Logbook loans in Bolton, beneath Winter Hill.

Bolton spreads out below Winter Hill, with Rivington and the West Pennine Moors close by and Smithills Hall near the edge of town. The M61 runs past Horwich and Westhoughton towards Preston and down to the M60, while the A666 heads for Blackburn and the A58 for Bury and Wigan.

Bolton and its neighbouring towns are close together but not always well connected by public transport, so many people rely on their own wheels for work, school and family. If yours is paid for, you can borrow against it and carry on using it every day.

The whole thing starts online, and you can apply whenever suits you. An underwriter usually calls within 2 working hours to go through your application. We are a direct lender, so you deal with us rather than a middleman.

If your application goes ahead, a signing agent usually visits within 3 working hours of approval. They witness the Bill of Sale and photograph you with your vehicle. Most loans are complete within 24 working hours, paid by bank transfer.

A car, van or motorbike can secure your loan if you own it outright, it is free of finance, and it is insured and taxed. Cars under 15 years old are more likely to be accepted.

The amount you can borrow, from £1,000 to £50,000, depends on the value of the vehicle and on what you can afford. It does not depend on whether you live in Bolton, Horwich or Farnworth. A soft search lets you check without affecting your credit score.

Questions from Bolton drivers

Borrowing responsibly. We only lend when the repayments are affordable for you. Our service is not advised. If money is a worry, 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).

Everything happens online and by phone, so you can apply from anywhere in the UK. See how it works elsewhere in the North West: