Drive away with
fair finance
Fixed-rate car finance with no hidden fees, no early repayment penalties, and a real person reviewing every application. Straightforward lending, done properly.
*Loans of £7,500–£14,999: terms 3–60 months. Loans of £15,000–£25,000: terms 12–84 months. Eligibility criteria apply. Loans subject to status and affordability.
Representative example: Borrow £10,000 over 36 months at 6.9% APR (fixed). Monthly repayment £307.36. Total repayable £11,064.96. No arrangement or early repayment fees.
Apply for a Car Loan
Choose how you'd like to proceed
Great news!
Based on the information you've provided, it looks like we may be able to offer you a car loan.
This check does not guarantee a loan offer. A full credit and affordability assessment will be carried out. Eligibility criteria apply.
We may not be able to help
Based on the information you've provided, we don't think we'd be able to offer you a car loan right now. We wanted to save you the time of completing a full application.
You can still choose to proceed with a full application if you wish. Please note that a full credit and affordability assessment will be carried out. Eligibility criteria apply.
We can help — but not just yet
Whilst we may be able to offer you lending, as you are not currently in paid employment we will need you to save with us for 3 consecutive months first. This helps us understand your financial position and is a requirement for this type of membership.
Once you have saved for 3 months, you are welcome to apply for a car loan.
Straightforward lending, done right
A real person reviews your application
Not just a credit score. Our lending team looks at the full picture to find repayments that genuinely work for you.
No hidden fees, ever
No arrangement or early repayment fees. The rate you are quoted is the complete cost of your loan.
Free loan protection insurance
Your loan comes with complimentary protection insurance. If you pass away, the outstanding balance is cleared. Subject to eligibility and policy terms. View full details.
Dealer, private seller or auction
Funds go directly to you. Buy new, used or electric from wherever you like — no restrictions on vehicle type.
Repay your way
Direct debit or payroll deduction. Pay off early or make overpayments at any time with no penalty.
Ethical, responsible lending
We only lend what you can genuinely afford. We assess every application carefully and will always tell you clearly where you stand.
New, used or electric —
your choice
Funds go directly to you, so you can buy from a dealer, a private seller, or at auction. No restrictions.
Straightforward from start to finish
New and existing applicants are welcome. Everything can be done online in minutes.
Create your account
New applicants can set up an account and apply for a loan at the same time. Quick and entirely online.
Submit your application
Tell us how much you need and over what term. Apply securely online through your account.
We review it personally
Our lending team assesses your income, outgoings and ability to repay. We come back to you promptly with a clear decision.
Funds in your account
Once approved and your agreement is signed, the money is transferred directly to you. Repay monthly by direct debit.
See what your loan could cost
Adjust the sliders or click any value to type an exact amount.
Illustrative estimates only and do not constitute an offer of credit. Figures shown are rounded to the nearest whole number for illustrative purposes; exact repayment amounts may vary. At least 51% of approved customers receive the representative APR or lower. Your actual rate may vary. Loans subject to status, affordability and eligibility. Missing payments could increase the total amount payable and may affect your credit file. Membership eligibility criteria apply.
Common questions answered
Specific to our car loan. For broader questions visit our full loans FAQ.
View all loan FAQs →Drive away with
fair finance
Fair rates, no hidden fees, and a real person in your corner.
Loans subject to status and affordability. Eligibility criteria apply.