Unsually, the SVN access is available for the developers only, simply to prevent the accidents made by the people who may not know the code or even want to demolish the repository. The patches can be sent via bugtrackers - you make a check-out, then modify your working copy. Because you cannot send your changes back with SVN, you create a diff file (patch) and publish it on project discussion board or bugtracker, depending on the issue it solves. If the users and the developers liked it, they would integrate it with the official repository. With a diff file, it is quite easy.
Note that sometimes it is possible to get your own branch of the project. For example, the open-source game OpenTTD offers git repositories for people who would like to maintain their own patches or new features. Other projects may use Launchpad.