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Home » Bad Credit Loans

Car Repair Loans

Get quick, flexible car repair loans up to £1,500 to cover unexpected expenses. Easy application, fast approval. New customers max £600.
No Hidden Fees
Same Day Cash Transfer
Flexible Repayments
Your Details Are 100% Secure
No Guarantor Required
FCA Authorised

I Would Like To Borrow

£500
£300 £1500
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Month 1

£

Month 2

£

Month 3

£

Month 4

£

Month 5

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Month 6

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Representative example: Borrow £300 for 3 months - Interest payable £154.38 - Total amount payable: £454.38 in 3 instalments - 3 payments of £151.46 - Representative 1,298.25%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,623.90%
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As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer. *Applications submitted outside normal business hours will be processed on the next working day. *All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1,298.25% APR / Interest rate 292% per annum (fixed) / Maximum APR 1,623.90%

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What Is A Car Repair Loan?

A car repair loan is a short term loan to pay for car repairs, and can be the difference between resolving urgent car issues now or having to wait until your next payday. If you don’t have the savings or available cash to cover it, a loan for car repairs can help get you back on the road sooner. Ideal for any vehicle-related expenses that are unplanned, these quick loans can be applied for online and if approved, give you the cash you need the same day where possible.

We all know that car ownership can be expensive, and there are all sorts of situations where an emergency car repair loan can help. From complete engine failures and transmission problems to exterior damage to the bodywork from a collision, these loans provide the necessary funds to cover costs that might otherwise be unaffordable to pay in one go. In the same way that our loans can give you flexible repayments, a loan for car repairs can be particularly useful if repair expenses exceed your savings or the repair work cannot wait until your next salary date.

You can choose the amount you need based on how much the repairs are going to cost, between £300 and £600 for new customers and up to a maximum of £1,500 for returning customers. Then simply choose repayments between 3 – 6 months that match what you can afford to pay each month. At QuidMarket, we can make it easy to get the funds you need, even with a poor credit history.

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Trusted FCA Lender

As FCA approved direct lenders, at QuidMarket we’re dedicated to responsible lending and are happy to consider bad credit loans for customers who may have been rejected elsewhere. Our core values of integrity, respect, transparency, and fairness are at the heart of everything we do. We understand the importance of treating our customers fairly and providing responsible lending options, which is why we prioritise your financial well-being above all else. We offer flexible and affordable loans for people with bad credit that are designed to help you with unexpected expenses, so we’re here to help when you need it most.

£346k+
Successful approved loan applications.
£144m+
Lent to customers in short term loans.
6,720+
5 star customer reviews on Trustpilot.
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How Do Car Repair Loans Work?

With our car repair loans able to provide immediate financial relief whenever you need it, we aim to help you tackle necessary repairs fast without the financial strain. If you can sustain repayments on the loan amount you need for up to 6 months, we can look to help you today so that your vehicle issue can be repaired and resolved quickly.

Whether you need a £300 loan to cover minor expenses as a new customer or £1000 loans for major repair work as a returning customer, all you need to do is fill out our easy application with a few important details, and where possible we’ll be able to give you a quick decision today.

To be eligible to apply for a car repair loan, you’ll need to meet the following eligibility requirements:

  • Between 23 and 65 years old
  • Be a current UK resident
  • Have a UK bank account and a valid debit card
  • Have a valid mobile number to receive text messages
  • In employment with a take home salary of at least £1,250 per month
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How QuidMarket Can Help

We’re happy to help provide a car repair loan to those who need it, no matter your credit history. (Based on creditworthiness and affordability checks) With other online loan options requiring you to have a good credit score, we look at your finances as a whole, taking a human approach to lending that focuses on what you can afford to pay. This makes our loans more accessible and easier to apply for, all whilst ensuring the loan is affordable for you.

As Financial Conduct Authority (FCA) authorised direct lenders, we take responsible lending seriously – we cannot guarantee your application will be approved, but we’ll always look to help where other lenders may not. We understand that car repairs can happen to anyone, so having a poor credit history is not an obstacle to approval. If we can see a car repair loan will help you and can be sustained, we’re ready to help.

We also offer applicants much-needed flexibility, so our loan amounts and repayments can fit your specific needs and budget rather than the other way around. This helps to make the loan manageable and sustainable for the whole term.

Our streamlined approval process means all applicants receive quick decisions, which means faster access to funds. The entire process is transparent, with no hidden fees either. By choosing QuidMarket for your car repair loan, you can return to normality fast.

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  • 01 Choose An Amount and a Repayment Term

    Tell us how much you want to borrow and how long for and fill in your details on our short application form. We’ll provide you with a quick decision for provisional approval if we can help.
  • 02 Fast Approval, Faster Cash

    If accepted, our team works quickly to assess your affordability and once this and credit checks are completed, your approved loan funds will be transferred to your bank account.
  • 03 Repay the Easy Way

    To make repayments as simple as possible, a Continuous Payment Authority (CPA) will be created on your bank account. All you have to do is ensure enough funds are available in your account on your repayment date each month.

Reviewed By A Person, Not A Robot

We ensure that when you apply for a loan with bad credit, your application will be reviewed by our team of human underwriters. This means we can focus on affordability and what’s important for you, helping you get the cash you need fast.

£346k+
Successful approved loan applications.
£144m+
Lent to customers in short term loans.
6,720+
5 star customer reviews on Trustpilot.
couple talking to a business man
man shaking hand with women
couple talking and reading over papers
man stressed out over papers

How Our Loan Repayments Work

Repaying your car repair loan at QuidMarket couldn’t be simpler with our straightforward and stress-free repayments. Once your loan is approved and you’ve received the cash, you only need to ensure that your bank account has sufficient funds available each month before your repayment date. This is because a CPA will take the agreed repayments, which will be automatically set up on your bank account.

We ensure that every loan for a car repair that is approved has manageable monthly instalments. A loan needs to be sustainable for you whether it’s for 3 months or 6 months, so we take the time to ensure the loan matches your budget. If it doesn’t, we won’t be able to help today, so you’ll need to check the loan you want is affordable for you before applying.

This repayment flexibility is available to all our customers, whether you are a new customer looking for same day loans or a returning customer. Simply tell us how long you want to borrow for, and we’ll see what we can do to help today.

 

icon check image Easy To Apply Our loan application process is easy to understand and can be complete in minutes.
wallet image icon Affordable Choose affordable, flexible repayments to fit your budget between 3 – 6 months.
thumbs up image Trusted Lender Transparency and fairness are our highest priorities. Bad credit loans with no hidden fees.

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Personal Car Repair Loan FAQs

Once your application is approved, we always look to transfer the funds to your bank account the same day within 2 hours where possible. The exact timing can depend on your bank’s processing times if they use the Faster Payments System (FPS), and whether you apply on a business day or weekend. Our opening hours are Monday – Friday, 8:30am – 4:30pm, so any applications made outside of these hours will be processed first thing on the next working day.

Yes, you can repay your car repair loan early if you want to without incurring any fees. Unlike other lenders, we do not charge an early settlement fee, so all you need to do is contact us to repay in full. We’ll give you an early settlement figure to check and then can process your payment the same day.

If you miss a repayment, it’s important to contact us as soon as possible. We can work with you to reschedule the payment at a suitable time or help you with a repayment arrangement. Please note that missing repayments can affect your credit score and make applying for credit in the future more difficult, so whilst we do not charge a late payment fee, it’s important to let us know if you are in any financial difficulties for us to discuss how we can help.

Yes, you can still apply for an emergency car repair loan even if you have bad credit. We assess all applications individually and consider factors beyond your current credit score, looking at your current financial situation and affordability. We aim to provide loans for various financial backgrounds, focusing on your ability to repay the loan rather than solely on your credit history. You should still think about whether applying for credit is the best option for you and whether there are any other options available to you first, such as emergency savings, that can help.

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Representative example: Borrow £300 for 3 months - Interest payable £154.38 - Total amount payable: £454.38 in 3 instalments - 3 payments of £151.46 - Representative 1,298.25%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,623.90%
Quidmarket is a trading name of Stagemount Limited Authorised and regulated by the Financial Conduct Authority, our firm reference number is: 677995. Registered Office; Stagemount Ltd, 8th Floor, Waterfront House, 35 Station Street, Nottingham, NG2 3DQ. Registered in England and Wales company number: 07259223. Data Protection: Z2501836. Copyright © 2025 QuidMarket Loans – Short Term Loans.
Warning: Late repayment can cause you serious money problems. For help, visit: www.moneyhelper.org.uk