Logbook loans in Wakefield, from Ossett to Pontefract.

Wakefield sits on the River Calder, with the M1 and M62 meeting just to the north. That puts Leeds, Sheffield and Manchester within easy reach, and many people here commute out of the district every day. Ossett and Horbury lie to the west, Castleford and Pontefract to the east.

Between logistics work along the motorways, shift patterns that do not match bus timetables and trips to family across the district, a car or van earns its keep. If yours is paid for, you can borrow against it and keep driving it.

Before you start, find your registration and an idea of your mileage. You will also need your contact details and bank details, and a debit card for your repayments. With those to hand there is nothing to post and no forms to print.

Apply online at any hour. An underwriter usually calls within 2 working hours, a signing agent usually visits within 3 working hours of approval, and the loan is usually complete within 24 working hours. The money comes by bank transfer.

Your car, van or motorbike must be yours, free of finance, insured and taxed. A vehicle with outstanding finance cannot be used. Cars under 15 years old are more likely to be accepted, and you keep the vehicle and carry on driving it throughout.

Your quote starts with a soft search, which does not affect your credit score, and shows what you could borrow, from £1,000 to £50,000. The amount depends on the vehicle's value and what you can afford, and you can settle early at any time for a rebate on interest.

Questions from Wakefield 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 Yorkshire and the Humber: