Logbook loans in Northampton, from Duston to Weston Favell.

Northampton sits right beside the M1, with junctions 15 and 16 on its southern and western edges. The A45 follows the River Nene east towards Wellingborough, and the A43 heads north to Kettering. It is a town built around the road network, and that shapes how people get to work.

Many drive to warehouses and offices around the edges of town, or out to Daventry, Towcester and Milton Keynes. For those journeys, your own vehicle is often the only practical option. If yours is owned outright, you can borrow against it and keep using it.

First, enter your registration and approximate mileage for a quote. That is a soft search, so your credit score is not affected. Then apply online at any time. An underwriter usually calls within 2 working hours to talk it through and answer questions.

Next, a signing agent visits, usually within 3 working hours of the loan being agreed, to witness the Bill of Sale. Finally, we send the money by bank transfer. From application to payout, the loan is usually complete within 24 working hours.

Your vehicle must be yours, free of finance, insured and taxed. We lend against cars, vans and motorbikes, and cars under 15 years old are more likely to be accepted. If you drive for work around Northampton, a van counts just as much as a car.

From £1,000 to £50,000, the amount depends on your vehicle's value and what you can afford, not on where in Northamptonshire you live. Poor credit is considered, subject to affordability. You keep the vehicle and carry on driving it throughout the loan.

Questions from Northampton 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: