If you need some help with unexpected servicing costs then we can help with a monthly payment option on 0% Finance with no fees, a little extra help during these uncertain times

Frequently Asked Questions
WHAT IS 0% AFTERSALES FINANCE?
Our 0% Aftersales Finance is provided by Bumper International Limited. Bumpers oﬀering is one that was designed for the automotive sector, with the intention to ease the burden of the unexpected bill that you may have when your car is taken for a Service or MOT, or when the garage has carried out a vehicle health check. Whilst you may have budgeted for the original work, when your car needs more parts, this additional cost can make a dent in your ﬁnances, sometimes meaning that the critical work that your car needs to make it roadworthy is put off until you can afford this extra cost.
We are here to help. Spreading the cost of this work means that your car is roadworthy and you can remain driving safely, whilst paying for the work over an extended period.
Do You Carry Out A Credit Check?
Yes. When you apply we run a soft search to check your eligibility, which doesn’t affect your credit score. As PayLater is now regulated, we also carry out a proportionate affordability check to make sure the repayments are manageable for you. We report the status of your agreement to credit reference agencies each month, and your repayment history may be reflected in your credit file.
What If I'm Not Accepted?
You won’t be able to use PayLater on that occasion, based on our checks. Contact our support team if you’d like to understand more, though we can’t always share the detail behind a credit decision.
Can I have More Than One PayLater At A Time?
Possibly. Each PayLater is a separate agreement and is assessed on its own, taking account of any existing Bumper agreements and whether the new repayments are affordable for you.
What Can PayLater Be Used For?
Spreading the cost of car repairs, servicing, MOT, warranties and accessories. It’s up to each partner what they accept PayLater for, so please check with them first. However, PayLater may not be used for the purchase, lease or acquisition of a vehicle or funding any negative equity in any vehicle.
How Are My Payments Collected?
By recurring card payment from the card you provide, on the dates set out in your agreement, together with any other amounts due.
Do You Charge For Repaying Early?
No. There are no early repayment charges. You can repay anytime using the payment link at the bottom of our emails, or call 0800 612 0946.
What If I Miss A Payment?
A missed payment fee of up to the lesser of £20 or 10% of the total amount of credit may apply, and missed payments may affect your credit score. We understand circumstances change. If you think you might miss a payment, please contact us early and we’ll do our best to help.
How Do I Update My Card Details?
Call our support team on 0800 612 0946 (Mon-Fri 8:30am-6:00pm, Sat 9:00am-12:30pm).
What If I Can't Keep Up With My Payments?
Please contact our support team as soon as you can. We’ll aim to agree an arrangement to pay that’s manageable for you.
How Does A Repayment Arrangement To Pay Affect My Credit File?
We report the status of your agreement to the credit reference agencies each month. A repayment arrangement to pay is reported because the original terms have changed, but it isn’t recorded as a late payment.
What If I Need Extra Support, Or Help Understanding PayLater?
Yes, and you don’t need to wait until something goes wrong. If anything would help us support you, tell us as you go through your application: for example, if you’d like to be sure you understand how PayLater works before you commit, you need information in a different format, or you want us to know about a health condition, a bereavement, money worries or any other circumstance. You can also tell us at any time afterwards if things change. You only need to share what you’re comfortable sharing, whenever feels right, and we’ll treat it sensitively and in confidence. Call us on 0800 612 0946 or email support@bumper.co.

Bumper International Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Number 1024048). Details on the Financial Services Register. PayLater is an interest-free regulated credit agreement provided by Bumper International Limited. No set-up fees. Late payment fees may apply. Borrowing more than you can afford, paying late or missing payments may negatively impact your credit score and your ability to obtain credit in the future. Credit is subject to status. 18+, UK residents only. Ts&Cs apply. If you are worried about borrowing or repayments, free and impartial debt advice is available from MoneyHelper at moneyhelper.org.uk.

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Company Info

Oxford Road, Bodicote, Banbury, United Kingdom, OX15 4AB

Reg Office: Oxford Road Bodicote Banbury Oxfordshire OX15 4AB United Kingdom

Reg. Company Number: 4327345

VAT Reg. No. 78122283

FCA number 585126

Jaydee Motors Limited T/A Jaybee Motors is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Jaydee Motors Limited T/A Jaybee Motors to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only.

We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.

Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.

Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.