Photo: hugh llewelyn, CC BY-SA 2.0
BMW 420D SPORT AUTO
Could borrow up to £2,850
UK direct lender since 2009
Logbook loans for car owners, without selling your car.
Borrow £1,000 to £50,000 against your car and keep driving. Quick decisions and payment by bank transfer, direct from a UK lender you can call.
- Soft search only, with no impact on your credit score
- Poor credit considered, subject to affordability
- Keep driving your car while you repay
See your likely repayment
Soft search only, with no impact on your credit score.
Representative example: Borrow £3,000 over 36 months with 36 monthly repayments of £293.33. Total amount repayable will be £10,559.88. Representative 193.63% APR, annual interest rate (fixed) 84.0%.
Your car may be repossessed if you do not keep up repayments on a loan secured against it.
A UK direct lender you can rely on
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Thousands of driversTrusted us with their car
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UK based teamReal people, real phone line
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FCA authorisedFirm reference 680947
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ICO registeredYour data protected
How it works
From quote to your bank account, usually within 24 working hours.
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Get your quote online
Tell us about your vehicle, your circumstances and how much you would like to borrow. We run a soft search, which does not affect your credit score, and give you a personalised quote.
Online, 24/7
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Speak to an underwriter
Share your bank statements securely through Open Banking. An underwriter calls to check the loan is affordable, then you read and e-sign your credit agreement in your own time.
Usually within 2 working hours
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Sign the Bill of Sale, get paid
A signing agent visits to witness the Bill of Sale, then we send the money by bank transfer. In Scotland you sign a Hire Purchase agreement online instead.
Visit usually within 3 working hours
Loan calculator
See your repayments before you apply.
Change the amount and the term to see weekly or monthly repayments. It is not a quote, and your final offer depends on your circumstances and vehicle.
Representative example
Borrow £3,000 over 36 months with 36 monthly repayments of £293.33. Total amount repayable will be £10,559.88. Representative 193.63% APR, annual interest rate (fixed) 84.0%.
The representative APR is the rate at least 51% of people taking out a loan are expected to receive. Your rate depends on your circumstances and your vehicle.
Your estimate
Estimated monthly repayment
£293.33
- Representative APR
- 193.63%
- Total repayable
- £10,559.88
Illustrative only. Your actual rate, repayments, and eligibility may vary.
Why Logbook Money
A loan built around you, so you stay on the road.
Keep your car
Drive as normal while you repay. Ownership comes back to you once the loan is paid in full.
Affordability first
We look at your whole situation to make sure the repayments work for you.
No hidden fees
A clear representative example and no hidden fees for taking out your loan.
Settle early and save
Settle at any time for a rebate on interest. Settlement quotes include one month's interest.
Direct lender
We are not a broker. You deal with our own team from start to finish.
Real people
Prefer to talk? Call our team on 0333 24 123 44.
Recently quoted
Drivers like you, and what they could borrow.
A few of the drivers who got a quote from us recently, and the most we offered them. Yours could be more or less, because it all depends on your car and your circumstances.
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Photo: Cardiff Carshop, Public domain
HONDA CIVIC I-DTEC ES
Could borrow up to £1,150
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Photo: Chanokchon, CC BY-SA 4.0
PEUGEOT 2008 GT PURETECH S/S
Could borrow up to £4,650
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Photo: Kevauto, CC BY-SA 4.0
FORD FOCUS ST-2 TURBO
Could borrow £1,000
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Photo: Harvey Bold, CC BY 4.0
FORD FIESTA ST-LINE EDITION T MHEV
Could borrow up to £2,850
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Photo: Vauxford, CC BY-SA 4.0
NISSAN JUKE ACENTA PREMIUM DCI
Could borrow up to £1,550
Photos are examples of each make and model, not the actual vehicles quoted, so the model shown may differ. Each amount is the loan offered to that driver, not what their car is worth: offers depend on the vehicle and the driver's own circumstances, so the same car can be quoted very differently. Every loan is subject to affordability checks.
Reviews
What our customers say.
Rated Excellent on Trustpilot: 4.8 out of 5 from 174 reviews.
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“Rob was great not pushy at all gave me time to decide what I wanted to do very easy process, which has helped me out of a jam when I needed lump sum straight away rather than having to save up my wages”
Steven S. · July 2026 · Trustpilot -
“The process from start to finish when applying for the loan was easy and quick. Leo explained everything clearly to me and having someone come to you and collect all documents was easy for me as it was at my own convenience.”
Mariama S. · March 2026 · Trustpilot -
“Great customer service as always. Have used this company for a few years Leo and rob are always very helpful and responsive. Loans always paid very quickly too.”
Holly C. · January 2026 · Trustpilot
Questions, answered
The important bits, made clear.
Still unsure? Our team can talk you through it on 0333 24 123 44.
See all FAQsWhat is a logbook loan?
A loan secured against your vehicle with a Bill of Sale. Logbook Money is the legal owner of the vehicle until the loan is repaid in full, but you keep the keys and carry on driving. Ownership goes back to you once the loan is paid off.
Will getting a quote affect my credit score?
No. We carry out a soft credit search, which does not affect your credit score.
How quickly will I get the money?
The whole process is usually complete within 24 working hours. Once the Bill of Sale appointment is done, we send the money by bank transfer, and how quickly it reaches your account depends on your bank.
Can I get a loan with poor credit?
You may still be able to borrow. You need to own the vehicle and it must be free of finance, and we check that the repayments are affordable for you.
Can I repay my loan early?
Yes. You can settle your loan at any time and get a rebate on interest, so the sooner you settle, the less you repay. Early settlement quotes include one month's interest.
What happens if I can't keep up my repayments?
Talk to us as early as you can and we will try to agree a payment arrangement with you. Your car may be repossessed if you do not keep up repayments on a loan secured against it.
News and guides
Latest from Logbook Money
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Bad credit vs no credit: why lenders treat them differently
Having no credit history is not the same as having bad credit. Here is how lenders read each one and the steps that help you improve either.
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Can I top up my logbook loan? What you need to know
Already have a logbook loan and need a bit more? Find out when a top-up may be possible, how we assess it and what to think about before asking.
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Why your V5C logbook matters and how to keep it up to date
What your V5C logbook shows, why keeping it up to date with the DVLA matters and what happens to it when you take out a logbook loan.
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Types of loans in the UK and how each one works
Personal loans, secured loans, credit cards, overdrafts, BNPL and more. A plain guide to the main types of UK borrowing and how each one works.
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Loan to value explained: how much can you borrow on your car?
Loan to value compares what you borrow with what your vehicle is worth. See how it works, how your car is valued and why it shapes your logbook loan.
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The life of a logbook loan, from quote to final payment
What happens at each stage of a Logbook Money loan: your quote, checks, signing, payout, the repayment months, top-ups, settling early and the end.
Read article
Ready to see what your car could unlock?
Free quote. Soft search only. No obligation to accept.