Login
Sign Up
Make Payment

As the UK’s leading provider of Buy Now Pay Later (BNPL) and retail finance solutions for the automotive sector, we are thrilled to announce a brand-new business lending that is designed to boost the growth of businesses across the UK.

Supporting Your Business

Through this new offering, you can get access to fast, flexible business lending directly through Payment Assist, which helps you invest in new tools, expand operations, and manage cash flow with ease.

This comes in the form of business loans, merchant cash advances, invoice finance, and business credit cards, all to give you access to fast, flexible funding when you need it.

“This is more than just a product launch, it’s a natural evolution of how we support the industry. By offering broader finance solutions alongside our core BNPL platform we’re making it easier than ever for our merchants to grow with confidence.” – Marcus Gregory, CEO of Payment Assist.

A smiling woman in a striped shirt works on a laptop in a creative workspace, surrounded by clothing racks and papers.

Why We’re Offering Business Lending

Providing business loans for companies across the UK is all about giving you more control. We’ve always said we’re here to support the trade, and now that support goes beyond customer finance.

With these new lending options, we’re backing your business directly, which helps you to grow on your own terms with funding that fits your operation. If you’re a small independent business or a busy multi-site organisation, our goal is to make your business finance easier, faster, and more useful.

Flexible Business Lending, Built for You

We’ve made it quick and straightforward to access funding, with flexible options ranging from £1,000 to £10 million. Whether you’re covering short-term cash flow or planning a bigger investment, we connect you with a network of trusted UK lenders in just a few clicks.

There are no upfront fees, and checking eligibility won’t impact your credit score. Just tell us how much you need, answer a few simple questions, and securely link your business bank account. Our smart technology instantly compares quotes from top lenders to show you tailored offers that match your needs.

You stay in total control throughout the process, but we’re on hand to guide you through exploring your options to completing the application. There’s no jargon, and there aren’t any hidden costs, just finance that works for the way you run your business.

A middle-aged businessman in a suit and glasses discusses a document with a colleague across the table in a bright office.

Want Smart Business Loans for Your Business?

If you’re ready to grow, we’re here to help. Our new business lending options are built for the real-world needs of companies across the UK. You can check your offers in minutes, compare terms, and choose the funding that works for you without any pressure or hassle.

To find out how we can help you, get in touch with us today or head to our business lending page to learn more.

FAQs

What types of business lending are there?

We offer business loans, merchant cash advances, invoice finance, and business credit cards. All are designed to help automotive businesses access fast and flexible funding.

Do I have to be an existing Payment Assist partner to apply?

No, our business lending options are open to any eligible business, whether you already use our customer finance tools or not.

Will this affect my current Payment Assist setup?

Not at all. If you already use our buy now, pay later, or 0% finance options, nothing changes. Business lending is an additional service you can choose to use.

How quickly can I access the funds?

Once approved, funds can often be made available within 24 to 48 hours, depending on the lender and the product you choose.

Banner reading "Ready to boost your growth with smart business lending solutions?" with Payment Assist logo and a red button that says "Find Out More."

Further Reading

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

Drivers across the UK are postponing their MOT repairs amid rising costs and tight budgets. Recent surveys paint a worrying picture, with nearly half (49%) of drivers admitting to delaying car fixes to save money. Garages and repair centres are reporting the same trend, too, with over 50% of repair shops seeing customers put off essential repairs in the past year.

Financial pressure and a lack of disposable income are the main reasons for this, with one poll finding that over half of repairers cite household strain as the main reason behind repair delays.

These stats underline a clear trend.

MOT costs and general car maintenance bills are rising, and drivers with limited disposable income are deferring work. Car repair servicing is getting more expensive, too, and with higher costs on parts and energy costs, garages are being forced to pass price increases on to their customers.

Woman in car appearing stressed with hands on her head

What Are the Most Commonly Deferred MOT Costs?

Usually, it’s the ones that carry the biggest price tag. According to the Motor Ombudsman, there are five clear outliers when it comes to car maintenance and repair bills that are being put off.

Timing belt replacement.

This is recommended to be changed every 60-100,000 miles and was delayed by 79% of car owners. A belt change usually costs around £600, whereas ignoring it risks catastrophic engine damage that could see prices spiral into the thousands.

Oil/filter change between services.

72% of drivers delayed this service. An oil change costs around £150, but old oil can cause engine seizure if it’s neglected.

New tyres.

This was skipped by around 58% of customers. Generally speaking, replacing four tyres can cost a customer around £400, but driving on bald tyres incurs steep penalties of up to £2,500 per tyre and is a big safety risk, too.

Fixing oil leaks.

Almost half (49%) of all drivers delayed their oil leak fix. As with the timing belt replacement, a typical leak repair (approx. £355) is much cheaper than the cost of unaddressed engine failure.

Brake-pad replacement.

39% of customers put off their new brake pads. New pads might seem avoidable, but worn brake pads greatly increase your stopping distance and risk more extensive brake damage later.

Drivers Are Waiting for MOT Fails Before Acting

Surveys show us that most customers only fix problems when they absolutely have to, usually after an MOT fails or when a fault noticeably affects the car. Minor issues are deferred, even though smaller repair costs are far less than the major failures they might cause down the line.

The Cost of Living is the Main Culprit

The RAC found that one in five motorists have delayed or halted servicing entirely due to lack of disposable income, and one in ten drivers have risked road safety by neglecting tyres or other MOT costs.

How Car Repair Finance Can Help

Fortunately, there is an easy fix to help your customers keep their cars on the road without breaking the bank. Drivers are increasingly choosing repair centres that offer car repair finance options to spread repair and MOT costs over time.

A £600 timing belt replacement suddenly becomes much more accessible when it’s split into four £150 payments. It’s also much easier to encourage your customers to opt to fix the problem when you’re able to offer them car repair finance that’s interest-free.

What car repair finance offers your customers:

What car repair finance offers you:

MOT inspector writing notes while checking under a car bonnet

Looking to Help Your Customers Manage their MOT Costs?

If you want to make it easier for your customers to say yes to essential and advisory MOT costs, then our 0% interest car repair finance is the perfect option. With Payment Assist, you remove the financial barrier that often puts customers off and with no high interest and no hidden fees, it’s a clear way for drivers to split their car maintenance bill into manageable chunks. It’s quick and easy to set up and straightforward for customers to use, too.

Join repair centres, dealerships, and garages across the UK in providing flexible, FCA-regulated finance that works just as well for you as it does for your customers. Sign up with Payment Assist today, or get in touch to find out more.

FAQs

Is car repair finance regulated by the FCA?

This depends on the provider. Payment Assist is regulated by the FCA, but not all car repair finance providers are. You can find out more here.

Are customers comfortable with car repair finance?

Absolutely, the demand is already there. Mentioning 0% finance at the quote stage or during diagnosis can help retain customers. You can see this in our excellent Trustpilot reviews, as well as the fact we’ve had over 1.4 million customers.

Will car repair finance help me upsell?

Yes, customers are more open to added-value work when they know they won’t have to pay it all in one go.

Payment Assist ad encouraging easier MOT management for customers

Further Reading

[vc_row][vc_column][vc_column_text css=””]In a bold move to streamline payment processes for the dealerships we support, we’re delighted to announce a strategic partnership with eDynamix.

eDynamix is the developer of exsto, a powerful automotive software platform built to streamline dealership payment processes, enhance customer experience, and drive digital transformation across the retail automotive sector.

Together, we aim to deliver an integrated payment solution within the exsto Customer Engagement Platform under the exstoPay suite.

What This Means for Car Dealerships

As our official partner, eDynamix helps their UK dealerships offer a wide range of payment options, including Card Services, Open Banking, and Buy Now Pay Later – powered by Payment Assist, all from a single, unified platform. It will also simplify onboarding delivered by a trusted UK provider.

“Payment solutions in the garage network are often complicated and multi-sourced. Our integration with exstoPay removes the complexity caused by disconnected systems. One platform to manage all payment types means greater efficiency and cost-effectiveness for dealers.” – Chris Masters, Chief Payment Officer at Payment Assist

Reshaping Automotive Payment Management

We’re already trusted by over 8,000 garages, but by working with eDynamix, we aim to make payment processes and customer onboarding simpler and more efficient for dealerships and repair centres across the country. This new partnership forms a key part of our commitment to stay at the cutting edge of payment technology in the automotive sector.

“This partnership is an important step forward in our mission to simplify dealership operations. Working with Payment Assist allows us to offer an embedded, end-to-end finance solution that benefits both dealers and their customers.” – Ian Nickalls, CEO at eDynamix.

Ready to Streamline Your Dealership Payment Options?

Efficiency and ease of use are central to what we do at Payment Assist. We’ve got a track record of working closely with industry innovators to ensure that we provide the best possible payment solutions in a way that’s simple, accessible, and effective.

“We’re thrilled to be partnering with such a well-established and respected business as eDynamix. This collaboration goes beyond technical integration – it’s a clear statement of intent. It reinforces our commitment to delivering smarter, more connected finance solutions that genuinely support both dealerships and their customers.” – Marcus Gregory, CEO at Payment Assist 

Sign up today to experience the benefits of 0% car repair finance, or get in touch to find out more.

'ready to optimise your payment processes with exstoPay'?

FAQ

[/vc_column_text][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”What is exstoPay?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]exstoPay is a digital payment platform designed for automotive retailers to manage customer payments and finance options in one place.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How can dealerships offer more payment options?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]By using platforms like exstoPay, dealerships can easily provide card payments, Open Banking, and Buy Now Pay Later through a single system.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What are the benefits of integrated payment systems for dealerships?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Integrated systems simplify payment management, speed up onboarding, reduce admin, and offer customers more flexible finance choices.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How do I set up integrated payment solutions for my dealership?” tab_id=”1741280934824-bf180510-c195″][vc_column_text css=””]You can sign up directly with a payment provider like Payment Assist to get started quickly.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

Chancellor Rachel Reeves’ recent Spring Statement outlined government plans to boost the UK economy, revamp public services, and strengthen national security. Several policies could impact the automotive and repair sector, from infrastructure investment to changes in personal finances. These measures may shape the future of repair shops and dealerships across the UK.

At A Glance:

Economic Stability and Consumer Confidence

The UK and the wider global economy have faced significant challenges in recent years, but the Spring Statement brings some optimism. The government’s forecast suggests steady growth from 2026 onwards, driven by new fiscal rules aimed at balancing government spending with revenue. It is also working to reduce national debt as a share of GDP.

According to the Spring Statement, real wages have been rising at their fastest rate in over three years. Inflation peaked at 3.8%, but forecasts suggest it will drop to around 2% by mid-2026.

Consumer Confidence and Auto Repairs

Consumer confidence and income significantly impact repair centres. When people feel financially secure, they are more likely to get their cars serviced regularly and invest in non-essential repairs. With wages rising and inflation coming under control, drivers may be less inclined to delay maintenance.

However, challenges remain. Despite positive news about wages and inflation, rising energy bills and a high cost of living continue to affect personal finances. This could mean that, for many, economic difficulties persist.

A hand, small model car, and set of car keys displaying consumer confidence in auto repair finance

The Fuel Duty Freeze Remains

The UK Spring Statement did not introduce new policies on fuel duty but reaffirmed the government’s commitment to freezing it. This decision, made in the Autumn Budget, is good news for motorists and repair shops alike.

Keeping fuel duty frozen means petrol prices remain lower than they might have been. This leaves drivers with more disposable income, potentially increasing spending on car maintenance. Additionally, cheaper fuel encourages more driving, which can lead to increased demand for repair services.

Infrastructure Investments

The Chancellor announced an additional £13 billion in capital infrastructure funding as part of the Spring Statement, adding to the £100 billion already allocated. While most of this is earmarked for housing and green energy, the government has emphasised investment in communities beyond housing alone. This could include road improvements, transport hubs, and other projects that may impact the automotive and repair sectors.

infrastructure in Birmingham, UK - an aerial shot

Tax and Business Regulations

The Spring Statement addressed tax reforms, with the government aiming to close tax loopholes and crack down on fraud. A key component of this strategy is the expansion of Making Tax Digital (MTD).

MTD is set to roll out for income tax Self Assessment from April 2028, applying to self-employed individuals and landlords earning over £20,000 annually. Transitioning to digital record-keeping now could help businesses streamline financial management and improve efficiency.

Bridging the Skills Gap

The Spring Statement placed significant focus on vocational training, particularly in the construction sector, with £625 million allocated to train 60,000 new workers. While this funding is construction-focused, it signals broader government support for vocational skills development.

Over time, this could extend to the automotive maintenance and repair sectors, particularly as demand for electric vehicle (EV) expertise grows. The government’s commitment to achieving net zero suggests that further investment in EV repair and maintenance training may follow.

Looking to Stay Ahead of the Curve with Flexible Finance Options?

As the economic landscape evolves, offering customers a simple, affordable way to pay for repairs is more important than ever. That’s where Payment Assist can support you. We help repair centres and dealerships provide customers with flexible payment solutions, allowing them to manage unexpected costs without delaying essential work.

With our 0% finance options, your customers can spread the cost of repairs into manageable instalments. This reduces the burden of large upfront payments, making necessary repairs more accessible. Plus, you receive full payment upfront, ensuring stable and secure cash flow.

Get ahead today! Sign up for Payment Assist or contact our team to learn more.

an image encouraging readers to make the most of the spring statement changes with 0% finance packages

FAQ

[/vc_column_text][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”How can car repair centres prepare for economic changes?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]Staying flexible and proactive is key. Consider investing in digital finance management, prioritising staff training, and offering flexible payment solutions to meet evolving customer needs.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What should garages consider regarding workforce development?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]Focusing on vocational training and upskilling employees will help maintain a skilled workforce, especially as demand for quality repairs continues to grow.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How might infrastructure investments affect local garages?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Road improvement projects could increase vehicle traffic and, consequently, repair demand.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What can automotive businesses do to attract more customers?” tab_id=”1741280934824-bf180510-c195″][vc_column_text css=””]Offering convenient, affordable finance options can build customer loyalty and encourage regular maintenance, especially as disposable income stabilises.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

[vc_row bg_type=”color” padding_top_multiplier=”3x” padding_bottom_multiplier=”3x” separator_top_color=”#F2F5F7″ separator_bottom_color=”#F2F5F7″ bg_color=”#F2F5F7″][vc_column][vc_column_text css=””]Above: (Left) Richard Sharp. (Right) Chris Masters.

We are delighted to welcome two key additions to our leadership team here at Payment Assist as we gear up for some exciting transformations to help us improve our offering to businesses and their customers across the UK.

Driving this process, Richard Sharp and Chris Masters have stepped into their new roles as Chief Operating Officer and Chief Payments Officer, respectively. Their focus is on pushing innovation, building on our current payment solutions, and ensuring that Payment Assist stays ahead of the upcoming regulatory changes.

Richard Sharp – Chief Operating Officer

Richard is leading the charge on Payment Assist’s operational transformation. With 25 years of experience in consumer lending under his belt, Richard is well-versed in the ins and outs of motor finance, unsecured lending, and risk management. His experience spans major PLCs and challenger banks, so he has a broad perspective on the industry.

Overseeing a major shift towards digitalisation.

This will make processes smoother and more efficient for garages and their customers. He’s also ensuring that Payment Assist is fully prepared for upcoming FCA regulations taking effect in January 2026. Unlike some providers, we’re already partially regulated, but it’s still important that preparations are made so that we can hit the ground running next year.

“I am absolutely delighted to be joining Payment Assist at such an exciting time for the business,” Richard said. “We have ambitious growth plans, and I’m excited to bring my experience in transformation, change, and improving our customer experience, as well as implement risk management measures so that we remain compliant and efficient as we grow.”

A stylised image representing digitalisation

Chris Masters – Chief Payments Officer

Chris brings 18 years of experience in the automotive industry. He’s worked with some of the biggest suppliers and partners in the sector, starting his career at Motors.co.uk before moving to iVendi, where he specialised in business development. Chris’ deep understanding of customer behaviour and purchasing trends makes him the ideal person to spearhead Payment Assist’s next-generation payment platform.

Refining payment processes.

Chris started working with payments back in 2018, and he was an early mover in the drive to help automotive businesses transition to online transactions. Now, at Payment Assist, he’s taking things further by refining payment processes and ensuring the company’s platform is at the cutting edge of technology.

“We have a fantastic foundation from our consumer finance products, but it’s our vision to develop and deliver a best-in-class payment platform for our network,” said Chris. “The motor industry is an amazing sector to work in, with lots of forward-thinking businesses; we want to support them with a solution that will be at the forefront of technology. We’ve structured our teams to create dedicated support for customers and partners, which ensures that payment processing is easy and accessible for businesses.”

A stylised image representing secure and effective payment

What This Means for Payment Assist

Our preparation for the future is a major factor in welcoming Richard and Chris to the team. The sector is constantly evolving, as is Payment Assist, so bringing these leadership appointments on board is crucial to our journey.

How will you benefit?

By working with expert partners like Contact Web, we’re investing in technology and refining our approach to make sure we continue to be a reliable and forward-thinking partner for businesses across the automotive sector.

Providing Stable Support

With new regulations on the horizon and financial uncertainty affecting the industry, stability matters more than ever. At Payment Assist, we’re proud to be bank-backed and have partial FCA regulations to provide you with a secure and reliable foundation for the future.

Chris summed it up: “Regulatory changes in January 2026 will require businesses in our sector to comply with stricter requirements. Payment Assist is ahead of the curve, already regulated and fully prepared to transition to full compliance.”

We Can Help Your Business Offer More

When you partner with Payment Assist, you get the ability to offer flexible, interest-free payment solutions to your customers. With fast approvals, seamless integration, and a proven track record of reliability, Payment Assist is a failsafe way to improve your service offerings.

Sign up today or get in touch with any questions – our team is here to help.

An image reading: 'looking for a car repair finance provider that values expertise?'

[/vc_column_text][movedo_empty_space height_multiplier=”2x”][vc_column_text css=””]

FAQ

[/vc_column_text][movedo_empty_space][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”What is FCA regulation, and why does it matter?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]FCA regulation refers to the Financial Conduct Authority’s rules for businesses that provide financial services. It makes sure consumers are protected and ensures fair lending practices and financial stability. By January 2026, businesses in this sector will have to comply with stricter FCA requirements.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How are businesses preparing for the 2026 FCA regulations?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]Companies in financial services are reviewing their processes, strengthening fraud prevention, improving compliance measures, and investing in technology to meet stricter regulatory requirements.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Why is digitalisation important for financial services?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Digital transformation streamlines processes, reduces manual work, and improves customer experience. It also helps businesses adapt to regulatory changes and stay competitive in a fast-moving industry.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How can AI improve customer interactions in finance?” tab_id=”1741280934824-bf180510-c195″][vc_column_text css=””]AI-powered tools can analyse calls, automate customer engagement, detect fraud, and personalise experiences, leading to better service and more efficient operations.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

[vc_row bg_type=”color” padding_top_multiplier=”3x” padding_bottom_multiplier=”3x” separator_top_color=”#F2F5F7″ separator_bottom_color=”#F2F5F7″ bg_color=”#F2F5F7″][vc_column][vc_column_text css=””] In the automotive sector, keeping things running smoothly isn’t just about getting the job done – it’s about getting it right. That means maintaining quality, ensuring customer satisfaction, and staying compliant with regulations. To support these goals, we’ve partnered with Contact Web to integrate their Quality AI (QAI) platform into our operations.

Contact Web specialises in AI-powered quality monitoring. Simply put, their system assesses customer interactions and helps us fine-tune our approach. This powerful tool provides real-time insights into service quality, compliance, and efficiency—key factors in running a successful and responsible business.

Why We’re Using AI Monitoring

The simple answer: it makes our processes more efficient. Instead of manually reviewing calls and customer interactions, QAI does it for us. It listens, analyses, and scores every interaction automatically. This allows us to instantly identify areas for improvement and address potential issues before they escalate.

Sentiment Analysis: Understanding Customer Emotions

One of the stand-out features of QAI is sentiment analysis—a system that recognises how customers are actually feeling, not just what they say. If a customer is frustrated, uncertain, or requires extra support, QAI flags it immediately. This ensures that those who need additional assistance receive it promptly, without having to ask twice.

Data-Driven Decisions, Not Guesswork

There’s a lot of talk about ‘data-driven decision-making’, but what does it mean? In practice, it’s about having the right information at your fingertips when you need it. QAI collects and processes data, turning it into actionable insights.

Instead of sifting through endless reports, we gain clear, real-time intelligence to enhance our operations. This includes:

It’s all about working smarter, not harder.

a happy driver with customer service on his phone getting into a car

Beyond Call Monitoring: A Complete Customer Journey View

Most AI tools only focus on monitoring phone calls, but QAI goes further. It tracks the entire customer journey, from the first point of contact to the final resolution. This holistic approach helps us refine our processes in real-time, ensuring that customers receive a smooth, fair, and efficient experience at every stage.

Improving Complaint Resolution

In the rare event that a complaint or dispute arises, QAI allows us to pinpoint exactly where the issue started. This means:

No one enjoys dealing with complaints, but when they do happen, having this extra level of visibility makes a huge difference.

The Impact So Far

We’re still in the early stages of rolling out QAI, but the benefits are already clear. Our initial focus has been on:

Enhancing customer interactions – Identifying what works and what doesn’t

Supporting vulnerable customers – Quickly recognising those who need extra assistance

Streamlining internal processes – Reducing manual effort and improving efficiency

Boosting quality and compliance scores – Strengthening our regulatory framework

A happy customer fills out a customer service review on a smartphone

Richard Sharp, Chief Operating Officer, on the QAI Partnership

“We’re delighted to be partnering with Contact Web and rolling out their QAI platform across our operations. This cutting-edge technology gives my department leads instant access to crucial data, helping us make better, faster decisions. It’s a real game-changer for how we manage quality, support our teams, and deliver the best service for our customers.”

A Step Towards the Future

For us, partnering with Contact Web is about staying ahead of industry trends—not just keeping up. AI-powered quality monitoring is part of a wider innovation strategy to improve efficiency without compromising on service quality.

We’re also preparing for full FCA regulation by January 2026—building on our existing partial regulation. Ensuring that our quality and compliance processes are robust is a vital part of this journey. By using QAI, we can seamlessly manage regulatory changes while continuing to provide exceptional service.

Looking for a Payment Partner That Prioritises Customer Service?

With Payment Assist, you can offer simple, interest-free payment plans to your customers. It helps them spread the cost of repairs and servicing, without hassle or hidden fees.

Join us today by following this link or get in touch to learn more.

An image encouraging the reader to work with a flexible finance provider that takes customer service seriously[/vc_column_text][movedo_empty_space height_multiplier=”2x”][vc_column_text css=””]

FAQ

[/vc_column_text][movedo_empty_space][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”What is AI-powered quality monitoring?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]It’s a system that automatically checks and analyses customer interactions to improve service quality, compliance, and efficiency.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How does sentiment analysis work?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]It picks up how customers are feeling based on their tone, language, and behaviour to allow us to improve our support.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Is AI replacing human quality control teams?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]No. AI takes care of the time-consuming parts like call analysis and tracking trends, but human teams still make the final decisions and improvements.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How does this benefit customers?” tab_id=”1741280934824-bf180510-c195″][vc_column_text css=””]It makes sure that every interaction is handled efficiently, complaints are dealt with properly, and extra support is given to those who need it.

[/vc_column_text][/vc_tta_section][vc_tta_section title=”Will this affect customer service response times?” tab_id=”1741280938036-fd2ed797-34cc”][vc_column_text css=””]It’s likely that response times will get quicker, as it will let businesses focus on the most important issues first.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

[vc_row bg_type=”color” padding_top_multiplier=”3x” padding_bottom_multiplier=”3x” separator_top_color=”#F2F5F7″ separator_bottom_color=”#F2F5F7″ bg_color=”#F2F5F7″][vc_column][vc_column_text css=””] Not everyone has spare cash lying around for a big repair bill. See how Payment Assist can help customers spread their bill over manageable monthly payments.

Customers Struggle to Afford Repairs Upfront

Car repairs can be costly, especially when unexpected. A sudden breakdown or failed MOT can leave customers facing bills of hundreds of pounds. Between 2023 and 2024, repair costs have risen, making it even harder for drivers to afford necessary repairs. Many customers ask if there’s a cheaper fix or say they’ll return next month, not because they don’t want to repair their vehicle, but because paying in one go isn’t feasible.

A woman calls for repairs after her car has broken down

When a customer can’t afford a repair, it affects both them and you:

So, how can the job get done without breaking the bank?

Car Repair Finance Is the Solution

Instead of paying the entire bill upfront, customers can make affordable monthly payments with no interest added. A £400 repair bill might be met with hesitation, but four monthly payments of £100 make it much more manageable.

0% Finance Makes It Even Easier

By offering a 0% finance option, customers can agree to repairs without the burden of a lump sum or high-interest charges. Unlike bank loans or credit cards, where interest increases the total cost, 0% finance is a safer, more affordable alternative.

Most Customers Get Instant Approval

For bills below a certain threshold, there’s usually no complicated credit check. A valid debit card and a few details are often enough for approval, making 0% finance a simple and accessible solution for most customers.

Interest-Free Car Repair Finance Grows Your Business

Helping customers is the right thing to do, but offering finance also benefits your business.

More Sales and Bigger Jobs

When cost isn’t an immediate barrier, more customers say yes to repairs. This allows you to capture jobs that might otherwise be lost. Customers are also more likely to approve all recommended work now rather than postponing part of it, increasing revenue per visit.

Builds Customer Loyalty and Referrals

Turning a large bill into manageable payments earns goodwill. Customers appreciate the flexibility and trust businesses that support them during tough financial times. They’re more likely to return and recommend your repair centre to others.

a happy driver access 0% finance on his phone

Ready to Offer 0% Finance? We’re Here to Help.

If you’re ready to grow your business and offer customers affordable monthly payments, Payment Assist is the solution. As a leading provider of 0% car repair finance, we make it easy for garages and repair centres to integrate this service.

We cover your customer’s repair bill upfront, and they repay in regular, interest-free instalments. This means you get paid immediately while your customers manage their expenses more comfortably. Payment Assist is FCA-regulated and bank-backed, ensuring stability and reliability.

Sign up today by following this link or get in touch with our team for more information.

a CTA image encouraging readers to offer their customers 0% finance with payment assist

[/vc_column_text][movedo_empty_space height_multiplier=”2x”][vc_column_text css=””]

FAQ

[/vc_column_text][movedo_empty_space][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”Do customers need to pass a credit check to use 0% finance?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]We check that their card has the funds to pay the initial deposit and that the address registered on their debit card matches, but we don’t leave a footprint on their credit status, and it only takes a few seconds. If we ever do need to carry out a full credit check, we’ll always get permission first.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What if a customer doesn’t pay for their instalments?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]If a customer doesn’t pay on time, then we handle the follow-up, including any late fees. You’ve already been paid for the job, so your garage won’t lose out even if someone defaults on their payment.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How long does it take for a customer to get approved for 0% car repair finance?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Approval is usually instant. In most cases, the customer just needs to provide their debit card details and basic information, and they can be approved in minutes.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

[vc_row bg_type=”color” padding_top_multiplier=”3x” padding_bottom_multiplier=”3x” separator_top_color=”#F2F5F7″ separator_bottom_color=”#F2F5F7″ bg_color=”#F2F5F7″][vc_column][vc_column_text css=””]Facing an unexpected car repair is as stressful as it is financially challenging. Recently, the cost of repairs has surged, with a 32% increase reported. This has left a lot of drivers worrying about how to manage unforeseen car repairs, so we thought we’d look at how you can navigate the situation more easily.

1. Try Not To Lose Your Head

When your car is broken down, it can feel overwhelming, but it’s important to keep it in perspective. Start by checking the warning lights on your dashboard and your vehicle’s manual for initial guidance. If you’re still not sure, then getting hold of a professional mechanic for a diagnosis is the next step.

Top Tip: Think about getting multiple quotes.

This might feel like a bit of a hassle, but you’d be amazed at how much it can save you. Getting estimates from a few reputable garages can help you be confident that you’re receiving a fair price. Be wary of any quotes that seem unusually low, as this might mean subpar work or cheap parts.

2. Check Your Warranty

If your vehicle is under warranty, certain repairs might be covered, which could save you a lot of money. Familiarise yourself with the terms of your warranty to understand what is included and any actions that might void it.

3. Focus on the Essentials

If the repair costs are high, then chat with the mechanic about which issues are critical and which can be temporarily put on the back burner. Prioritising essential repairs means you can address any immediate safety concerns, which can keep you going while you figure out the other issues.

4. Get a Grip on the Breakdown of Costs

Asking for a detailed breakdown of your car repair costs – like labour, parts, and other fees – helps you to understand what you’re paying for. It can also highlight areas where you might save money, for example, by picking up minor parts independently.

5. Avoid DIY Repairs Unless You’re Qualified

It might be tempting to tackle your car repairs yourself to save a few pounds, but this is risky. Not only can it be dangerous, but it’s also not cost-effective in the long run. According to AVIVA, almost half of motorists who attempted DIY repairs ended up needing professional help anyway, with an average additional cost of over £800. Unless you’ve got the right skills and tools, leave it to the pros.

6. Discuss Payment Options with the Garage

Lots of garages offer flexible payment plans like Payment Assist to help you manage unexpected costs. Talk to them about any available options that might let you spread the cost over time. Unlike some car repair loans, Payment Assist is interest-free and doesn’t have additional fees, so you don’t end up paying any more in the long run. Options like this can massively reduce the financial strain.

7. If in Doubt, Ask

Mechanics are experts at what they do, and having clear and frank conversations with them is a great way to understand the problems you’re experiencing, as well as their solutions. Ask questions if you don’t understand something, and don’t hesitate to get a second opinion if you’re not sure about a recommended repair.

8. Try to Keep on Top of Your Maintenance

Regular vehicle maintenance is absolutely key to preventing unexpected car breakdowns. Stick to your service schedule, check your fluid levels, and keep an eye on your tyres to identify potential issues before they become bigger problems. Having a preventative approach is usually cheaper than emergency repairs.

Did You Know: Delaying repairs usually makes them more expensive.

Postponing your repairs can actually lead to more severe issues and higher costs. What’s more, neglecting essential maintenance can compromise the safety of your vehicle and might even invalidate your insurance policy, so taking the issues in hand quickly is really important.

Organisation and Forward Planning are Key to Avoiding Future Unexpected Costs

Some unexpected car repair costs are unavoidable, but others can be pre-empted, at least to some extent. Think about building an emergency fund if you can. Putting aside a small amount each month can create a financial cushion for unexpected expenses and give you peace of mind, too.

Know Your Vehicle

It’s also worth educating yourself about any common issues associated with the make and model of your vehicle. Alternator failures, coil spring issues, and timing belt problems can be some of the most common faults in certain models. Knowing what to expect can help you anticipate what car repairs you might need.

Keep Detailed Records

Maintaining a comprehensive record of all services and repairs performed on your car is really helpful. They provide a clear history of the work performed, which can not only improve the resale value but also help with warranty claims and support you in tracking your maintenance. Note the date, mileage, and nature of each service or repair. You can also add any information that’s relevant about parts replaced as well as recommendations from your mechanic.

Need Support Managing an Unexpected Car Cost?

Unexpected car repair bills are financially stressful, but they don’t need to be; Payment Assist is here to help. We offer interest-free payment plans that let you spread the cost of your vehicle repair over four equal monthly instalments, making it easier to manage your budget.

We focus on getting you back on the road without the immediate financial strain of unexpected repair bills. Our service is designed to be straightforward, transparent, and supportive. Find a participating garage near you or click here or contact us for more information.[/vc_column_text][movedo_empty_space height_multiplier=”2x”][vc_column_text css=””]

FAQ

[/vc_column_text][movedo_empty_space][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”Is there a credit check required to use Payment Assist?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]For repair bills up to £1,000, a soft credit check is performed to confirm your residency at the provided address. For amounts over £1,000, a full credit check is carried out.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What happens if I miss a payment?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]Missing a payment might result in additional charges and could affect your credit rating. If you’re experiencing difficulties making payments, please contact us to discuss possible solutions.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Can I use Payment Assist for any type of vehicle repair?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Yes, Payment Assist can be used for various vehicle repairs, including clutch replacements, cambelts, brake repairs, and more.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

[vc_row bg_type=”color” padding_top_multiplier=”3x” padding_bottom_multiplier=”3x” separator_top=”curve-separator” separator_top_color=”#F2F5F7″ bg_color=”#F2F5F7″][vc_column][vc_column_text css=””]Winter always feels like the time when everything gets more expensive, and car repair costs are usually no exception. The colder months bring common car issues that can push up the price of getting back on the road. Understanding how and why this happens can help you to plan ahead and avoid unnecessary stress, as can opting for a Payment Assist garage that offers car repair finance.

Increased Wear and Tear

Winter weather takes a big toll on vehicles. Cold temperatures, icy roads, and increased use of features like heaters and defrosters put extra strain on your car, as does gritting roads. But what common car issues can you expect in winter?

Battery Failures

Car batteries struggle in the cold. Freezing temperatures make them much less efficient, leading to more replacements.

Tyre Issues

Wet, icy, and salted roads wear down tyres faster. Damage like punctures is also more common during winter, potentially due to reduced visibility from shorter days.

Bodywork Problems

Water and grit spraying up onto your car can cause problems to the bodywork if left unchecked. Research shows that rust is much more commonplace throughout the wet, cold months.

Brakes

Slippery conditions mean your braking system needs to work harder, leading to wear and tear that needs addressing.

There’s Also a Higher Labour Demand

Winter is the peak season for garages. Icy conditions and poor visibility cause more accidents, breakdowns and emergency repairs. This spike in demand means that repair centres are busier than ever, and labour prices can sometimes increase.

Emergency repairs also tend to take priority, meaning your local garage might need to schedule in-demand mechanics for longer. Sometimes, those costs are reflected on the bill for your car repair costs.

The Repairs that Take Place are More Complex

The common car issues that crop up during winter are usually more time-consuming and expensive to fix. A frozen radiator or seized engine component isn’t always a quick job. Water and grit on the roads can worsen rust or corrode parts, which need more intensive repairs.

If a simple fault goes unnoticed, it can escalate into a bigger problem. For instance, a cracked hose left unfixed in cold temperatures can cause expensive long-term damage to a cooling system.

Parts Often Have Seasonal Shortages

For the reasons we’ve spoken about, winter weather increases the demands for a whole host of car parts. Batteries, tyres, and wiper blades can all become much more sought-after as the temperature drops. This surge can lead to shortages, especially if you drive a less common make or model.

When parts are harder to source, garages might charge more for them, or you might find delays in waiting for your stock to arrive. This can cause some people to try to source the parts themselves, further pushing up costs.

Garage Running Costs Go Up in Winter

Fuel prices tend to rise in colder months, and garages – like all businesses – have to factor in those costs. Heating a workshop, paying for additional tools to handle winter-specific jobs, and managing salt-damaged equipment all contribute to running costs. Unfortunately, these expenses can sometimes cause your car repair costs to rise.

Preventative Maintenance

Many drivers book their cars in for winter checks, like antifreeze top-ups or tyre replacements, to get ready for the cold. This is a very sensible move, but it does mean that garages have to handle more pre-emptive maintenance on top of urgent repairs. This mix of services can lead to longer wait times and slightly higher car repair costs as garages might need to juggle their workloads.

How to Manage Your Winter Car Repair Costs?

It’s true that some winter car repair costs are unavoidable, but there are always ways to manage them and keep yourself on the go without breaking the bank.

1.     Book Regular Services

If you stay on top of the routine maintenance needs of your car, you’re much more likely to catch small issues before they blow up into big, expensive problems.

2. Check Your Battery

If your car battery is over three years old, have it tested before winter. A quick check might just save you a costly and inconvenient breakdown.

3. Monitor Your Tyre Tread and Pressure

Ensure your tyres are winter-ready to prevent avoidable damage or incidents.

4. Top Up Your Fluids

Keep antifreeze and washer fluid levels high to protect your engine and improve visibility on dark winter evenings.

5. Choose a Payment Assist Garage

Spread the cost of unexpected repairs with car repair finance options to keep your car on the road during winter.

Don’t Let Winter Car Repair Costs Catch You Off Guard

Payment Assist offers a simple way to spread the cost of repairs without interest or fees. Whether you’re looking to fix common car issues or tackle unexpected expenses, garages with Payment Assist can give you a real leg up. With car repair finance solutions, you can make sure your car runs smoothly without financial strain.

Get in touch with our team to find out more about how Payment Assist works, or sign up today to experience the benefits.[/vc_column_text][movedo_empty_space height_multiplier=”2x”][vc_column_text css=””]

FAQ

[/vc_column_text][movedo_empty_space][vc_tta_accordion c_icon=”chevron” c_position=”right” active_section=”1″ collapsible_all=”true”][vc_tta_section title=”Why do car batteries fail more often in winter?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]Cold weather reduces your battery’s ability to hold a charge and increases the energy needed to start your car.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Is it worth buying winter tyres in the UK?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]Yes, if you’re able to. Winter tyres improve the grip and safety on icy or wet roads. They also reduce wear on standard tyres during colder months.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What should I check on my car before winter?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Look at your tyres, battery, antifreeze levels, and wipers. Make sure your heating and defrost systems are working properly, too.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Can I spread the cost of repairs with car repair finance?” tab_id=”1737385974287-d4c8ce26-7cd5″][vc_column_text css=””]Yes, Payment Assist lets you spread the cost of repairs interest-free, making unexpected bills more manageable.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Do garages charge more for emergency repairs in winter?” tab_id=”1737385997221-4f076067-44e8″][vc_column_text css=””]Not always, but higher demand for labour and parts can sometimes lead to higher costs for urgent work.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]

Drivers

Business

Login
Sign Up
Make Payment

Customers

Manage your outstanding loans, check your payments and more.

Businesses

Customers Sign Up

Business Sign Up