Frequently Asked Questions
We’ve supported 9000+ garages and workshops across the UK. From independents to dealer groups, we know what drives success in your industry.
Who are Payment Assist?
We’re a UK-based finance provider offering interest-free payment plans to help spread the cost of vehicle repairs, services, tyres, and more. Our goal is to make motoring more manageable and affordable.
Am I eligible for finance?
To be eligible, you must be over 18, a UK resident, and have a debit card in your name. All plans are subject to credit and affordability checks.
How can I find garages or retailers that offer Payment Assist?
You can use our Marketplace to search for approved garages and dealers that offer our finance options near you.
Which cards do you accept?
We accept most UK debit cards. Unfortunately, we do not accept credit cards or prepaid cards.
What payment plans do you offer?
Our most popular options are our 3, 4 and 6 month interest-free plans, where you pay an initial amount upfront and the rest over equal monthly instalments. Some retailers also offer longer interest-bearing plans, 12 months and beyond, depending on the purchase value and agreement terms.
Can I have more than one plan at a time?
Yes, you can, subject to approval. Each application is assessed on its own merits.
How are my payments taken?
Your payments are automatically taken from the same debit card used to set up the plan. No action needed, just make sure there are sufficient funds on your payment dates.
Will you carry out a credit check?
Yes. We’ll carry out a credit check as part of your application to help us assess whether we can offer you a loan and to make sure it’s affordable for you.
Will a credit check affect my credit score?
We will perform a soft credit check (quotation search) on every loan application; it won’t affect your credit score and isn’t visible to other lenders.
Will you report my loan to a credit reference agency?
What information do you share?
How could this affect my credit file?
Can I change my payment date or pay early?
Yes. You can request a date change or settle your plan early by contacting our support team. We’re here to help make your plan flexible.
How will I know if my credit agreement has started?
You’ll receive a confirmation email as soon as your plan is live, along with your payment schedule and agreement details.
What if I can’t make a payment this month?
Please be aware that a missed payment £15 fee may apply in line with the terms of your loan agreement and that missing your payment may negatively impact your credit rating.
We understand that circumstances can change and you may sometimes find it difficult to make your payment. Please contact us as soon as possible if you think you may be unable to pay, so we can discuss your options and work with you to find a suitable solution.
Where can I get financial help or support?
If you’re having any difficulties making your loan application or subsequently managing your loan then please contact us so we can provide the extra help that you may need.
You can also get free and independent advice from:
- MoneyHelper – free, impartial guidance on managing your money and dealing with financial difficulties.
- Citizens Advice – free advice on debt, money and a range of other issues.
- National Debtline – free, independent debt advice.
- StepChange – free debt advice and support.
Will I be asked any security questions when applying?
Yes, for your safety, you may be asked to confirm some personal details during the application process.
How do I make a complaint or contact you?
You can reach us at admin@payment-assist.co.uk or visit our Contact Us page. We take all feedback seriously and aim to resolve any issues promptly.
