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 12–60 months. Loans of £15,000–£25,000: terms 12–84 months. Subject to status and affordability. Membership eligibility criteria apply.
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.
Eligibility check
Check your chances of being approved for a loan. Answer a few questions to check your eligibility, and don't worry, this won't affect your credit score.
A car loan is open to members and to anyone eligible to join. Check you meet the basics, then use the calculator to see what your repayments could look like.
Important: If you proceed with a full loan application, we will carry out a hard credit check. A hard credit check will be recorded on your credit file and may be visible to other lenders. This could affect your ability to obtain credit elsewhere.
Aged 18 or over
At least 18 years old.
A UK resident
Living in the UK, with a UK bank account.
A member, or eligible to join
Membership is generally open to people who are employed. Join as you apply.
A regular income
So we can check the loan is affordable.
Recent serious adverse credit history may affect eligibility
Arrears, CCJs, Trust Deeds, defaults or bankruptcy may all impact eligibility.
Able to show affordability
A real person reviews every application.
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.
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.
Drive away with
fair finance
Fair rates, no hidden fees, and a real person in your corner.
Subject to status and affordability. Membership eligibility criteria apply.