Bad credit? We look at affordability first.

Your loan is secured against your car, so we look at what it is worth and whether you can afford the repayments. Your credit score is only part of the picture.

Check your quote 01924 221854

At a glance

Credit check: Soft search
We look at: Vehicle and affordability
Secured with: A Bill of Sale
Representative APR: 193.63%
Borrow: £1,000 to £50,000

A UK direct lender you can rely on

Established 200915+ years lending
Thousands of driversTrusted us with their car
Rated Excellent 4.9 / 5 from 246 Trustpilot reviews (opens in a new tab)
UK based teamReal people, real phone line
FCA authorisedFirm reference 680947
ICO registeredYour data protected

How we decide

More than a credit score.

Soft search first

Your quote uses a soft credit search with TransUnion. It does not affect your credit score.
Your vehicle counts

We decide based on what your vehicle is worth and whether you can afford the repayments, not on your credit score alone.
Affordability comes first

We only lend when the repayments are affordable for you, and we check your bank statements securely through Open Banking.
Every application on its merits

Not everyone has a perfect credit history. We look at each application on its own merits.

What counts as bad credit?

Bad credit can mean missed payments, defaults, County Court Judgments (CCJs), a short credit history or a low score after a hard time. We look at the whole picture: your vehicle, your income, your spending and your credit file.

Be as accurate as you can about your finances when you apply. As a responsible lender we make further checks, including your bank statements.

Borrowing responsibly

A logbook loan is secured against your vehicle. Your car may be repossessed if you do not keep up repayments on a loan secured against it.

We only lend when the repayments are affordable for you. Our service is not advised, so if you are worried about money you can get free, impartial help from MoneyHelper (opens in a new tab), StepChange (opens in a new tab) or Citizens Advice (opens in a new tab).

Bad credit questions

Can I get a loan with bad credit or CCJs?

You may still be able to borrow. Our decision is based on the value of your vehicle and whether you can afford the repayments, not just your credit score. We look at every application on its own merits and understand that not everyone has a perfect credit history.

Will applying affect my credit score?

No. We run a soft credit search with TransUnion, which does not affect your credit score.

Can I apply if I receive benefits?

Yes. As long as you meet the criteria and can comfortably afford the repayments, we will consider your application.

What if my application is unsuccessful?

This is usually because the vehicle does not meet our criteria yet, for example you are not yet the owner or do not have all the right documents. You are welcome to apply again when you do. With your permission, we can pass your details to one of our trusted partners, who may be able to offer you an alternative loan.

What happens if I can't keep up my repayments?

Talk to us as early as you can, as soon as your circumstances change. We will work with you to find a good outcome, such as a payment arrangement or a reduced repayment plan. Your car may be repossessed if you do not keep up repayments on a loan secured against it.

See what you could borrow

Soft search only, with no impact on your credit score.

Representative example: Borrow £3,000 over 36 months with 36 monthly repayments of £293.33. Total amount repayable will be £10,559.88. Representative 193.63% APR, annual interest rate (fixed) 84.0%.

Your car may be repossessed if you do not keep up repayments on a loan secured against it.

Call 01924 221854