Fair by default
Every decision starts with affordability, not just a credit score. If a loan is not right for you, we will say so.
A logbook loan lender you can actually speak to.
We help UK drivers unlock money from their cars without the broker runaround, jargon or small-print traps.
At a glance
- Helping UK drivers since
- 2009
- Loans from
- £1,000 to £50,000
- Lend up to
- 80% of vehicle value
- Lender
- Direct, not a broker
A UK direct lender you can rely on
-
Established 200915+ years lending
-
Thousands of driversTrusted us with their car
-
Rated Excellent 4.8 / 5 from 174 Trustpilot reviews (opens in a new tab)
-
UK based teamReal people, real phone line
-
FCA authorisedFirm reference 680947
-
ICO registeredYour data protected
A different way to borrow
When life does not go to plan, clarity matters.
A boiler breaks down, an unexpected bill arrives, or income takes a hit for a few weeks. High street lenders often say no, and payday loans can make things worse.
Logbook Money was founded to give UK car owners a fairer, more transparent way to borrow. If you own your car, chances are you can borrow against it, keep driving it, and pay back in fixed weekly or monthly repayments that suit your budget.
Our team is dedicated to providing every customer with thoughtful, attentive support. As a responsible lender we can offer loans of up to 80% of your vehicle's value, allowing you to continue driving your car while unlocking the value tied up in it.
You can apply online 24 hours a day, 7 days a week. Enter your vehicle registration, approximate mileage and the amount you would like to borrow, and after some initial vehicle checks we let you know whether your vehicle is suitable and the most we could lend, subject to further vehicle, credit and affordability checks. We offer loans from £1,000 up to £50,000, with quick decisions, payment by bank transfer, no hidden fees and the ability to settle your loan early to save on interest.
The promise
The way we do business.
Three principles guide every loan we make, from your first quote to your final repayment.
No hidden fees
A clear representative example and no hidden fees. Settle early at any time for a rebate on interest; settlement quotes include one month's interest.
Discreet & respectful
Appointments and calls are arranged at times that suit you. We never pry beyond what regulation requires.
How our loans work
Secured by a Bill of Sale, not your logbook.
Your V5C stays with you
We never ask you to hand over your V5C logbook. Every loan is secured with a Bill of Sale: we become the legal owner of your vehicle while the loan runs, you keep the keys and carry on driving, and ownership comes back to you once it is repaid.
Borrower Information Sheet (PDF, opens in a new tab)Interest fixed from day one
Interest is calculated on a fixed-sum basis, so the total interest is set when you sign and we do not charge extra interest if a payment is late. Settle early at any time and the sooner you settle, the less you repay.
Lending across the UK
We lend throughout the United Kingdom. In Scotland you sign a Hire Purchase agreement online instead of a Bill of Sale, and send us the photos and documents we need, so there is no agent visit.
A short history
Built for the long road.
More than fifteen years of lending against cars, and still a direct lender with our own UK team.
- 2009
Founded
Logbook Money launches to help UK drivers borrow against their cars.
- 2024
Digital-first
Fully online application with e-signing available for eligible customers, and payment by bank transfer.
- 2026
Thousands of loans
Still a UK direct lender with our own team, having lent to thousands of drivers.
Our commitment
Straight answers, from start to finish.
- Transparent pricing with a clear representative example
- Soft search first, so your credit score is not dented
- Fair treatment for customers in financial difficulty
- Your V5C logbook stays with you
- Your data kept secure under UK data protection law
- UK team, UK phone number, UK regulation
Have a question about us?
Talk to our UK team, Monday to Friday.
News and guides
Latest from Logbook Money
-
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.
Read article -
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.
Read article -
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.
Read article -
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.
Read article -
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.
Read article -
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