons for delaying car repairs crop up time and again.

Car Repair Costs

This is by far the biggest factor. Most young people don’t have a car repair fund to dip into for preventative maintenance, which leads to them risking it by pushing back a service or so-called ‘amber work.’ This is an area where flexible car repair finance solutions like Payment Assist can make a huge difference. Find out more here.

Hassle & Inconvenience

RAC polling found that over a quarter of drivers say servicing and repairs are too much of a faff. It means losing your car for a day or two, and organising alternative transport to work or uni, as well as potentially rearranging childcare.

Lack of Understanding

MOT rules have changed of late, and plenty of young drivers admit that they’re not sure what needs doing and when. Some wait until the dashboard lights up or the car fails an MOT before sorting anything. By then, a small job has often turned into a big one.

Mechanic discussing car servicing and young driver repairs with a female driver in the garage.

What Happens When You Delay Car Repairs?

A car doesn’t fix itself. Miss out on car servicing or ignore a minor fault, and you’ll usually end up with something much worse. Tyres are a good case in point here, and it’s an even more prominent issue as Britain’s pothole problem continues to worsen.

Only 39% of UK drivers know the legal tread depth (which is 1.6mm), and over 2 million MOT failures happen every year because of tyre defects, which makes them the most common reason for failure in the UK. Half of these are classified as dangerous.

To counteract this, TyreSafe launched a young driver campaign to raise awareness of the issue. They’ve highlighted some important key messages, like the fact that just two illegal tyres can bring a six-point penalty loss and a huge fine. For younger motorists, this can mean starting again from scratch.

TyreSafe are also encouraging people to look out for early warning signs like low tread or poor inflation. The aim is to give drivers, parents, schools, and instructors the tools to build safer habits and avoid high car repair costs and legal penalties.

How Young Drivers Can Stop Car Repair Costs Escalating

As we’ve already mentioned, nipping any minor jobs and car servicing in the bud is crucial. Beyond that, there are some easy regular checks that motorists can do to minimise the chance of expenses snowballing.

TyreSafe recommends the ACT check for tyres (that’s: Air pressure, Condition, and Tread). Try to do it once a month, or whenever you fuel up. It takes a minute or two, and can prevent an MOT failure or worse.

There are also online MOT reminders that drop you a text or email to stop you forgetting your MOT date. Then, once your car’s being checked, it’s important to listen to the advisories. If your mechanic flags something with you, deal with it sooner rather than later if you want to save money in the long run.

Driver carrying out car servicing by inspecting tyre condition and tread wear at home.

A Quick Checklist for Younger Drivers

  • Don’t skip regular car servicing, even if money feels tight.
  • Watch for small faults and sort them early.
  • Do the ACT check on your tyres once a month.
  • Use MOT reminders and don’t ignore advisories.
  • Ask garages about collection or mobile services to avoid hassle.
  • If you can’t afford a bill, split the cost with car repair finance.

Need to Spread Your Car Repair Costs Without Delaying?

Young driver repairs don’t need to knock you off the road. With Payment Assist, you can split car repair costs into monthly instalments. The first payment is made at the garage when the work’s done, and the rest are split with no interest, set-up fees, or catches.

Our platform is helping people with repairs and car servicing across the UK; it’s already in use at thousands of trusted garages. Use our merchant finder to locate your nearest garage offering Payment Assist, and get essential work done straight away without the financial strain. If you’ve got any questions, feel free to get in touch with our team today.

FAQs

How often should I book car servicing in the UK?

Every 12 months or 12,000 miles is the rule of thumb, whichever comes first.

Are young driver repairs usually more expensive?

Not always, but newer drivers can face higher car repair costs if they buy older cars that need extra care.

Can delaying car repairs affect resale value?

Yes, missing service history or visible wear will lower the price when selling or part-exchanging your car.

How do I know if my car needs repairing?

Unusual noises, dashboard warnings, vibrations, or changes in handling often point to underlying problems.

Banner promoting young driver repair finance and affordable car repair costs with Payment Assist.

Further Reading

Classic cream car with open boot in a workshop, showing the impact of car repairs on the lifespan of a car, particularly for older vehicles facing higher maintenance needs.

Handling Car Repair Bills on Older Vehicles

Handling Car Repair Bills on Older Vehicles 1200 628 Payment Assist Blog

In the UK, people are hanging on to their cars longer than ever. The average lifespan of a car on British roads has reached nearly ten years, the highest figure on record. A decade ago, cars were usually sold or scrapped at about seven and a half years old.

Firstly, generally speaking, modern cars are more reliable. If you keep on top of your car’s maintenance, a modern engine can rack up well over 100,000 miles without giving in. The biggest driver, though, is likely the cost of living. When viewed as a proportion of income, new car prices have increased year on year. With the added pressure of higher household bills, many drivers just can’t justify the cost of replacing a working car.

Keeping a car for longer can be the right move for your pocket, particularly in the short term, but there are definitely challenges that come with it. Older cars have a higher risk of breakdowns, and the car repair costs grow, too. So, what are the best ways to manage the cost of repairs on older cars?

Why Older Cars Stay on the Road

There are a few reasons for this. Firstly, generally speaking, modern cars are more reliable. These days, they’re built with better technology and last longer than they used to. Engines are more reliable, bodywork tends to hold up better, and safety systems are much tougher. This means that drivers see less reason to sell or scrap a vehicle if it’s still running well.

The biggest driver, though, is likely the cost of living.

The biggest driver, though, is likely the cost of living. When viewed as a proportion of income, new car prices have increased year on year. With the added pressure of higher household bills, many drivers just can’t justify the cost of replacing a working car.

Close-up of a person using a laptop beside car keys and a toy car, representing the rising cost of living and financial pressures of car repairs and how budgeting affects the lifespan of a car.

There’s also hesitation over electric cars.

The government has shifted its plans for banning petrol and diesel sales more than once. Until there’s some level of clarity and consistency, drivers are more likely to hang on to their petrol or diesel cars rather than spend heavily on something new.

What’s the Financial Reality of Older Cars?

Older cars can be a pretty good deal if you’re not tied into finance payments, but car repair costs are an unavoidable part of ownership. Around six in ten UK drivers faced an unexpected repair in the past year, and the average bill comes in at just over £600. For a lot of households, that’s a big hit.

Younger drivers in particular struggle.

Almost half of under-25s say they would find it hard to pay a £500 repair bill. Some drivers have also admitted to skipping services or delaying essential jobs because of cost. The problem here is that small issues quickly snowball. Driving on bald tyres or ignoring brake warning lights might save money in the short term, but it almost always leads to a bigger bill later.

The reality is that as the lifespan of a car stretches, the likelihood of costly car repairs rises. The common jobs for nine to ten-year-old cars are often expensive, too, things like replacing brakes, tyres, batteries, exhaust systems, and suspension parts. More serious failures, like clutch or gearbox problems, can easily push bills over £1,000.

Try to Stay Ahead of Maintenance

The best way to manage costs on an older vehicle is to do your best to stay ahead of problems. Keeping up with car maintenance means that, most of the time, you can avoid the worst breakdowns. Regular servicing really helps here. If you keep to the service schedule, mechanics can catch minor issues before they become disasters.

Mechanic comparing worn and new brake pads during car maintenance, highlighting how regular servicing extends the lifespan of a car and reduces unexpected car repairs.

Even if money is tight, do your absolute best not to ignore MOT advisories. These are flagged for a reason, and acting on them as soon as possible is safer and cheaper than letting them fail completely.

Want to Extend the Lifespan of your Car? Flexible Car Repair Finance Can Help.

Not every driver has spare cash tucked away, and sometimes repairs come at the worst possible moment. That’s where 0% car repair finance services like Payment Assist can make the difference. It’s designed for drivers who need their cars back on the road straight away but can’t afford the upfront cost all at once.

We know how tough unexpected repair bills can be, especially with the rising cost of living. Our platform helps you to split the bill into interest-free payments so you can get your car repairs sorted early, before they spiral into more expensive issues that might impact the lifespan of your car. There are no fees or hidden charges, and most plans don’t even require a credit check.

With thousands of garages across the UK offering Payment Assist, it’s easy to find a merchant near you. You can learn more about what we offer here or get in touch with any questions.

FAQs

Do older cars fail MOTs more often?

Yes. Numbers from the DVA show that cars over ten years old are much more likely to fail an MOT, mainly failing on areas like brakes, tyres, suspension, or emissions.

Is fuel efficiency worse as a car ages?

It can be. Engines and components wear over time, so efficiency can drop. Keeping up with servicing and part replacements can help you maintain good fuel efficiency.

Are older cars reliable for long trips?

Yes, but (like any car) they’ve got to be well maintained. Lots of drivers take older cars on long motorway runs without issues, but a pre-trip check of tyres, fluids, and brakes is recommended before covering high mileage.

What’s the most expensive repair job on older cars?

Gearbox and engine rebuild are usually at the top of the list. Sometimes they can run into thousands of pounds. Without flexible car repair finance, these costs can be really difficult to manage.

Banner image reading “Want to cut car repairs while extending the lifespan of a car?”, linking cost of living pressures to smarter car maintenance choices.

Further Reading

Close-up of a mechanic using a ratchet tool on an engine, showing engine repairs as one of the most common car repairs that adds to the overall cost of car repairs.

Common Car Repairs Ranked by Cost

Common Car Repairs Ranked by Cost 1200 628 Payment Assist Blog

When something goes wrong with your car, the bill is what really matters. Knowing which jobs sit at the top end of the scale, and which are more common car repairs, is a good way to prepare for the unexpected. It also helps to establish where car repair finance can take the sting out of costs when they land at the worst possible time.

1. Engine Repairs

Nothing makes a driver wince quite like engine repairs. A complete engine replacement is one of the most expensive fixes on the road. For a standard family car, you could be looking at £1,500-£5,000. In many cases, the cost of car repairs at that level outweighs the value of the vehicle itself. Some owners choose to scrap or sell rather than pay out, but that’s not always an option if you need a working car quickly.

Head gasket issues also fall under engine repairs that hit the wallet hard. Replacing a blown gasket costs £662 on average, but in theory it can stretch much higher depending on the car. It’s one of those problems that can escalate really easily if ignored, too, often leading to full engine failure. Spotting the early signs of overheating or loss of power and sorting it quickly can save a fortune.

Mechanic leaning over a car engine in a workshop, carrying out engine repairs that highlight the growing cost of car repairs and the value of car repair finance options.

2. Electric Car Repair Jobs

Drivers making the switch to electric are saving money on fuel and routine servicing, but the increased cost of repairs is something to keep an eye on. The traction battery is the single most expensive part in an EV. Replacing one averages about £7,200, which is eye-watering. The good news is that these batteries are built to last for years. The bad news is that if one does fail outside warranty, the bill is huge.

3. Transmission & Clutch Repairs

Gearboxes are high on the list of expensive jobs. Manual gearboxes usually cost somewhere between £500 and £2,500 to repair or replace. Automatic gearboxes tend to be more complex, so the price can easily run to £5,000 for certain makes. Regular servicing and driving smoothly can extend gearbox life, but when one fails, the cost of the car repair is usually high.

Clutches are another repair that often crosses into four-figure territory. The average clutch replacement in the UK is anywhere between £500 and £1000. If the flywheel is damaged as well (which isn’t uncommon), the bill rises further. For city drivers constantly in stop-start traffic, clutch wear comes sooner and makes this one of the more common car repairs people need over a car’s lifespan.

4. Catalytic Converters & Fuel Systems

Catalytic converters are built with precious metals, which makes them really expensive to replace. A failed or stolen unit can cost up to £900. Rising theft rates in some regions add to this risk. Keeping your car parked in well-lit or secure spots helps, but if you are unlucky enough to need a replacement (and it’s not covered by your insurance), then it’s a serious hit to the wallet.

Mechanic wearing gloves working under a vehicle to repair a catalytic converter, one of the common car repairs that can drive up the cost of car repairs without proper car repair finance support.

Fuel injectors can also rack up car repair costs.

They can cost up to £350 per injector. As modern engines rely on precise fuel delivery, even one faulty injector can cause major running issues, so garages often recommend replacing them all together. Using decent quality fuel and servicing the system can stretch their lifespan.

5. Mid-Range, but Still Painful

Not all jobs run into the thousands, but even repairs in the hundreds can come as an unpleasant surprise.

Alternators

The unit that charges your battery and powers electrics often costs £150 to £300 to replace. In rare cases, premium cars can climb towards £1,000.

Starter motors

When they fail, a replacement usually sits around £200. Not the worst bill, but still one of those that often comes out of the blue.

Suspension parts

Replacing a pair of coil springs might cost about £225. Shock absorbers can be in a similar range. These are safety-critical, so delaying them is never a smart move.

Mechanic adjusting a car’s suspension system with a bright blue spring, representing common car repairs that impact driving safety and contribute to the cost of car repairs.

6. Lower-cost Common Car Repairs

Plenty of jobs come in at the lower end of the scale. These repairs are often classed as wear and tear, so while they happen more regularly, they can be easier to manage.

Brake pads

Replacing front pads usually costs around £127, with rears about £121. That means roughly £250 for a full set. Discs usually cost more.

Batteries

Standard 12V batteries in petrol and diesel cars cost £50 to £150 for most models. They are straightforward to fit, and many garages will swap one in minutes.

Bulbs and fuses

Headlight bulbs can cost as little as £21 to replace, and fuses even less. These are the cheapest fixes most drivers will ever face.

Wiper blades

Often around the £10 mark, they are easy to change yourself and keep visibility clear.

Struggling with the Cost of Car Repairs? Try Our 0% Car Repair Finance.

That’s where Payment Assist steps in. We make car repair finance simple. You can split your bill into monthly payments to remove the pressure of that huge, up-front bill. It’s interest-free and there aren’t any hidden costs or minimum spends. That means you can use Payment Assist for common car repairs like brake pads or bulbs, as well as for big engine repairs or gearbox failures.

Our solution is already in use with garages and dealerships across the UK. If you want to see how it could help you handle the cost of your car repairs, find a merchant near you today. Or, for more information, get in touch with our team here.

FAQs

How do I know if the cost of a car repair is fair?

Get at least two quotes from different garages, or check online guides like the RAC or Which? for average repair costs.

Why does the cost of a car repair vary so much between garages?

Labour rates, parts quality, and the type of garage all make a difference. City garages often charge more due to higher overheads.

Do electric cars cost less to service overall?

Yes, in general. EVs tend to have fewer moving parts, so routine servicing is cheaper. That said, when something major does go wrong, the cost of the car repair can be much higher than with petrol or diesel cars.

What should I do if I can’t afford an urgent car repair?

The best option is to find a garage that offers flexible financing like Payment Assist. That way, you can get 0% interest finance and split the cost of your car repair into instalments without hidden fees.

Banner image reading “Looking for support with the cost of car repairs on common jobs?”, highlighting how car repair finance can help with engine repairs and other common car repairs.

Further Reading

and holding a smartphone showing a successful payment screen, illustrating interest-free car repair finance through BNPL services.

Payment Assist Partners with Purchase Direct to Bring Interest-Free Car Repair Finance to Millions

Payment Assist Partners with Purchase Direct to Bring Interest-Free Car Repair Finance to Millions 1200 628 Payment Assist Blog

Payment Assist can now announce a partnership with procurement group Purchase Direct to deliver a Buy Now, Pay Later (BNPL) solution across the UK’s franchised dealer network. This collaboration makes it easier for drivers to spread the cost of their repairs with zero fees and interest-free monthly payments, which simplifies transactions.

It’s a partnership that’s mutually beneficial. Dealerships benefit from a greater level of operational efficiency, and drivers get an easier way to manage the cost of keeping their car roadworthy.

Why it Matters for Car Dealerships

Dealers are set to gain a lot from the partnership. Unexpected repairs are often where customers hesitate to go ahead, and if repair centres are able to offer flexible payment terms delivered through a simple platform, they can increase amber work conversion and boost retention.

Because the Payment Assist system plugs straight into Purchase Direct’s payment platform, it also enhances transaction reporting. Businesses can expect to see a reduction in the time spent chasing payments, which reduces administrative burden and improves operational efficiency.

Mechanic inspecting the underside of a car in a workshop, highlighting the cost of car repairs and flexible BNPL payments.

Why This Matters For Drivers

Unexpected repairs are a financial burden on drivers across the UK. Often, such repairs can be highlighted during routine checks like MOTs, presenting motorists with a bill they hadn’t been able to budget for. For jobs like brakes, tyres, and suspension, immediate attention is usually required, which makes access to interest-free car repair finance crucial.

It is in this context that partnering with a procurement group like Purchase Direct makes a tangible difference. Instead of being met with the total repair cost up front, drivers can now spread the cost of car repairs across monthly payments with no added fees or hidden interest. It provides a simple, transparent solution that ensures drivers do not have to choose between road safety and affordability.

Purchase Direct’s simple, ergonomic payment platform already supports almost two-thirds of the franchised dealer network, so the flexible payment option is directly available at the point of payment. The process is simple to use, offering motorists a clear box-tick to choose monthly payments instead of a single bill.

Driver holding the steering wheel inside a car, representing buy now, pay later (BNPL) flexibility for motoring costs.

Voices From The Partnership

“Adding Payment Assist technology to our dealer platform is an important step forward. Consistent growth in the BNPL sector shows there is customer demand, and dealer interest is high, thanks to the promise of increased revenue. Ultimately, it’s the driver that benefits most, with affordable monthly payments making it easy to keep their vehicle to the highest standard on the road, so we’re delighted to be working with Payment Assist.” – Sharon Landau, project manager at Purchase Direct.

“Our partnership with Purchase Direct is hugely beneficial in all areas. Adding our BNPL offering to their payment platform will make it easier for customers to pay and for garages to get paid. Minimised up-front costs for drivers, thanks to our flexible, interest-free payments, is a valuable benefit for Purchase Direct customers, and we are excited to bring Payment Assist’s products to such a wide audience.” ­– Marcus Gregory, CEO of Payment Assist

 “This collaboration represents a major milestone in our growth strategy. Purchase Direct’s reach across the franchised dealer sector, combined with our trusted finance solution, creates a powerful proposition for the market. We know from experience how valuable the right payment options can be — for drivers and for dealers.” – Chris Masters, Chief Commercial Officer at Payment Assist.

Need Interest-Free Payments That Work For You?

At Payment Assist, we are proud to be a leading provider of interest-free finance for automotive repairs and servicing. We work with garages, dealerships, and service providers across the country to make it easier for customers to afford the work they need. Our zero-interest, fee-free monthly payment plans remove the pressure of upfront repair bills, helping drivers spread the cost fairly and responsibly. For dealers and garages, our solutions boost conversion rates, retention, and revenue.

If you want to know more about how Payment Assist can support your business, or if you are a driver looking for garages that offer our plans, please contact us today.

FAQ

What does Buy Now, Pay Later mean in car servicing?

It allows drivers to spread the cost of car repairs or servicing into monthly instalments rather than paying everything up front.

Do BNPL options affect credit scores?

We simply check that your card has adequate funds to pay the initial deposit and that your address matches. There is no footprint left on your credit status.

Is it safe for garages to use BNPL solutions?

Yes. Approved BNPL providers handle the payment process securely and ensure garages get paid quickly, reducing financial risk.

Why are more industries moving to BNPL?

Customers prefer manageable monthly payments. It boosts sales and makes services more accessible.

Can BNPL work for emergency repairs?

BNPL is often most helpful in unexpected situations, allowing repairs to be carried out immediately while payments are spread over time.

Graphic with text asking about a BNPL solution for drivers and dealerships, linking to interest-free car repair finance options.

Further Reading

Calculator displaying the word flexibility to highlight the benefits of flexible finance options.

Why UK Companies are Turning to Flexible Business Finance

Why UK Companies are Turning to Flexible Business Finance 1200 628 Payment Assist Blog

Rising costs, fluctuating demand, and tighter margins mean that companies are having to totally rethink the ways in which they fund growth and manage day-to-day operations. More and more are choosing business finance as a tool to stay agile; among them, flexible finance options are proving the most popular.

Rather than relying on one type of borrowing, businesses are tending to spread the risk. This essentially gives them more breathing space, with various finance options handing them the chance to bridge gaps or seize new opportunities. It’s not just large firms making these moves, either. Small businesses are finding that a tailored approach to finance makes it easier to manage cash flow without missing out on investment opportunities.

Why are Flexible Finance Options on the Rise?

Traditional lending can be rigid, and fixed repayment schedules and lengthy approval processes can tie companies down. Flexible finance allows your business to scale borrowing in line with demand. It might mean short-term support that gives the capacity to cover seasonal fluctuations or longer arrangements to back major projects.

The attraction is simple, really; players across markets want certainty without having to sacrifice on agility. A long approval cycle for a bank loan can delay projects, but a quicker route through specialist providers can free up cash when it’s needed most. The global financial situation is uncertain, too, so speed and flexibility are becoming essential.

You Have to Manage Your Cash Flow

No matter the size or sector, being able to manage cash flow is as critical as ever. Late payments, unexpected costs, or an unexpected rise in overheads drain your reserves quickly. Even businesses that might look profitable on paper can find themselves squeezed if cash isn’t available at the right time.

Chalkboard diagram showing cash flow management with financing, investing and operating activities for business finance options.

Business finance helps bridge those gaps.

Rather than dipping into savings or holding back on growth plans, companies can get hold of working capital and spread costs. For many, this isn’t about taking on debt unnecessarily but more about smoothing out the bumps so that day-to-day operations aren’t disrupted.

With flexible finance options in place, businesses can pay suppliers on time, cover wages, and invest in stock without waiting for invoices to clear. That stability keeps teams moving forward and avoids the stress of constant firefighting.

Adapting to Market Shifts

Uncertainty has become part of business life, mainly because of supply chain issues, inflation, and customer demand. These shifts have made long-term planning more complicated. In turn, this has created a stronger demand for finance that can be adapted quickly.

A fixed facility might still work for some, but many companies want the ability to increase or decrease their finance depending on what’s happening in the market. That flexibility is especially useful for industries with peaks and troughs throughout the year, like hospitality, for example.

Supporting Growth Plans

Growth often means upfront investment. Hiring staff, upgrading technology, and expanding premises; all of it puts pressure on your finances. Funding these plans entirely from cash reserves just isn’t realistic for many companies.

With flexible finance options, you can break down these investments into manageable payments. This makes it easier to commit to new projects without overstretching. Instead of pausing plans until reserves are built up, use business lending options to grow when the time is right for you.

There’s also a competitive advantage here.

Businesses that act with speed and decisiveness to secure opportunities are much more likely to gain the upper hand. With access to suitable finance options, they can launch products, expand into new markets, or secure contracts while rivals are still arranging funding.

Business professionals shaking hands over financial documents after agreeing flexible business finance options.

Building Financial Resilience

As we’ve discussed, global finances are far from reliable, which is why financial resilience has become so important.  Having a single, dependable business finance arrangement that adapts to circumstances reduces the risk of being caught off guard by sudden changes.

Instead of being exposed to cash flow pressures or forced to pause investment, you can continue operating with confidence, and be confident that your finance is working alongside them rather than against them.

This adaptability means that even when unexpected challenges arise, the same facility can still provide the support required. By using flexible finance options in this way, you’re better positioned to manage your cash flow and maintain growth, without having to juggle multiple arrangements from different loan providers.

Get Flexible Finance Solutions with Payment Assist

At Payment Assist, we support businesses across the UK with a range of flexible finance options designed to make funding straightforward and adaptable. Our business lending division focuses on giving you practical ways to manage cash flow and access business finance when you need it the most. To find out more about how our flexible finance options can support you, get in touch with us today.

FAQs

What is the difference between a loan and flexible finance?

A loan usually comes with fixed terms, but flexible finance can adapt repayments to fit the way your business earns and spends money.

Can flexible finance support short-term needs?

Yes. It can be used to cover temporary costs as well as long-term investments, so it can help your business stay stable during busy or quiet periods.

Does flexible finance always mean higher costs?

No, not necessarily. In many cases, spreading payments makes investment more manageable without significantly increasing the total amount paid.

Why do businesses choose finance instead of using cash reserves?

Paying upfront can reduce working capital and limit flexibility. Finance allows businesses to spread costs while keeping reserves available for other needs.

Is flexible finance only for larger investments?

No. It can be used for both small and large expenses, depending on what best suits the company’s plans.

Business finance advert with call to action asking about funding expansion through flexible finance options.

Further Reading

Mechanic holding car engine parts and a calculator, representing increasing car repair costs.

Managing Increasing Car Repair Costs for Your Customers

Managing Increasing Car Repair Costs for Your Customers 1200 628 Payment Assist Blog

No one likes to hear the words “it’s going to cost more than you expected.” But sadly, it’s starting to become the norm. Over the last few years, we’ve seen that car repair prices are climbing. Parts, as well as labour costs, supplier lead times, and even the basics like oil and brake fluid, have all crept up.

And when customers can’t cover the cost up front, it puts pressure on the whole process. Delayed approvals, abandoned jobs, and awkward conversations aren’t going to help your garage get the work out the door. But there are simple ways to make things easier, not just for your customers, but for your workshop and your bottom line.

Why Car Repairs Are Costing More

It’s not your imagination; things really are more expensive. There are a few reasons for that.

For starters, modern vehicles are more complex. That means you’ll be dealing with more diagnostics and more specialist parts, so you’re probably spending more time under the bonnet. At the same time, inflation has driven up costs across the board, from components to consumables.

Add in labour shortages, longer wait times for parts, and squeezed supplier margins, and it’s hardly a surprise that costs are going up. Unfortunately, it’s not likely that this is a temporary blip. Vehicles are going to continue to get more technical, and manufacturers will keep tightening specs. We can, therefore, expect higher prices for car repairs to stick around.

Crunching the numbers.

According to the Office for National Statistics, the maintenance of motor vehicles cost index rose by 6.8% in 2024. For context, general inflation was roughly half that, standing at 3.5% in April this year. Pothole-related repairs alone now cost UK drivers about £144 on average each year, and garages reported average labour-rate increases of 2.5% in 2024.

There’s a Knock-On Effect for Garages

Many customers either don’t or can’t budget for unexpected car repair costs. And when the cost jumps from a couple of hundred quid to over a grand, it’s understandable for people to get cold feet. That’s when they choose to put things off. They ask to think about it and say they’ll call back later. How many times does that end with no reply, no booking, no revenue? That wasted time ends up costing you.

Helping Customers Say Yes Sooner

The easier it is for someone to say yes, the faster the work gets done.

That’s why more garages are looking at ways to make car bills that little bit more manageable, especially when budgets are tight. One way to do that is by offering flexible ways to pay. Giving customers the option to spread the cost over a few months with a buy now, pay later package can be a massive helping hand. If someone can get the work done now without having to fork out for a huge bill, they’re much more likely to agree to the work there and then. That means faster approval and faster turnaround, too.

Mechanic handing car keys to customer in a red vehicle, representing buy now pay later car repairs

Do Rising Car Repair Costs Create an Opportunity?

Strangely, the answer could be yes. If you can find a way to make life easier for your customers, they’ll remember it. And in a market where trust is everything, that gives you the edge over competitors who are still expecting full payment up front.

Adding a buy now, pay later option is a powerful way of tapping into a business growth opportunity. More completed jobs, fewer abandoned quotes, better customer loyalty. It helps you turn a one-off visit into a long-term relationship.

And from a practical point of view, offering a flexible payment option shows you actually understand the reality most people are living in. Cost-of-living pressures are a real hurdle. Being the garage that gets the struggle? That could make a big difference.

Keeping the Workshop Flowing

Let’s face it, time is money. The longer a job sits waiting for customer approval, the more it clogs up your schedule. Offering a simple way to spread the cost keeps jobs moving. You’re not waiting for a payday or chasing phone calls. You’re just getting the work done.

And because these kinds of payment options are handled externally, there’s no risk you’re taking on. You aren’t acting as the lender, but you are making it easier for your customers, both new and old, to afford the repairs they need. It’s a win-win for everyone involved.

Mechanic lying on a creeper working underneath a vehicle in a garage, representing car repair garages offering buy now pay later options

Want to Help Your Customers with Increasing Car Repair Costs?

At Payment Assist, we help garages offer a smarter way to manage rising car repair costs. Our simple, interest-free buy now, pay later service means your customers can spread the cost with no hassle and no hidden fees.

We take care of the process, from approval to payment, so you can focus on the job at hand. There isn’t any risk, and there’s no upfront cost to your business. You just get a better way to get more work signed off, faster.

Sign up with Payment Assist today, or get in touch with us with any questions about how we can help you support your customers and grow your business.

FAQs

Can offering finance delay the car repair process?

Not if the approval is instant. With the right system in place, offering finance can actually speed things up by removing decision friction.

Is buy now, pay later a good fit for smaller car repair jobs?

It can be, especially if customers are juggling multiple costs. Even spreading a £250 job can make it easier for someone to commit.

How does offering payment options affect customer loyalty?

Customers who feel supported during stressful times are more likely to return, leave good reviews, and recommend your workshop to others.

Do customers need good credit to buy now, pay later?

At Payment Assist, we only check that the card has adequate funds to pay the initial deposit, and make sure the address registered to the Debit card matches. We very rarely carry out full credit checks.

Website banner reading “Looking to stay on the road without the shock of a single big bill?” with Payment Assist logo and red “Contact Us” button, promoting cost of car ownership finance options.

Further Reading

White toy SUV balanced on stacked coins with a jar spilling coins, representing cost of running a car and saving money.

Budgeting for the Total Cost of Running a Car

Budgeting for the Total Cost of Running a Car 1200 628 Payment Assist Blog

There’s more to running a car than filling up and driving off. Servicing, insurance, repairs, tyres; they all stack up. Skip the budgeting, and it’s only a matter of time before something stings.

According to the latest figures, the average cost of running a car in the UK is sitting around £3,350 a year. That’s before you even factor in things like surprise repairs or rising fuel prices. So, if you’re trying to get on top of your motoring costs, it’s not a bad time to take a closer look at what you’re really spending.

Here’s a breakdown of the big ones, and how to stay ahead of them without wrecking your bank balance.

Fuel and Insurance

Fuel is one of the most obvious ongoing expenses. Even if you’ve got a fuel-efficient motor, the price at the pump never stays still for long. A few pence here or there each week quickly becomes an extra £100 a year. There’s no simple fix for this, sadly. Shopping around isn’t a bad option, and services like PetrolPrices can help with this. Their interactive map is a handy way of quickly identifying the cheapest fuel close by.

Person refuelling a red car with green petrol pump nozzle, representing cost of running a car and fuel expenses.

As for insurance, annual quotes vary a lot depending on your age, postcode, driving history, and even your job title. Again, it pays to shop around every year and tweak your policy if you’ve made changes to your car or driving habits. Add in breakdown cover while you’re at it, too. It’s a small cost that can save you a big headache.

Servicing and Maintenance

Regular servicing has got more expensive recently, but it’s still one of the easiest ways to avoid unexpected bills. It’s a cost you need to account for. A basic service might only set you back £100–£150, but a full one could be closer to £300, depending on your car.

It’s also important to think about the parts that wear out over time. Tyres, brake pads, and batteries all have shelf lives. You might get a warning sign, or they might just fail one day. Having a buffer in your budget means you’re not scrambling when it happens.

If something does go wrong, a car repair payment plan can soften the blow and let you spread the cost, rather than getting lumped with a single hefty bill.

MOT Costs and Fixes

On MOT day, you hope for the best but brace for the worst. The test itself isn’t expensive (the government sets a max fee of £54.85 for cars), but the trouble is what comes after. A failed MOT can mean repairs you weren’t ready for. If your car needs new suspension, a fresh set of tyres or even just a bit of welding, it can run into the hundreds.

If you can, it’s definitely worth setting aside a bit each month for MOT costs. Even if your car sails through, you’ve still got that money ready for the next one or any repairs in the meantime.

Close-up of MOT sign with passing vehicle in the background, representing MOT costs of running a car.

Road Tax

Road tax (VED) might not be a regular talking point, but it’s still a part of the running costs. There used to be more variation in your road tax, but these days it’s more or less a flat rate for vehicles registered after April 2017, following the first year’s payment. The big exception here is vehicles with a list price of more than £40,000, which incur a tax of £425/year, more than double the average.

If you’re able to, it works out slightly cheaper to pay your tax annually, but there are options surrounding monthly direct debits if you need to spread the cost.

Create a Car Budget that Works

The best way to budget for your car is to break it down monthly. Add up everything (insurance, tax, servicing, repairs, MOT costs, the lot) and divide it by 12. Putting aside that amount each month into a ‘car pot’ means you’re not scrambling when those costs hit.

If you’re on a tighter budget, keep an eye out for ways to make things more manageable. A car repair payment plan can really take the pressure off when something unexpected crops up.

Need A Hand Spreading The Cost? Get 0% Car Repair Finance

When something goes wrong with your car, the cost shouldn’t put the brakes on everything else. Payment Assist offers an easy, interest-free way to handle car repair finance without dipping into your savings. Whether it’s unexpected MOT costs or a big repair bill, our car repair payment plan helps spread the cost so you can stay on the road without the stress.

We work with garages and dealerships across the UK to give you flexible options with no hidden fees. Head to our site to find a dealership near you or get in touch if you’ve got any questions.

FAQs

How can I reduce my car’s running costs?

Simple things help, like driving more efficiently, checking tyre pressure, and keeping up with regular servicing, all of which make a difference. It also helps to shop around for insurance and fuel, if you can.

Is it worth putting money aside every month for car expenses?

Yes. Setting up a small savings pot means you’re not caught out by things like MOT costs or emergency repairs.

How much should I budget for repairs each year?

It depends entirely on your car’s age and mileage, so an exact figure isn’t really feasible. Newer cars might cost less, but older ones can surprise you. A garage with car repair finance makes this much easier to manage.

What if I can’t afford a big repair bill?

0% interest car repair finance options are a great way to help spread the cost over time. Always check what’s available before agreeing to a job.

Website banner reading “Want to get repairs approved faster with stress-free payment options?” with Payment Assist logo and red “Find Out More” button.

Further Reading

Red Nissan Qashqai e-POWER car positioned over a frozen landscape with snow-covered mountains in the background.

Payment Assist & Car Care Plan Partner with Nissan to Launch Nissan Instant Service Plan

Payment Assist & Car Care Plan Partner with Nissan to Launch Nissan Instant Service Plan 1200 628 Payment Assist Blog

Keeping your car serviced shouldn’t mean emptying your wallet in one go. That’s why the new Instant Service Plan from Nissan, which we’ve launched in partnership with Car Care Plan, is a game-changer for UK drivers.

This new option is built for anyone who wants to keep their vehicle in top condition without paying everything upfront. By spreading the cost over 12 months, you get peace of mind, full dealer servicing, and flexible payments, all wrapped up in one manufacturer-backed package.

What Is the Instant Service Plan?

Nissan’s Instant Service Plan is a new initiative that’s been developed in partnership with Car Care Plan and Payment Assist. It’s been designed to help used Nissan owners get a major and minor service done over the course of a year without having to pay the full cost upfront.

Instead, you can opt to pay monthly for car repairs using an interest-free plan powered by Payment Assist. It’s a fixed monthly amount, spread across 12 months, and available for eligible Nissan vehicles under ten years old. It’s not a generic package, either. This is a full Nissan service using approved parts. It’s carried out by official Nissan dealerships and supported by a 12-month warranty and RAC Roadside Assistance.

A mechanic's gloved hand holding a spanner bumps fists with a customer's hand giving a thumbs-up in front of an open car bonnet.

Who is the Nissan Instant Service Plan For?

This new plan is especially useful if you’re a used Nissan owner and you’re not already on a longer-term service agreement. Around 45% of Nissan retail customers buy a service plan when they get a new vehicle, often for two to four years. But for everyone else, costs can come as a surprise when a service is due.

The Instant Service Plan fills that gap.

It gives those drivers a straightforward, manageable way to stay on top of Nissan servicing costs without skipping essential maintenance or being tempted by less reliable alternatives.

How the Partnership Works

The Instant Service Plan was put together by three well-known names. Payment Assist makes it possible to pay monthly for car repairs with no interest. Car Care Plan has worked with Nissan for over 15 years, handling service and warranty support, and with full backing from Nissan, it all adds up to a simple, reliable way to manage your servicing.

“We have been working with Nissan for more than 15 years, and the opportunity to bring about this new Instant Service Plan was an ideal chance to further strengthen those ties. By onboarding Payment Assist, we can offer the best possible deal for customers who would otherwise likely look to independent garages or not service the vehicle at all. This way, drivers get a full major and minor Nissan service and benefit from improved residual values as a result.” – Jon Norman, Head of Corporate Sales, Car Care Plan

Close-up of a handshake between a mechanic and a customer, symbolising trust and agreement on car repairs or service.  

Why Spread the Cost?

Servicing costs can land at awkward times. Life’s busy enough without surprise bills, especially for something like your car, which is a non-negotiable cost. That’s where Payment Assist can make a big difference. Our interest-free solution lets drivers pay monthly for their car repairs and spread the cost of a full minor and major service across 12 fixed payments. It means the work gets done, the car stays in great shape, and your finances don’t take the hit all at once.

Person using a touchscreen payment interface with icons for secure payment, bank, credit card, and a toy car on the desk beside a tablet.

“Nissan’s new Instant Service Plan is the ideal way for customers to maintain a full dealer service history while benefiting from a flexible, interest-free way to pay. By using Payment Assist’s payment solution, drivers can spread the cost into manageable monthly instalments. It’s a win-win, offering added value for the customer’s vehicle and helping dealerships retain long-term after-sales relationships.” – Marcus Gregory, CEO of Payment Assist

What Does the Plan Mean for Dealerships?

For dealerships, the Nissan Service Plan offers a great way to boost after-sales retention and customer satisfaction. By giving drivers a simple, interest-free way to manage servicing costs, dealerships can strengthen loyalty, increase workshop bookings, and reduce the risk of losing customers to independent garages. It’s a smart way to support long-term relationships while offering real value. Get in touch with us to find out more about how the plan can benefit your business.

What’s Included in the Plan?

When you sign up to the Instant Service Plan, you get:

  • One minor service and one major service
  • All work carried out by Nissan-trained technicians
  • Genuine Nissan parts with a one-year warranty
  • 12 months of RAC Roadside Assistance
  • A full Nissan dealer service history

That last point is worth highlighting.

A full service book, stamped by Nissan dealers, helps maintain the car’s value over time. So not only are you looking after your vehicle today, but you’re also protecting its future resale value, too.

Is Your Car Eligible?

To qualify for the Instant Service Plan, your vehicle must:

  • Be a UK-specification Nissan.
  • Be less than ten years old.
  • Not be an LCV, GT-R, NISMO, Pathfinder, or Patrol model.
  • If your car fits that description, you’re in.

Want To Spread The Cost of Your Car Repairs?

At Payment Assist, we help you manage essential car expenses with flexible, interest-free payments. From Nissan servicing costs to unexpected repairs, we make it easier to keep your car on the road without paying for everything at once. We work with trusted dealers, garages, and manufacturers to help drivers like you stay in control of car care costs. Find a dealership near you to make the most of the Nissan Instant Service Plan, or get in touch to find out more.

FAQs

What is the Nissan Instant Service Plan?

The Nissan Instant Service Plan is a 12-month interest-free payment plan that covers one minor and one major service at an official Nissan dealership, using genuine parts and trained technicians.

Who can use the Nissan Instant Service Plan?

It’s designed for UK-based Nissan drivers with vehicles under ten years old. It’s ideal if you’re not already on a long-term service plan and want a more flexible way to manage servicing costs.

Can I really spread the cost with no interest?

Yes. Thanks to Payment Assist, the total cost is split into 12 fixed monthly payments with no interest and no hidden fees.

What’s included in the plan?

You’ll get a full minor and major service, 12 months of RAC Roadside Assistance, genuine Nissan parts, and a service history stamped by Nissan, helping to protect your car’s value.

Which cars are not eligible?

The plan doesn’t cover LCVs, GT-R, NISMO, Pathfinder, or Patrol models. All other UK-spec Nissan vehicles under ten years old should qualify.

Banner promoting Payment Assist with the text "Looking for a service plan that lets you pay for car repairs monthly?" and a red 'Find Out More' button.

Further Reading

Smiling mechanic shaking hands with a customer in a tyre shop

How Buy Now Pay Later Boosts Dealership Customer Retention

How Buy Now Pay Later Boosts Dealership Customer Retention 1200 628 Payment Assist Blog

Let’s be honest, car bills aren’t always cheap. Unexpected repairs or routine maintenance that hit at the wrong time of the month can drive customers to either delay or, even worse, disappear. That’s lost revenue, and it’s a missed chance to build a good relationship with a regular customer.

If you give your customer a bit of breathing room with a buy now, pay later option, though, the whole game changes.

Motoring Costs Are Stretching Budgets

Between rising insurance premiums, fuel prices, and the cost of parts, drivers nationwide are feeling the pinch at the moment. An MOT that used to come with a £150 bill can easily creep past £400 once advisory repairs and an annual service are thrown in.

The general cost of living is higher, too, which means a hefty car repair bill can easily get shuffled down the priority list. That doesn’t mean a customer doesn’t value the work; it might just mean they can’t afford the upfront cost.

Offering financial support at the point of payment makes life easier for both you and your customers because when you make costs manageable and accessible, customers remember it.

Why Buy Now Pay Later Works

There’s a psychological shift when a customer sees they’ve got a way to split the cost. A £600 bill is a lot (and often too much) to fork out for, but four payments of £150 each are much more manageable. Because buy now, pay later schemes like Payment Assist are interest-free, it’s a way of offering flexibility without squeezing extra interest fees out of the customer.

The whole thing takes minutes – the customer sees what they owe, agrees to spread it, signs digitally, and off they go. Job done, you get paid, they get back on the road.

Your Business Builds Trust

One of the biggest reasons customers avoid garages is the fear of being stitched up. They don’t always trust what they can’t afford. But when a customer sees upfront pricing with flexible payment, you take that fear off the table. Buy now, pay later removes confusion, bill shock, and delays, which builds trust and loyalty. When someone knows they can rely on you for clear advice, transparent pricing, and financial support, they stop shopping around and stick with what they know.

Mechanic and customer inspecting the back of a car together in a garage

Higher Average Spend, More Repeat Visits

Customers with flexible car repair options tend to spend more. Not because they’re being reckless, but because they’re not being forced to cut corners. Instead of going for the bare minimum, there’s a greater incentive to follow your recommendations. That might mean sorting tyres and suspension now rather than leaving it for next time.

Over time, you’ll likely see this boost customer retention and increase the lifetime value of that client because, once you’ve helped someone, they’ll trust you again.

Mechanic carrying a car tyre in a busy garage

A Competitive Edge

Lots of garages and dealerships offer similar core services, and it’s the bits you offer around the edges that make the difference. Giving people the financial support to take control of their cash flow is massive here.

A buy now, pay later scheme for car repairs means your business stands out. It gives you a reason to shout about how you support customers, and it turns your workshop into somewhere drivers want to come back to.

No Extra Hassle for You

You might be thinking this sounds like more admin, but working with the right partner means the legwork is done for you. With Payment Assist, there’s no chasing invoices and no awkward debt collection. Just straight-up payment and happier customers. It works behind the scenes so you can get on with running your business.

Ready to Boost Your Customer Retention with Buy Now Pay Later?

At Payment Assist, we help you make your car repairs affordable with flexible buy now, pay later finance. There’s no interest and no hidden fees; you get paid in full, fast, and your customers get the breathing room they need to drive away happy and safe.

It’s already working for garages and dealerships across the UK, increasing customer retention and lifting the average job value, too. If you’re looking to offer financial support at the point your customers need it most, then sign up for Payment Assist today or get in touch with us to find out more about how we can help you.

FAQs

What if a customer misses a payment?

It won’t affect your dealership or repair centre as you’re paid up-front while the customer pays instalments. If an instalment is missed, the customer may face fees or have their credit score impacted, but it won’t affect your business.

Can I use buy now, pay later for smaller car repair bills?

Absolutely. We don’t have a minimum spend limit, so you can use Payment Assist for minor car repairs.

Does buy now pay later affect dealership cash flow?

Not at all. You usually get paid upfront, while customers pay in instalments for their car repairs, so there’s no waiting around.

Payment Assist ad promoting 0% car repair finance for customer retention

Further Reading

A row of second hand cars

What’s Driving Growth in the Used Car Market?

What’s Driving Growth in the Used Car Market? 1200 628 Payment Assist Blog

The UK used car market is experiencing a boom. In 2024 alone, used car sales jumped by 5.5%, with over 7.6 million used cars sold. This is a strong post-pandemic rebound. So, what’s fuelling this surge in the demand for pre-loved cars? Several key factors are at play, like the rising cost of new cars, supply chain issues and economic pressures. It’s also important to note the electric vehicle (EV) revolution and how this has started to impact the overall cost of running a car.

The Cost of New Cars Has Increased

Brand-new cars have never been pricier. The cost of new cars in the UK has risen in the last few years to around £39,000 on average. Even traditionally affordable models aren’t so cheap anymore – a basic VW Polo now costs over £20,000.

With new car price tags so high, lots of people just can’t justify or afford a factory-fresh vehicle. Instead, they’re turning to used cars as an alternative that’s a bit easier on the bank balance. Plus, new cars lose value quickly in the first year, so letting someone else take that initial depreciation hit by buying nearly-new makes good financial sense.

Supply Chain Woes Have Boosted Used Demand

It’s not just high prices driving people to used cars – it’s also availability. Since 2020, there have been some major supply chain disruptions (like the semiconductor chip shortage) that have cut new car production. In fact, in 2022, the UK saw just 1.61 million new cars registered (versus 2.31 million in 2019)​. Fewer new cars then means fewer used cars now; industry analysts estimate a shortfall of around half a million nearly-new vehicles in the market.

Tight supply means that buyers have been competing over the limited stock, which pushed used car prices up and kept demand strong. The new car supply is finally improving, but it will take time for those vehicles to flow into the used market.

Second hand cars on a car transporter

Consumers Are Feeling the Financial Pinch

Another big factor is that British households are really feeling the squeeze when it comes to their finances. High inflation and rising bills have made everyone more cost-conscious. Choosing a used car over a new one can save you thousands of pounds upfront, which is massive when budgets are tight.

It’s easy to see why a driver would go for a reliable used motor instead of taking on a hefty new finance package. Industry experts note that amid economic uncertainty, consumers are increasingly likely to turn to the used car market.

Electric Vehicle Adoption Hits the Used Market

The shift to electric cars is shaking up the used car market. A wave of early EV adopters is now trading in their cars, which means more used EVs are on the scene. In fact, 2024 saw record sales of used electric cars. Transactions for pre-owned EVs jumped 57% year-on-year, and it now makes up around 2.5% of all used car sales​.

That share may be small, but it is growing fast.

Drivers are eager to go electric if the price is right, and the used market is making EVs more accessible. Many new electric models carry hefty price tags, but a few years down the line, they can be found used at a much lower cost. Plus, an influx of ex-lease and ex-fleet EVs is starting to nudge used EV prices down, which only encourages more buyers​.

The Cost of Running a Car is Increasing

It’s not just the purchase price of a vehicle that’s risen. The ongoing cost of running a car is a major consideration for buyers. Fuel, insurance, and tax costs have all climbed, with insurance premiums up by around 53% in the past two years​, and petrol/diesel prices (while down from their 2022 peak) are still higher than they were a few years ago.

A car being refuelled

On top of that, changes in taxation are coming into play.

From 2025, electric vehicles will no longer be exempt from road tax; new EVs will have to pay the standard VED rate (around £170 a year), and expensive models will face an extra £425 luxury car surcharge. What’s more, major urban areas like London have expanded low-emission zones that charge older high-polluting cars daily. All these factors make it more expensive to own and run a brand-new, high-value car. When compared with these costs, used car with good fuel economy and lower insurance groups can be much less of a financial burden.

Budgeting for Used Car Maintenance

Used vehicles might save your customers money upfront, but they usually mean more work for the workshop. Newer cars tend to get through the first few years with just routine servicing, and if anything does go wrong, the manufacturer’s warranty often covers it, so it never ends up in your hands

Older vehicles are a different matter. You are far more likely to see them in for diagnostics, general repairs or worn-out parts. Tyres, brakes and batteries often need replacing sooner, and once a car passes the three-year mark, the annual MOT can bring up all sorts of issues that need fixing. That puts extra pressure on your team to manage parts, time and customer expectations.

The upside is that many well-maintained used cars are straightforward to work on, and for the common models, parts are usually easy to source and reasonably priced. They might not be perfect, but used vehicles help keep your ramps full and your team busy.

Keep Used Car Repairs Affordable with Payment Assist

As we’ve discussed, the financial climate is far from predictable at the moment, and the last thing anybody needs is an eyewatering, unexpected car repair bill. At Payment Assist, we provide 0% car repair finance solutions that help your customers handle their car repair costs by splitting them into manageable monthly payments.

Typically a customer will pay 25% of the bill upfront, then spread the rest over the next three months interest-free. That means if you’re working on a used car that needs an expensive fix, you can get your customers back on the road without a big financial burden.

Garages, repair centres, and dealerships across the country have chosen to partner with us, enabling customers to get their cars fixed now and pay later with no extra charges. Sign up today to help your customers spread the cost of your car’s repairs, or get in touch with our team if you have any questions.

An image reading 'want to offer your customers stress-free 0% finance on their car repairs'

FAQs

  • Is it more profitable to work on older cars or newer ones?

    Older cars mean more regular repairs, but margins can be tight if parts are hard to source or jobs take longer. Newer models need less frequent work but bring higher-value diagnostic and tech-based jobs.

  • What should we flag to customers budgeting for a used car?

    Remind them about servicing, tyres, MOTS, and hidden faults. Offering a pre-purchase check is good business and builds trust.

  • Will evs reduce workshop income?

    Not necessarily. less routine servicing, yes, but still plenty to do—tyres, brakes, HV checks, diagnostics. If you’re set up for EVs, it’s an opportunity, not a threat.

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“Payment Assist” and the Payment Assist logo are trademarks of Payment Assist Ltd.
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Should you wish to make a complaint, please email us at complaints@payment-assist.co.uk, call us on 01664 503 151 (Calls may be monitored) or write to Complaints Department, Payment Assist Ltd, Pera Business Park, Nottingham Road, Melton Mowbray, LE13 0PB. Should we not be able to satisfy your complaint, you can have your case impartially reviewed again by Payment Assist’s Complaints Adjudicator who is situated outside of the regular customer service teams. You also have the right to take your complaint to the Financial Ombudsman Service on all our regulated products, further information can be found at www.financial-ombudsman.org.uk.
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