Car Repair Loans, Loans for Urgent Car Repairs

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The cost of borrowing £300 over 6 months:

Fast Loan UK £507.48

Mr Lender £544.00

Cashasap £556.23

Lending Stream £579.00

Money Platform £586.26

Savvy £595.00

QuidMarket £596.46

Cash4unow £599.82

Fernovo £595.92

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Ticktock Loans £595.92

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Loan Pig £595.92

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Proud to offer the cheapest instant short term loans in the UK

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

Representative example:

Borrow: £300 over 8 months. 8 repayments of £70.31. Total amount payable £562.44. Interest rate: 130.21% pa (fixed). Representative APR: 840.75%

When your car breaks down, the timing is rarely convenient. A failed clutch, a sudden MOT failure, or even a simple tyre replacement can quickly become a financial burden, particularly if you don’t have spare savings available. Yet for many households across the UK, a car is more than just transport, it’s a necessity for commuting, family responsibilities, and daily life. Without it, everyday tasks become stressful and sometimes impossible.

That’s where car repair loans come in. These short term loans provide fast access to money when you need to cover essential vehicle repairs. At Fast Loan UK, we’re a direct lender committed to helping people in short-term financial difficulty, offering clear and flexible quick loan options tailored to your circumstances, even if you have a poor credit history.

What Are Car Repair Loans?

A car repair loan is a form of short-term personal loan specifically designed to cover the cost of urgent vehicle repairs. Unlike a standard bank loan, the process is faster and more flexible, giving you access to the money you need when the garage calls with the final bill.

Car repair loans are commonly used to cover:

MOT failures that require immediate fixes.
Replacement of essential parts such as brakes, tyres, or batteries.
Unexpected engine or clutch repairs.
Emergency roadside recovery costs that lead to further repair expenses.

Rather than being left without a vehicle or forced to borrow from friends and family, a loan for car repairs provides a structured repayment plan that allows you to spread the cost over time, with new customers able to spread repayments for up to 8 months and returning customers, up to 12 months.

Eligibility for Car Repair Loans

To apply for a car repair loan with Fast Loan UK, you must meet a few simple eligibility requirements designed to ensure responsible lending. Firstly, you must be:

Aged 18 years or over
Current UK resident
Be in Full-Time, Part-Time or Self-employment
Receive a regular income
Have a valid bank account and debit card

Applicants must have a regular source of income, whether from employment, self-employment, or certain benefits, so repayments can be managed comfortably.

You’ll also need an active UK bank account in your name to receive funds and make repayments. While we accept applications from those with poor credit, each loan is assessed individually to ensure that it is affordable. Meeting these criteria does not guarantee approval, but it helps us provide fast, safe, and fair lending decisions.

Why Do People in the UK Need Loans for Car Repairs?

According to research by the RAC, the average UK driver spends £300–£500 a year on unplanned vehicle repairs. For many families, that’s the equivalent of a month’s rent, council tax, or food budget. A broken car isn’t just inconvenient, it can prevent you from earning wages, taking children to school, or caring for relatives.

For someone already managing a tight household budget, finding an extra few hundred pounds on short notice isn’t always possible. That’s why loans for car repairs are often an essential financial safety net. They ensure that when life throws up the unexpected, you don’t have to face additional hardship by being without transport.

Car Repair Loans and Bad Credit

Many borrowers worry about applying for a car repair loan with bad credit. Traditional lenders, such as banks, may decline applications from people with less-than-perfect credit scores. At Fast Loan UK, however, we look beyond your credit history.

Instead, we focus on:

Your current financial situation.
Your ability to make repayments comfortably.
A fair assessment of affordability to avoid unmanageable debt.

This approach means that even if you’ve experienced financial setbacks in the past, you may still qualify for low credit score loans to get your car back on the road.

How Car Repair Loans Work with Fast Loan UK

We’ve designed our process to be straightforward and stress-free, because we know that when your car needs fixing, time is critical. First-time borrowers can borrow up to £800, while trusted returning customers can borrow up to £2000.

When you apply for a loan for car repairs with us:

You complete a simple online application.
We provide a fast decision, often within minutes.
If approved, funds are transferred directly, often the same day.
You repay in manageable instalments, over a term that suits your budget.

As a direct loans lender, we don’t pass your details to brokers or third parties. Everything is handled securely, transparently, and with your best interests in mind.

Responsible Borrowing and Alternatives

Before applying for any loan, it’s important to consider your options carefully. If you have savings set aside or can spread the cost directly with your garage, those may be cheaper solutions. Some drivers also use credit cards with low-interest offers.

However, when those options aren’t available, a short-term loan can be the most practical choice. At Fast Loan UK, we also offer other flexible, affordable loans that may suit your needs, including low APR loans, £400 loans, and 6 month loans.

By exploring all your choices first, you can be confident that a car repair loan is the right solution for your circumstances.

Why Choose Fast Loan UK?

When choosing a lender for your car repair loan, it’s important to know you’re in safe hands. Fast Loan UK is:

A direct lender: we process your loan ourselves, not via brokers.
FCA regulated: ensuring fairness, transparency, and responsible lending.
Focused on supporting people in short-term financial difficulty, not excluding them.
Known for quick approvals and same-day transfers.
Dedicated to offering clear repayment terms with no hidden charges.

We understand that financial stress can feel overwhelming. Our goal is to make the process as simple, transparent, and supportive as possible. If you need any help, please contact us today, and if you’re ready to see if you’re eligible for car repair loans, start your application today.

Car Repair Loans FAQs

How much can I borrow for car repairs?

The amount you can borrow for car repairs depends on your individual circumstances, including your income and repayment ability. Typical loan amounts for car repairs range from £200 to £800, covering most emergency repairs, MOT fixes, or replacement parts. The exact amount approved is based on a responsible assessment to ensure you can comfortably repay without overextending your finances. At Fast Loan UK, we tailor each loan to your needs, providing a flexible, short-term solution so you can get your car repaired quickly and safely.

How quickly can I receive the money?

Once approved, funds from a car repair loan can usually be transferred on the same day. Fast Loan UK prioritises speed because we know that vehicle repairs are often urgent. After submitting your online application and completing our verification process, the money is sent directly to your bank account. This allows you to pay your garage immediately and avoid extended delays. Even if your credit history is less than perfect, our direct lending process ensures that qualified applicants can access funds quickly when they need them most.

Can I apply with bad credit?

Yes. At Fast Loan UK, having bad credit does not automatically disqualify you from applying for a car repair loan. We assess applicants based on affordability rather than solely on past credit history. This means that if you have a steady income and can demonstrate the ability to repay the loan responsibly, you may still qualify. Our goal is to provide support to those facing short-term financial difficulty, ensuring that urgent car repairs are accessible even when past financial challenges exist.

What if I can’t make a repayment?

If you encounter difficulties making repayments, it’s important to contact Fast Loan UK immediately. Ignoring missed payments can create additional financial stress, but we aim to provide solutions, such as adjusting your repayment schedule. Each case is assessed individually to find a fair outcome. Responsible lending means helping borrowers manage repayments safely without creating unmanageable debt. By communicating early, you can maintain a good relationship with your lender and prevent minor setbacks from becoming major financial problems.

Car Repair Loans

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