Loans for car repair and battery

from £100 to £2,500

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Cars don’t wait for a convenient moment for something to go wrong; repairs can be required at any time and anywhere, which is why it’s always a good idea to have a plan in place. While having a savings buffer to help you out when the unexpected strikes is recommended, less and less of us are finding ourselves able to regularly add to our savings pot. According to the Money Charity, almost 10 million households in the UK have no savings whatsoever. So, what do you do if you fall into this category and suddenly find yourself in need of cash to cover car repairs?


If you have access to a savings account take the amount required to cover the cost of your repair from this. You won’t need to worry about paying back what you’ve used, with interest, and you can build it back up over time.

Speak to friends and family about borrowing from them

Parents, siblings and even friends can lend a hand when you need to cover the cost of unexpected car repairs. Have a chat about the money you need, how much they can lend you, and when and how you’ll be able to pay this back. Ensure everyone is comfortable before going ahead.

0% interest credit card

If you have one of these, you can use it to cover your car repair costs and then pay it back as normal. Always pay back at least the minimum payment each month to keep the 0% offer, and make sure that you still have plenty of time to clear the balance of the card before the end of the 0% interest offer.

Short-term loan

A short-term loan should only ever be considered as a last resort when you don’t have another option to finance your car repairs. But, they can be a useful way to access the money you need to pay for a mechanic quickly if you’re in a pinch.

Loans for car repair

If you don’t have any savings to fall back on and have exhausted all other borrowing options then this is where 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 have to repay 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 partner’s 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.

Representative 89% APR

Representative Example: Borrowing: £1000 for 18 months, Total Repayable: £1853.43, Total Interest: £853.43, Interest Rate (Variable): 89.9%. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. 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 introducer 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

Loans for car repair Information Hub

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

  • Some of the most common reasons for car repairs or breakdowns include:

    • A faulty or flat battery – This is common during the winter when cold weather and more hours of darkness prompt you to use your heating and lights more, both of which require the battery to work harder
    • Damaged tyres (flat, punctured or burst) and wheels – Whether you’ve hit a pothole, driven over something sharp or the tread has gone completely, new tyres can be a pricy and unexpected repair to make
    • Faulty alternator – Alternator failures are extremely common. A fault with the bearings can make an alarming noise and cause the alternator to seize.
    • Clutch – The clutch is at work every time you stop, start or change gear in a manual car, and over time this can cause a lot of wear and tear. Clutch replacements are a common repair on older cars and can be an expensive one.
    • Wrong fuel in the car – Many people make the mistake of filling up and putting in the wrong fuel. This can damage the engine if it isn’t caught early.
    • Brake pads – Issues with these may be picked up during a routine service, but will need to be paid for as an additional cost.
  • 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 £35 – £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 – £300 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 £446 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 near £500, 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 Approximately £188 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.

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 broker partner's 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.