Car Finance Company Reviews
Every major UK car finance broker and lender reviewed. Real APRs, real Trustpilot scores, and our honest assessment. Sorted by representative APR so you can see who costs what.
Benchmark: The average UK personal loan rate is 4.1% APR (Bank of England, March 2026). Every company below charges more. The question is how much more and whether it's worth it.
CarFinance247
Broker
APR
19.9%
Trustpilot
4.8/5
Reviews
49,500+
Bad credit specialist. High APR. They will call you.
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Moneybarn
Lender
APR
30.7%
Trustpilot
4.4/5
Reviews
16,000+
FCA fined £2.77m. Nearly the car's value again in interest.
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Zuto
Broker
APR
18.8%
Trustpilot
4.8/5
Reviews
59,000+
Find, fund, deliver service. Watch the warranty upselling.
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Carmoola
App Lender
APR
13.9%
Trustpilot
5.0/5
Reviews
3,600+
60-second approval. No phone calls. Used cars only.
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Oodle Car Finance
Lender
APR
14.7%
Trustpilot
4.8/5
Reviews
19,000+
Fast payouts. But caught up in the FCA commission scandal.
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CreditPlus
Broker
APR
23.9%
Trustpilot
3.2/5
Reviews
1,640+
Original company went into administration. New owner, old problems.
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My Car Credit
Broker
APR
10.9%
Trustpilot
—
Reviews
—
Evolution Funding's consumer brand. Competitive rates.
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Black Horse
Lender
APR
Varies
Trustpilot
—
Reviews
—
Lloyds Banking Group subsidiary. Largest UK car finance lender.
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Close Brothers
Lender
APR
Varies
Trustpilot
—
Reviews
—
Motor finance division. Specialist lender through dealers.
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How we rate car finance companies
We don't use a points system or weighted scores. We look at three things: the representative APR (what most customers actually pay), the community sentiment (Reddit, Trustpilot, Financial Ombudsman data), and any regulatory history (FCA fines, enforcement actions, commission scandals).
Fair
Competitive rates, clean regulatory record, reasonable terms
Caution
High APR, misleading advertising, aggressive sales, or DCA involvement
Warning
Predatory rates (30%+), FCA fines, documented harm to vulnerable customers