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

Unexpected car problems can happen at the worst time. If you’re facing a costly repair and don’t have the funds to cover it upfront, a car repair loan could help you get back on the road without delay.

Representative 79.5% Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable).

What Is a Car Repair Loan?

A car repair loan is a type of short-term or personal loan designed to cover urgent vehicle repairs. You can borrow the amount you need to cover repair costs and repay the loan in fixed monthly instalments over an agreed period.

You may be able to borrow from £100 to several thousand pounds, depending on the lender and your individual circumstances. These loans can be used for:

  • Urgent MOT failures
  • Brake, clutch, or suspension repairs
  • New tyres or battery replacements
  • Bodywork or paint damage
  • Engine or gearbox faults
  • Electrical and diagnostic issues

Whether it’s a breakdown, failed MOT, or accident-related damage, a car repair loan can offer fast access to the funds you need.

How Do Car Repair Loans Work?

At MyJar, we’ve made the process straightforward:

  1. Complete a Quick Application – Fill out one simple form online.
  2. We Search Our Lender Panel – We work with trusted UK lenders to find a match for your needs.
  3. Receive a Decision – If approved, you’ll be matched with a lender most likely to accept your application.
  4. Repair Your Vehicle – Once funded, you can pay for your car repairs and get back on the road.

💡 Important: Checking your eligibility won’t affect your credit score. Your credit file is only affected if you choose to proceed with a loan offer.

Can I Get a Car Repair Loan with Bad Credit?

Yes – even if you have a poor credit history, you may still be eligible for a car repair loan.

Some of the lenders on our panel specialise in offering loans for people with bad credit or limited credit history. While you may not be offered the most competitive interest rates, you may still be approved based on your affordability, income, and overall financial situation.

If approved, you’ll be able to compare your loan options and choose the one that suits you best.

Things to Consider Before Taking Out a Car Repair Loan

Before applying, it’s important to consider the following:

  • Affordability – Only borrow what you can afford to repay without causing financial difficulty. Missed payments can have serious consequences.
  • Interest Rates and Fees – Always check the total cost of borrowing, including the APR and any additional charges.
  • Loan Term – Longer terms may reduce monthly payments but could cost more overall.
  • Alternative Options – Consider whether you have other means of paying for the repair, such as savings, or support from family.

Alternatives to Car Repair Loans

If you’re unsure about borrowing, you might want to explore these other ways to pay for your car repair:

  • 0% Garage Finance – Some garages offer interest-free instalment plans through services like Bumper or Payment Assist.
  • Credit Cards – If you have a 0% purchase credit card, this may offer a lower-cost way to spread the cost.
  • Credit Union Loans – Local credit unions may offer lower interest rates with flexible repayment terms.
  • Borrowing from Family – If appropriate, a short-term loan from family or friends may be a more affordable solution.

Why Apply for a Car Repair Loan Through MyJar?

✅ Simple Online Application – One quick form connects you to multiple lenders.
✅ No Impact on Your Credit Score – Checking your eligibility won’t affect your credit file.
✅ Wide Panel of UK Lenders – Including options for poor credit and flexible repayment terms.
✅ Quick Decisions – In many cases, you’ll get a response in minutes.
✅ FCA-Regulated – MyJar is a trading name of PJG Financial Limited, authorised and regulated by the Financial Conduct Authority.

Fix Your Car. Stay in Control.

Whether it’s your only way to get to work or an essential part of daily life, your car matters. A car repair loan can help you fix problems fast without having to wait for payday.

Ready to Apply?

Use our quick and secure online form to find out if you’re eligible for a car repair loan today. There’s no obligation, and it won’t affect your credit score.