Need help buying a car?

Let us help you find the right finance option and car for you.

Personal Loans

Our Personal Loan offers you the option to borrow the money you need, direct to your current account. Giving you the option to buy the car you want from a dealer or private seller.

Good if:

  • you’d prefer to own the car from the start and also have the option to buy the car from a private seller
  • you like the flexibility to be able to change your car whenever you decide
  • you’d like to borrow an amount which isn’t just for the car (e.g. settle an existing loan, purchase a roof rack)

Exclusive features

  • Apply for up to two repayment holidays*
  • Borrow from £1,000 to £50,000.

In some cases, we may do a credit search when you apply

*your repayment term will be increased and you will pay more interest overall

Personal loans

Online Car Finance (HP & PCP)

Car Finance direct from your bank. With our online application you can choose from Hire Purchase (HP) or Personal Contract Purchase (PCP) to finance a new or used car - when you are ready we pay the dealer directly.

Good if:

  • you want us to pay the dealer direct so you can simply collect the car and maintain the monthly payments
  • you want a finance option that allows you to decide at the end of the term to keep or return the car*
  • you want extra peace of mind - we’ll work with you and the dealer to help settle any disputes.

Exclusive features

  • Get a personalised quote, with no impact on your credit score.
  • Borrow from £3,000 to £60,000.

*(based on PCP only – return conditions apply), You can’t sell the car until the finance is settled and If you don’t keep up with the repayments your car may be at risk.

Car Finance

Dealer Car Finance (HP & PCP) - Black Horse

Black Horse (part of Lloyds Banking Group) provides finance directly from your dealership, with Hire Purchase (HP) and Personal Contract Purchase (PCP) options available on a range of vehicles.

Good if:

  • you'd like the convenience of your dealership taking care of applying and arranging your car finance deal on your behalf
  • you'd like to part-exchange your vehicle in one simple transaction; your dealership can pay-off your finance and set-up a new deal for you*
  • you want extra peace of mind - we’ll work with you and the dealer to help settle any disputes

Exclusive features

  • Some dealers offer promotional finance and incentives such as deposit contributions or a servicing package – It is advisable to research all of your options before you visit the dealer to negotiate the best deal
  • Our close relationship with over 4500 dealers nationwide means we can offer you excellent customer service and personalised finance at locations near you.

*Subject to type of existing finance. You can’t sell the car until the finance is settled and If you don’t keep up with the repayments; your car may be at risk

Black Horse

Personal Leasing - Lex Autolease

Lex Autolease (part of Lloyds Banking Group) are the UK’s largest vehicle leasing and fleet management company. Personal Leasing through Personal Contract Hire (PCH) could be an affordable option for you to drive a brand new vehicle without the associated risks of ownership.

Good if:

  • you don't want to own the vehicle
  • you'd like the option to include maintenance within your monthly rental, helping to take away the hassle and worry of your vehicles upkeep
  • you don’t mind not owning the vehicle. When your contract is over simply hand the vehicle back with no further charges* and lease a new vehicle if you wish, subject to status.

Exclusive features

  • Often there are special offers on selected manufacturers and models - check the deals available to you.

*There will be no further charges if; your contract has run its full term, you have not exceeded the annual mileage allowance and the vehicle is returned in good condition.

Lex Autolease

Lending and rate are subject to an assessment of your circumstances