Logbook loans in Oldham, from Failsworth to Saddleworth.

Oldham stands on the western flank of the Pennines. The A62 runs down into Manchester, the A627(M) links the town to Rochdale and the M62, and the M60 passes Failsworth and Chadderton. Saddleworth, Dovestone Reservoir and open moorland are on the other side of town, and the climb up is steep.

Whether you commute to the city, work shifts at a unit in Royton or Shaw, or live in one of the Saddleworth villages, your own vehicle keeps life moving. If it is paid for, you can borrow against it without parting with it and carry on using it every day.

Fill in the application online whenever you like. An underwriter usually calls within 2 working hours, goes through your details and answers your questions. We are a direct lender, not a broker, so the person you speak to is working on your application.

If you go ahead, a signing agent usually visits within 3 working hours of approval to witness the Bill of Sale. Most loans are complete within 24 working hours, and the money is sent to your bank account by bank transfer.

A logbook loan is secured on a car, van or motorbike that is yours, free of finance, and insured and taxed. Cars under 15 years old are more likely to be accepted, while older vehicles are still considered.

The amount depends on your vehicle's value and what you can afford, from £1,000 to £50,000. Where you live in Oldham, Saddleworth or beyond does not change it. Checking uses a soft search, which does not affect your credit score.

Questions from Oldham 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: