Logbook loans in Wigan, from Standish to Leigh.
Wigan, Leigh, Hindley, Standish, Orrell: the borough is a patchwork of towns, and a vehicle ties it together. Borrow £1,000 to £50,000 against yours and keep driving.
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Established 200915+ years lending
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Thousands of driversTrusted us with their car
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Driving in Wigan
Just off the M6.
Wigan has plenty of green space, from the woods around Haigh Hall to Pennington Flash near Leigh, and the Leeds and Liverpool Canal runs past Wigan Pier. The M6 passes close to the town, the M58 heads west towards Skelmersdale, and the A577 links Wigan with Hindley and Leigh.
The borough is made up of many separate towns and villages, and travelling between them without a car can take a while. If you own your vehicle outright, you can borrow against it and carry on using it for work, family and everything in between.
How it works in Wigan
You keep the vehicle and the keys.
A logbook loan is secured on your vehicle, but it stays with you. You keep the keys and drive as normal while you repay. Applying is done online, and an underwriter usually calls within 2 working hours to talk you through the next steps.
A signing agent usually visits within 3 working hours of approval to witness the Bill of Sale and photograph you with the vehicle. Most loans are complete within 24 working hours, with the money paid by bank transfer.
What you can borrow against
Cars, vans and motorbikes.
We lend against cars, vans and motorbikes that are yours, free of finance, and insured and taxed. Cars under 15 years old are more likely to be accepted.
The amount depends on your vehicle's value and what you can afford, not on the town you live in. Loans range from £1,000 to £50,000. If your plans change, you can settle early at any time for a rebate on interest.
If you fall behind
Tell us as early as you can. We will work with you on a payment arrangement or a reduced repayment plan. Repossession is only ever a last resort.
Your car may be repossessed if you do not keep up repayments on a loan secured against it.
Questions from Wigan drivers
How quickly could I get the money?
Apply online at any time. An underwriter usually calls within 2 working hours, and the whole process is usually complete within 24 working hours. The money comes by bank transfer.
Will getting a quote affect my credit score?
No. Your quote uses a soft search, which does not affect your credit score. We only look more closely once you decide to go ahead.
Are Leigh, Hindley and Ashton-in-Makerfield covered?
Yes. We lend across the borough of Wigan and the rest of the UK, so it does not matter which town you live in. You apply online and speak to us by phone.
Do I need to visit an office to sign anything?
No. There is no office to visit. A signing agent comes to you, usually within 3 working hours of approval, to witness the Bill of Sale and photograph you with the vehicle.
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).
Across the UK
We lend wherever you live.
Everything happens online and by phone, so you can apply from anywhere in the UK. See how it works elsewhere in the North West:
Guides
Plain-English guides to logbook loans, credit and money.
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No Credit History or Bad Credit? Understanding the Difference
Two applicants, two refusals, two very different reasons. We explain how a thin credit file differs from a poor one and what helps in each case.
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Topping Up a Logbook Loan: Eligibility, Process and Risks
Topping up an existing logbook loan is sometimes possible. Learn the eligibility rules, how V5 Solutions assesses a request and the risks to consider.
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Five Times Your V5C Logbook Really Matters
From buying and selling to moving house and borrowing, here are five moments when an accurate V5C logbook makes a real difference to vehicle owners.
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Which Types of Loan Fit Which Situations? A UK Borrowing Guide
See how common borrowing needs map to the main kinds of credit. We explain UK loan types, from personal and secured loans to credit unions and BNPL, by everyday need.
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How Loan to Value Shapes the Size of Your Logbook Loan
Your vehicle's value and your budget together set how much you can borrow. Learn how lenders use loan to value and how it affects your logbook loan.
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How Modern Logbook Loans Work: A Worked Example
Follow one example borrower through a V5 Solutions logbook loan, from the soft-search quote and signing to repayments, settling early and the end.
Read guide