Logbook loans in Luton, and keep the keys.

Luton sits beside the M1, with London Luton Airport on the hill above the town and one of the busiest employers around. Shifts at the airport, in warehouses along the Hitchin Road or in Dunstable and Houghton Regis often start when buses are thin on the ground.

Districts such as Lewsey, Leagrave, Stopsley and Bramingham spread out from the centre, and Wardown Park is a favourite for weekends. If your car or van is paid for, it is an asset you can borrow against while still using it every day.

Start with a soft search, which does not affect your credit score, then complete your application online at any time. An underwriter usually calls within 2 working hours. They will ask about your income and outgoings, because affordability comes first.

If you go ahead, a signing agent usually visits within 3 working hours of approval to witness the Bill of Sale. The loan is usually complete within 24 working hours, and the money arrives by bank transfer.

We accept cars, vans and motorbikes that you own, free of finance, and that are insured and taxed. Cars under 15 years old are more likely to be accepted. You keep the vehicle and carry on driving it.

Loans run from £1,000 to £50,000. The figure we can offer reflects your vehicle's value and what you can afford. Poor credit is considered, subject to affordability, so a past missed payment does not automatically rule you out.

Questions from Luton 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 of England: