Car Loan
We Could Be Your Alternative To Used Car Finance
Borrow up to £15,000 from 14% APR
- This isn't used car finance, it's better
- Terms that suit you
- No hidden charges or fees
- Quick & easy Car Loan application
- Terms that suit you
- No hidden charges
- Easy Car Loan application
- This isn't car finance, it's better
Our Car Loan could be your best alternative to used car finance
Own your car from day one on flexible terms with no balloon payments
Our Car Loan could be your best alternative to used car finance
Own your car from day one on flexible terms with no balloon payments
Get a Car Loan for your dream car
Check out what our members were able to achieve when they got a Car Loan over used car finance 🚗
How to apply for a Car Loan
There are now two ways to apply online after checking our Car Loan calculator
Online form
New members can use our simple online application form to apply for their first loan
All we ask for is some basic information, and we’ll be in touch within one working hour to complete your Car Loan application – it’s that easy
Mobile messaging app
All members can use our secure mobile messaging app to complete a loan application
You can complete the full Car Loan application and ask us any questions all in one place – you can even ask us why we think we’re a better option than used car finance!
Don’t worry, all messaging on our app is encrypted, so your personal documents and data are all safe and sound
We could be your best alternative to car finance
Car finance seems like a viable option, right? Ask yourself this however, do you think they really have your best...
Why borrow with us?
We offer competitive interest rates
99% of our Google reviews are 5 stars
Repay with flexible repayments on terms that suit you
Get a decision on your Welcome Loan application within 2 working days
Keep your mind at ease with no fees or charges. Any questions? Just ask
Save whilst you repay and enjoy your savings once your loan is repaid
We could be your best alternative to car finance
Car finance seems like a viable option, right? Ask yourself this however, do you think they really have your best interests at heart? If only there was an alternative to car finance. Fortunately for you, there’s a local, affordable, ethical alternative to car finance that puts you in the driver’s
Why choose our Car Loan?
We are able to offer competitive interest rates compared to used car finance providers. You’ll never be charged more than 3% monthly interest – our Car Loan is even less!
99% of our 790+ Google reviews are 5 stars, something we are incredibly proud of. Our members show us lots of support and appreciation for the service we provide
Repay your Car Loan with flexible repayments on terms that suit you. We know everyone’s finances are different and there’s no one-size-fits-all approach, so we work with members to find the best possible way forward for your finances
Get a decision on your Car Loan within 5 working days. Speed matters and, with our experience, we are able to work quickly to get back to you with a decision and next steps
Keep your mind at ease with no fees, charges, or penalties – what you see on our Car Loan calculator is exactly what you get. If you have any questions about your Car Loan, repayments, or anything to do with your account, just send us a quick message on our secure messaging app
Save whilst you repay and enjoy your savings once your Car Loan is repaid. Everyone who borrows from us saves too, so you don’t have to stress once your loan is repaid. Leave your savings here to access our lower-interest loans and continue to save, or enjoy your nest egg and treat yourself
Looking for something a little different?
We offer a range of loan products other than our Car Loan, specifically designed to meet the needs of our members.
Looking to borrow a smaller amount? Making your life greener? Want a loan through child benefit? There’s a loan for everyone.
In the words of our members
What to expect
You can apply for a loan right away! Simply fill in our online loan application form and we’ll be back in touch within 1 working hour. We’ll then finish signing you up and guide you through the application process.
Our members most often find repaying through a standing order to be easiest option. If you are employed by one of our payroll partners, your loan repayments can be taken directly from your wages through payroll deduction, so you’ll never have to see the money leave your account. If you’d prefer to call into the office, feel free to pay by cash.
Interest on all of our loans is calculated daily on the reducing balance of your loan. With every repayment you make, you clear the interest accrued since your previous repayment and your interest is then calculated for your next repayment on the reduced balance – the lower your balance, the less interest you pay.
For our Welcome Loan, youcan set your repayment period at as little as 3 months and as much as 12 months. The maximum allowed repayment period increases for some of our other loans.
As a responsible lender, we will run a credit check on your first loan application. Our policy is that we may run a credit check on any loan application. Your application will be assessed based on your credit file, affordability, and your personal circumstances, not just your credit file alone.
