It’s really easy to feel that there’s something appealing about DIY car repairs. A quick search, a YouTube tutorial, and a trip to the parts shop, and it’s job done, right?
For minor things like topping up fluids or changing a wiper blade, that’s probably fine. But for anything more involved, the danger of DIY car repairs is that they’re usually a lot messier and a lot more expensive than they first seem, especially when you take flexible car repair payment options into account.
So why is it that reaching for the spanner yourself can end up costing you far more than handing the keys to a professional?
DIY Car Repairs Have Big Hidden Costs
One in four drivers say they’ve attempted repairs themselves rather than paying a qualified mechanic.
When you compare the price of a part to professional car repair costs, you might assume you’re saving money. But that calculation leaves out a lot.
When you DIY, you’re also paying for tools you might only use once, diagnostic equipment you probably don’t have, and parts you buy based on a wrong diagnosis.
You’re also paying with your time, and if something goes wrong, you’re paying for the professional to come in and fix whatever it is that you broke as well as the original fault.
The dangers of DIY car repair aren’t just financial, either. A poorly fitted brake calliper, an undertightened wheel nut, or a botched electrical repair can create serious safety risks for you and everyone else on the road.
So Why Do People Still Carry out DIY Car Repairs?
Usually, it’s because professional repairs can feel expensive upfront. And when money is tight, it’s tempting to try to manage without. That’s entirely understandable, but the good news is that professional car repair costs don’t have to mean one big, painful payment.
Want to Spread the Cost of Professional Car Repairs?
Payment Assist is a car repair payment option that lets you split your repair bill across manageable monthly instalments, interest-free, with no hidden fees. Find a Payment Assist garage near you or get in touch to learn more.
Misdiagnosis is the Most Expensive Mistake
One of the biggest dangers of DIY car repair is trying to fix the wrong thing. Modern vehicles use more and more complex systems, and one symptom can have several possible causes.
That rattling noise might be a loose heat shield, or it might be something in the suspension that gets progressively worse the longer it goes unaddressed. Professional mechanics use diagnostic equipment and years of hands-on experience to identify the root cause of a problem, not just the most obvious one.
Buying parts and fitting them based on a best guess is a gamble that often doesn’t pay off.
DIY Repairs and Failed MOTs
Work that’s been carried out incorrectly, or with non-approved parts, can lead directly to an MOT failure. What’s worse, it can flag advisories or failures in areas you hadn’t even touched, because one poor repair can affect connected systems.
MOT failures mean retest fees, additional repair costs, and potentially a car that’s off the road longer than it needed to be. In some cases, inspectors are required to flag unsafe work, which can mean a much bigger bill to put things right.
DIY Car Repairs Can Invalidate Your Warranty
If your car is still under a manufacturer or extended warranty, DIY repairs can void it. Most warranties require work to be carried out by a qualified technician using approved parts and methods.
The moment you start tinkering outside those terms, you might find that a future, unrelated claim gets rejected because of the work you carried out yourself. That’s a major financial risk, particularly on a newer or higher-value vehicle.
Professional Repairs Are an Investment, Not Just a Cost
When a qualified mechanic works on your car, you’re not just paying for their time.
You’re paying for:
- The right diagnosis, first time
- Parts that meet manufacturer standards
- Work that’s covered by a guarantee
- A vehicle that’s safe, legal, and roadworthy
- Peace of mind that the job’s actually done
Spread across the life of the repair, professional car repair costs are almost always better value than the DIY alternative, especially once you factor in the rework, the failed MOTs, and the compounding damage that corner-cutting can cause.
Ready to Ditch the DIY with No-Interest Car Repair Payment Options?
Payment Assist is a leading car repair finance provider, working with over 8,000 garages, dealerships, and service centres across the country. Drivers can spread the cost of repairs, servicing, MOTs, tyres, and more over monthly instalments with 0% interest and no hidden fees.
With instant approval and a simple application completed right at the garage, there’s no easier way to keep your car road-safe without the financial strain.
Find a Payment Assist partner garage near you or get in touch with the team today.
FAQs
Is it illegal to repair your own car in the UK?
No, it’s not illegal to carry out DIY car repairs on a vehicle you own. However, any work that affects roadworthiness must meet legal standards, and poorly executed repairs can result in MOT failures or, in serious cases, liability if an accident occurs.
Can DIY car repairs void my car insurance?
They can. If an insurer finds that a non-professional repair contributed to an accident or fault, they may reduce or reject your claim. Always check your policy terms before carrying out any significant work yourself.
What car repair payment options are available through Payment Assist?
Payment Assist offers interest-free plans over 3, 4, 6, and up to 9 months. Plans under £1,000 require no credit check, just a valid UK debit card. You apply at the garage, and approval is typically instant.
How do I find a garage that offers Payment Assist?
Use the garage finder on the Payment Assist website to locate a partner near you. There are over 8,000 across the UK.
What kinds of repairs can be covered by car repair finance?
Most automotive work qualifies, including servicing, MOTs, brake and suspension repairs, tyres, bodywork, and diagnostics. The garage will confirm eligibility at the point of quoting.
Further Reading
- Why Are Car Repair Costs Higher in Winter?
- The Real Cost of Ignoring Car Warning Signs
- Preventative Car Maintenance and the Smarter Way to Pay for It
- Why Responsible Buy Now, Pay Later Works for Car Repairs
Sometimes, a big repair bill is a total bolt from the blue. Others come from something small that got brushed off because the car still drove fine. Things like a warning light that comes and goes or a tiny leak you only notice when you reverse off the drive are easy issues to ignore and forget about.
But that’s the trap with car warning signs. They feel easy to live with right up until they aren’t. By the time a fault forces your hand, the job’s often bigger, the parts list is longer, and the cost is huge, which is how 0% finance for car repairs can help.
Why Small Car Faults Turn Into Big Repairs
Modern cars are increasingly built from systems that rely on each other. If one part starts struggling, others end up working harder to compensate, and that extra strain speeds up wear and tear, turning a minor problem into a chain reaction.
That’s why small car faults turn into big repairs so often.
You can find yourself paying for more than one broken part. The cost often includes paying for the extra damage caused by driving with it. The earlier you act, the more likely it is you’re paying for a simple replacement instead of a knock-on repair.
Squeaky Brakes
That’s the noise of money leaving your pocket.
Brake pads are meant to wear down, and replacing them is a routine job. The problem is what happens when you push past “worn” into “metal-on-metal”.
Once the pads are too thin, they grind into the discs. That turns a pad change into pads and discs. If you leave it longer, you can even end up with overheating, warped components and damage that takes more labour to put right.
Brakes are also a safety issue, so ignoring them isn’t just expensive; it’s a big risk to your health and the health of those around you. If you’re hearing squealing or grinding, or if the pedal feels different, treat that as a proper warning sign, not background noise.
Small Leaks
A small leak can feel harmless until you remember what fluids actually do in your car. Oil lubricates the engine, coolant controls temperature, and brake fluid allows the system to work; all are vital.
If your oil drops too low, you increase friction and heat inside the engine, and if coolant drops, overheating becomes more likely. Overheating can warp components and cause long-term damage like a blown head gasket that’s far more expensive than fixing a seal or hose early on.
Even if the leak itself isn’t dramatic, the consequences can be. If you notice fresh fluid under the car, a sweet smell, or you’re topping up more often than usual, that’s one of those car warning signs you don’t want to gamble with.
Worried You’re Ignoring Car Problems? We Can Help.
Payment Assist offers 0% interest finance for car repairs, so you can tackle small faults before they turn into big mechanical failures. Find your nearest garage here, or get in touch with us today.
Warning Lights
Warning lights tick on because the car’s sensors have spotted something outside normal behaviour. Some warnings can be simple, like a sensor fault. Others are more serious, like oil pressure or engine temperature.
The mistake people make is thinking a light is only important if the car feels rough. Modern cars can mask issues while they get worse. And if a warning light comes and goes, that doesn’t mean the problem’s gone. It can mean it’s intermittent, which is often harder to diagnose once it becomes constant.
If you see a warning light repeatedly, treat it as a prompt to get the car checked. It’s usually cheaper to investigate early than to deal with the aftermath later.
Ignoring Car Problems Has “Hidden” Costs
The repair bill is only one part of it. Ignoring car problems tends to create pressure in other places too.
Breakdowns never happen at a good time
You’ll find yourself forking out for recovery fees, missed work, last-minute childcare changes, taxis, and hire cars. Even a simple breakdown can turn into a messy, expensive day.
MOTs become stressful
That small advisory or warning light you ignored can become a failure. Then you’re fixing things under time pressure, which usually means fewer choices and a higher chance of paying more than you wanted to.
Resale value drops
If you plan to sell or part-exchange, neglected issues show up. Either they’re obvious to a buyer, or they appear in inspection. Either way, you pay for them one way or another.
The Smart Approach
Deal with it early, in a way that fits your real-life situation.
Most people don’t ignore warning signs because they don’t care. They ignore them because it’s inconvenient or because the timing is hard financially. That’s understandable.
But if you want to avoid the big bills, the pattern is simple. Take car warning signs seriously, get them looked at early, and sort the small fixes before they turn into bigger jobs.
If the only thing stopping you from acting is the upfront cost, this is exactly where finance for car repairs can help. Instead of delaying the work and risking escalation, spreading the cost can make it easier to deal with the problem while it’s still manageable.
Want to Stop Small Faults Turning Into Big Repairs?
If you’ve spotted one of those car warning signs and you’re hesitating over cost, then Payment Assist makes the decision easier. We help you deal with repairs of all sizes by giving you the option to spread the cost of the work. Whether it’s servicing, MOTs, or major mechanical repairs, you get manageable monthly payments with 0% interest.
We already partner with thousands of garages across the country. You can find your nearest one here or get in touch with our team if you have any questions.
FAQs
What are the most common car warning signs drivers ignore?
Brake noises, dashboard warning lights, fluid leaks and tyre wear are some of the most overlooked car warning signs. Catching them early helps prevent small car faults from turning into big repairs.
Can small car faults turn into big repairs?
Absolutely. Many minor problems escalate within weeks or months if left untreated. Ignoring car problems often increases both labour time and parts costs.
Can I get finance for car repairs if the bill isn’t huge?
Yes. Finance for car repairs is often available for mid-range costs like brakes, clutches, servicing and MOT work, helping you spread payments into manageable instalments.
Is Buy Now, Pay Later available at most garages?
At Payment Assist, we partner with thousands of UK garages and dealerships, making flexible repair finance widely accessible across the country.
Does spreading the cost help avoid bigger repair bills?
Sorting issues early and spreading the cost can reduce the risk of escalation. Acting quickly prevents minor faults from developing into more serious mechanical failures.
Further Reading
- Why Responsible Buy Now, Pay Later Works for Car Repairs
- Common Car Repairs Ranked by Cost
- Preventative Car Maintenance and the Smart Way to Pay for It
- Budgeting for the Total Cost of Running a Car
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.
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.
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.
Further Reading
- Budgeting for the Total Cost of Running a Car
- What’s Driving Growth in the Used Car Market?
- What to Do When You Get an Unexpected Car Repair Cost
- Why Are Car Repair Costs Higher in Winter?
[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.
When a customer can’t afford a repair, it affects both them and you:
- They drive away in a potentially unsafe car, feeling worried and unhappy.
- You lose out on work and the chance to help them.
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.
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.
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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” bg_color=”#F2F5F7″][vc_column][vc_column_text css=””]When a car is damaged, deciding whether to repair it or replace it can be a tricky choice for many drivers. A recent survey has shed some light on the tipping point at which motorists might decide not to repair their damaged cars and why they might replace them instead. If you run a garage or repair centre, getting a handle on this tipping point and offering flexible finance options can help to increase repair rates. That means your customers can get their cars back on the road rather than feeling forced into an expensive write-off.
Car Repairs Can Be a Real Financial Struggle.
It’s no surprise that the rising cost of car repairs leads people to toy with fixing versus replacing a damaged car. When something major like engine repairs, wheel repairs, or bodywork is needed, a lot of drivers face that same dilemma. The survey – conducted by CarGurus – interviewed 1,000 motorists across the UK.
It found that an unexpected repair bill of £772 is one of the three breaking points that prompt drivers to consider their car a write-off, and look for a new vehicle. Once repair costs approach or exceed this amount, the financial burden can feel overwhelming, especially for those with tight budgets. This explains why nearly three-quarters (72%) of participants in the study said they’d feel stressed at the thought of having to spend money on unplanned car repairs.
Why Do Drivers Go for a Replacement Over a Repair?
There isn’t any single answer to this question, but it seems that the decision to replace a car instead of repairing it stems either from financial limitations or the perceived value of the vehicle. For example, if a car is worth £3,000 and the damage requires £2,500 worth of repairs, it’s easy to understand how this might be seen as a bad investment. They might believe that spending nearly the car’s worth on repairs doesn’t make sense, especially if it’s an older car that might need more repairs in the future.
Convenience could be another key factor.
The cost and hassle of repairs – and the fear of recurring issues – can make buying a new car seem like an easier and more financially sensible option. This is exacerbated by the fact that many new and second-hand dealerships offer finance options to make accessing a new car easier. Immediate financial pressures of car repairs can make it feel difficult or impossible to spend a large, upfront sum on car repairs.
That’s Where Flexible Finance Options Can Help
Flexible finance solutions can help motorists take the necessary steps to repair their damaged cars without having to face the full financial burden upfront. They provide a way to spread the cost of repairs over a manageable period, which makes paying for big jobs like engine repairs, bodywork, or wheel repairs much more feasible.
For lots of customers, this is a massive difference.
The ability to break down the cost of car repairs into smaller, more affordable payments might be the deciding factor between repair and replacement. If you offer interest-free, straightforward payment plans, you can ease the financial strain of the repairs and make it easier for drivers to choose fixing their car over scrapping it and getting a new one.
Why It’s Important to Understand the Tipping Point
If you own a repair centre or garage, you’ve got to get a handle on your customers’ tipping point when it comes to the cost of repairs. This is mainly because it helps you tailor your services and makes them more accessible, but there are other brilliant advantages, too.
Flexible finance could improve retention and trust.
Across sectors, we know that the outlook of customers changes when they feel valued and seen. You can promote a real sense of loyalty by showing your customers that you take their concerns seriously and that you identify with their real-life situations. This boosts confidence both in the repair process and the people who provide it.
Looking for a Flexible Finance Partner?
When your customers are faced with high costs, Payment Assist can help you to help them. Our service helps to break down substantial repair fees into manageable, interest-free monthly payments. Instead of feeling overwhelmed, your customers gain confidence, trust, and a sense of control over their finances.
With Payment Assist, you can:
Offer Interest-Free Payments: Customers pay no additional charges.
Maintain a Simple Application Process: Quick, transparent steps.
Provide Customisable Plans: Tailor instalments to each customer’s circumstances.
Promote Customer Retention: A supportive payment structure encourages repeat visits.
To find out more about how Payment Assist can support your business, get in touch with us today. Our team will be happy to help you.[/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 kind of costs can Payment Assist cover?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]Most common repair expenses, from minor jobs to bigger mechanical ones, can be covered.
[/vc_column_text][/vc_tta_section][vc_tta_section title=”Are payment plans complicated to arrange?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]No, arranging a plan is very straightforward. You can find out more here.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Is interest applied over time?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Payment Assist provides interest-free instalments, keeping the total cost unchanged.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How quickly can a plan start once approved?” tab_id=”1737385974287-d4c8ce26-7cd5″][vc_column_text css=””]Approved plans begin promptly so that essential repairs can proceed without delay.[/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=””]Running a garage or repair centre is obviously centred on keeping vehicles on the road, but anyone who’s worked in the industry knows that’s not where the job ends. If you can offer a service that keeps your customers happy and coming back, the benefits are incredible.
For many, car repairs are unexpected and expensive, which is why offering flexible finance like that offered by Payment Assist can be a real game changer. Not only does it provide convenience to the user, but it’s also a great way to grow your customer base and improve your garage cash flow. Let’s have a closer look at how it can help.
Meet Customers Where They Are Financially
Sadly, cars don’t wait for a convenient time to break down. Despite this, your customers still need their vehicles fixed, but repair costs can be a real problem for their budget. By providing flexible finance options through Payment Assist, you’re helping them to spread the cost into manageable payments.
This is good for the customer and good for your business.
In our experience, customers are much more likely to approve larger repair bills when they know they can pay them over time. What does that mean for you? More high-value jobs, less haggling over prices, and fewer customers walking back out the door.
Grow Your Customer Base
Not only does flexible finance keep your existing customers happy, but it also helps you bring in new ones. People talk. When they know your garage offers options that ease financial pressure, they’re more likely to recommend your services to friends and family.
In a competitive marketplace like auto repairs, standing out is non-negotiable. Flexible finance options give you an edge, making your garage a go-to choice for people who want quality service without a crippling upfront bill.
Improve Your Garage’s Cash Flow
Running a garage means juggling costs for a lot of owners. From parts and tools to staff wages and overheads, you’ve often got a lot of irons in the fire. Flexible finance can help you smooth out cash flow issues.
With Payment Assist, you get paid upfront for repairs.
Customers repay Payment Assist over time, but you don’t have to wait for instalments. That means no delays in settling supplier invoices or reinvesting in your business. Steady cash flow leads to far fewer financial headaches and a more stable operation.
Upsell Without the Hard Sell
Offering flexible finance to your customers takes the sting out of upselling. Premium parts or getting any extra work done quickly can have a massive long-term benefit for people using your services, but if they don’t have the funds to pay for it upfront, they probably aren’t going to appreciate getting the hard sell.
With finance options, these upgrades become a lot more accessible. You can explain why going for a slightly more expensive service might save your customer money in the long run and how splitting the costs over time won’t be a big financial strain.
Reduced Declined Repairs
Without finance options, some customers might need or choose to turn down repairs. This can lead to dissatisfied customers and vehicles that come back with bigger issues down the line. Flexible finance removes that barrier.
When a customer can spread the cost, agreeing to large repairs on the spot becomes easier. That helps your garage run efficiently and reduces the time spent chasing return visits or negotiating a lower quote.
Save Time on Payment Chasing
Payment delays can really disrupt your garage’s operations. Chasing customers for unpaid bills takes time and resources, both of which could be better spent elsewhere. With flexible finance, you eliminate the hassle. Customers pay their first instalment at the garage, and Payment Assist handles the rest; no awkward follow-ups and no unpaid invoices.
Boost Your Customers’ Trust
When you offer flexible finance options, you’re showing that you understand – and take seriously – the needs of your customers. That builds trust, and trust encourages long-term loyalty. Customers are much more likely to use a business if they feel it’s taken the time to listen to their concerns and make them a priority. Plus, Payment Assist’s process is simple and transparent, helping you maintain your reputation for honesty and reliability. There aren’t any hidden fees, and approval is straightforward.
Ready to Experience the Benefits of Flexible Finance?
If you want to grow your customer base, improve your garage’s cash flow, and build long-lasting customer loyalty, then Payment Assist makes it simple. Offer your customers a hassle-free way to spread repair costs while you enjoy the advantages of upfront payments and a streamlined service.
There’s no setup cost, and approval is quick and easy. Payment Assist handles the admin, so you can focus on running your garage. Plus, with no interest charged to timely-paying customers, it’s a win-win. Sign up for Payment Assist today or get in touch to see how flexible finance can upgrade your business.[/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=”Would Payment Assist’s flexible finance benefit my garage?” tab_id=”1737384494324-47f451c9-dcc4″][vc_column_text css=””]Yes – garages receive full payment upfront while customers pay back in instalments. This boosts cash flow and removes the need for payment chasing.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Are customers charged interest with Payment Assist?” tab_id=”1737384494333-2b345e34-a0ee”][vc_column_text css=””]No, as long as the customer pays on time, they won’t incur interest or extra fees. It’s simple and transparent.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Can I set a minimum spend threshold for my customers’ finance options?” tab_id=”1737384604998-fa47e8ce-c0ba”][vc_column_text css=””]Yes, garages can set limits for offering Payment Assist, ensuring finance is available for higher-value repairs.[/vc_column_text][/vc_tta_section][vc_tta_section title=”Does Payment assist work for smaller, independent garages?” tab_id=”1737385974287-d4c8ce26-7cd5″][vc_column_text css=””]Absolutely. Payment Assist is designed to suit garages of all sizes, making it perfect for independent businesses looking to grow.[/vc_column_text][/vc_tta_section][vc_tta_section title=”How complex is the Payment Assist process?” tab_id=”1737385997221-4f076067-44e8″][vc_column_text css=””]It’s not complex at all. Payment Assist’s team provides full support, so integrating flexible finance into your garage is quick and straightforward.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row]
