Loans for car repair and battery

from £100 to £2,500

Speedy payment

Small loans can be sent today.

No obligation quote

Instant quote with a soft search and no fees.

1000's of people helped

Over 7500+ no-obligation quotes processed daily!

Cars don’t wait for a convenient moment for something to go wrong, so it is always a good idea to have a plan in place. Having a savings buffer is the ideal solution. However, an unexpected repair can come out of nowhere, and sometimes, these can be expensive, especially with the cost of car repairs rising. Fortunately, there is a solution. Taking out a loan for your car repairs can save you a lot of hassle and stress, allowing you to spread the costs over an agreed time period. Getting you back on the road in no time.

Why are car repair costs rising?

With rising operational costs and inflation pressures, car repairs cost people more than ever. A report by Motor Ombudsman, the automotive dispute resolution body, has found that independent garages are paying 58% for replacement parts due to shortages and inflation, and with more people putting off paying for essential work to be carried out, it is costing them more in the long term. It suggests that independent garages are under more pressure to hire qualified technicians to keep up with the work being carried out.

 

Why should you take out a loan for car repairs

The longer you avoid essential car repairs, the more it could end up costing you. Motorists are putting off car repairs more than ever, but this may not save you money in the long term. Some of the reasons you should have car repairs carried out include:

  • Replacing parts early will prevent breakdowns in the future, saving costs on repairs of full car systems such as your engine and suspension
  • Having car repairs carried out when notified will help to save costs on fuel by giving you better fuel economy
  • Not having car repairs carried out can put you and other drivers at risk, not at least costing you more in repairs
  • Not keeping up with car repairs will lower your car’s resale value when you want an update

Short term loans for car repair

If you don’t have any savings to fall back on and have exhausted all other borrowing options, then a small, short-term loan can help. You can borrow what you need, cover the cost of that necessary car repair, and then repay your loan over an agreed period of time, usually a few months.

Taking out a short-term loan rather than a traditional payday loan allows you to spread the cost of borrowing in affordable instalments, rather than repaying the loan and interest in full on your next payday. You can get back behind the wheel, knowing you have a plan in place.

Short-term loans are there to support you in a financial emergency and you can apply with us wherever you are, at any time of day. All you need is internet access on your device. If you need to pay for a breakdown call out charge, you can apply for a loan by the roadside. If you are approved, you could have the money in your bank account today#.

We offer access to loans from £100 to £2,500, a range that can help you cover all sorts of car repairs. Plus, by carrying out a soft search on your credit score before you submit your application, our panel of lenders can indicate how likely you are to be approved before your credit score is impacted.

This is because a soft search leaves a footprint only you can see – it isn’t visible to others who may search your credit report. If we’re not able to help and your application is declined, then there’s no impact on your credit score. If one of our lenders is likely to accept your application and you decide to go ahead, then they will carry out a hard credit check – the kind that does leave a footprint on your credit report – and affordability checks.

Trustpilot

Representative 89% APR

Representative Example: Representative example: Amount of credit: £1000 for 18 months at £102.42 per month. Total amount repayable of £1843.60 Interest: £843.60. Interest rate: 89% pa (fixed). Representative 89% APR. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Individuals with a good credit score may have access to cheaper interest rates. Interest rates associated with short-term loans tend to be higher than those of traditional personal loans. Loan term lengths from 3 to 36 months. Subject to lender’s requirements and approval.

Sunny Loans is a registered trading name of Upward Finance Limited, who is an appointed representative of Flux Funding Limited, who is a credit broker, not a lender. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk.

Loans for car repair Information Hub

Want to know more about borrowing for car repair. We answer our most commonly asked questions below:

  • How to prepare for car repairs?

    Wear and tear are inevitable with any working machine, so preparing for these costs will give you peace of mind when they inevitably occur.

    Know when your MOT is due. This will allow you to put money aside to cover any repair costs if your car fails.

    Keep track of your miles – you can find out how long components such as a cam belt, clutch, and tyres will last by the miles they have done. Look back in your logbook to see when these were last replaced so you can prepare yourself for when they may next need replacing.

    Use free safety checks—You can check your car for free at Halfords and Kwik-Fit. This is ideal if you are preparing for a long journey or feel something isn’t quite right. By spotting any need for repairs early, you will save a lot more and prevent roadside recoveries.

  • What are the average costs for car repairs?

    We’ve looked around to find the average costs to give you an idea of how much you may need to apply for if you decide you need a short-term loan for car repairs.

    Home emergency What could you be dealing with? Average cost to repair
    Replacement car battery £40-£100 It’s usually cheaper if you buy a battery yourself from somewhere like Halfords, and then have it fitted while you’re there or later by a professional. If you can get to a garage and avoid having a new one installed by your breakdown company, you can save money.
    New tyres £45 – £100 per tyre The type of tyres your car requires and the type of driving you do can make a big difference to the cost of replacement. Basic replacement tyres can be cheap but may not last as long.
    Alternator £250 – £450 Although the part seems small, replacing an alternator is a fairly big job. Get some quotes from local garages to compare before you commit.
    Clutch £300-£600 While clutch failures are more common on older cars, age isn’t the only cause. Leaking oil or hydraulic fluid can also cause clutch issues. As the average cost to replace a clutch is expensive, it’s a good idea to shop around and get quotes from a few garages to find the best price.
    Misfuelling £500 – £3,000 If you don’t realise straight away, then it will become a very expensive mistake to fix. Sometimes this type of repair is covered by your insurance, so it’s worth checking if you can claim back what you’ve spent once you’ve got your car sorted.
    Brake pads  £188 – £280 The make and model of your car can have a big impact on the cost of replacement brake pads. Where you are in the country can also make prices above or below average.

  • What can you do to prevent car repairs?

    Knowing how you can keep your car running smoothly will help to prolong the life of your car. Here are some ways you can do so: 

    Top up your engine’s oil – engine oil keeps your transmission lubricated and running smoothly, but not keeping on top of your engine oil level will put stress on the entire engine and inevitably cause problems.

    Keep tyres inflated – having flat tyres increases the likelihood of a puncture, especially when driving over potholes or sharp objects. Keeping tyres at the right pressure level will also save money on fuel.

     

    Maintain coolant level – coolant helps to prevent your car from overheating, so ensuring it is at the right level is important. Keep a bottle of coolant in the boot of your car, just in case.

    Keep your car clean – dirt buildup can cause your car to rust, increasing the likelihood of repairs.

    Use less clutch – when stopped at lights, putting your car into neutral means that you use less clutch and won’t be riding the clutch as much.

    Stick to the rules of the road – keeping to the speed limit will not only keep you and other drivers safe, it will also maximise the life of your car. Putting less pressure on your gearbox and reducing the amount of work your tyres and brake pads do will save you money in the long term.


Read more FAQ's

Need a loan?

If you’re dealing with a car repair emergency and feel a short-term loan is your best option you can apply for one with Sunny today. Hit the link below to fill in a no-risk, soft search application and we’ll come back to you with an instant decision from our panel of lenders.

Apply Now!

An eligibility check will assess whether you meet the lending criteria for a panel of lenders. Even if you are eligible, they may still require proof of ID and/or proof of income before they approve the loan.