Logbook loans in Lincoln, for the long Lincolnshire miles.

Lincoln climbs from the Brayford Pool and the River Witham up to the cathedral and the castle. The A46 bypass skirts the west, the A15 runs north towards the Humber and south to Sleaford, and beyond North Hykeham the flat Lincolnshire countryside stretches away in every direction.

Distances are long and villages are spread out, so towns such as Gainsborough, Market Rasen and Newark can be a real journey. For many people in and around Lincoln, a car or van is not a luxury. If yours is paid for, you can borrow against it and keep it.

There is no branch to visit. You apply online, at any hour, and an underwriter usually calls within 2 working hours to go through it with you. Your quote starts with a soft search, which does not affect your credit score.

If your loan goes ahead, a signing agent visits you, usually within 3 working hours, to witness the Bill of Sale and photograph you with your vehicle. That suits people who live out of town, as the visit comes to you. The loan is usually complete within 24 working hours.

Cars, vans and motorbikes can all be considered, provided they are yours, free of finance, insured and taxed. Cars under 15 years old are more likely to be accepted. A farm-run pickup, a family estate or a commuter hatchback are all the kind of vehicle we see.

You can borrow from £1,000 to £50,000, depending on the vehicle's value and what you can afford to repay. Where you live does not change the amount. Poor credit is considered, subject to affordability, and you keep driving while you repay.

Questions from Lincoln 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 East Midlands: