Logbook loans in Lincoln, from uphill to the Brayford.
From North Hykeham to the villages around the city, apply online, borrow against a vehicle you own, and keep it for every country mile while you repay.
A UK direct lender you can rely on
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Established 200915+ years lending
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Thousands of driversTrusted us with their car
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Rated Excellent 4.8 / 5 from 174 Trustpilot reviews (opens in a new tab)
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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
Getting around Lincoln
A cathedral city with long country miles.
Lincoln sits on the River Witham, with the A46 bypass to the west and the A15 running north towards the Humber and south to Sleaford. Up the hill sit the cathedral and the castle, and beyond North Hykeham the open Lincolnshire countryside stretches out to towns such as Gainsborough, Market Rasen and Newark.
With so much to reach along those country roads, from work to family and the coast, a reliable car or van matters. If you own yours outright, it can secure a loan of £1,000 to £50,000 while it stays with you for every trip.
How it works in Lincoln
Why we look at your bank statements.
As part of your application we ask you to share 60 days of bank statements through Open Banking. You do this from your own online banking, so have your login to hand when you start. It gives us a clear view of your regular income and your usual spending.
We only lend when the repayments are affordable for you, so the statements help us check that a loan fits comfortably alongside your other commitments. Your underwriter talks this through with you, and your quote shows your rate, repayments and total to repay before you commit.
If you fall behind
Talk to us as early as you can. We will work with you to find a good outcome, such as a payment arrangement or a reduced repayment plan. Repossession is only ever a last resort.
Your car may be repossessed if you do not keep up repayments on a loan secured against it.
Questions from Lincoln drivers
How quickly could I get the money?
Apply online at any time: an underwriter usually calls within 2 working hours, and the whole process is usually complete within 24 working hours.
Will checking my quote affect my credit score?
No. Getting your quote uses a soft credit search with TransUnion, which does not affect your credit score.
Do you lend in Gainsborough, Sleaford and across Lincolnshire?
Yes. We lend across Lincolnshire and the rest of the UK. You apply online, speak to us by phone, and a signing agent visits you to witness the Bill of Sale.
What is Open Banking used for in my application?
It lets you share 60 days of bank statements with us from your online banking. We use them to check that the repayments are affordable, because we only lend when they are.
Borrowing responsibly. We only lend when the repayments are affordable for you. Our service is not advised, so if you are worried about money you can get free, impartial help from MoneyHelper, StepChange or Citizens Advice.
Across the UK
We lend wherever you live.
Everything happens online and by phone, so you can apply from anywhere in the UK. Find out more about borrowing elsewhere in the East Midlands:
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