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About LoanOnYourCar.co.uk

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About Us

At LoanOnYourCar.co.uk, we’re a family-run, ethical lender specialising in logbook loans. Founded in 2018 by brothers Jeremy and Paul Hilburn, we’ve combined over 30 years of experience in the financial services industry, including consumer credit and pawn brokering. As the UK’s first digital lender offering logbook loans using a “hire purchase” consumer credit agreement, we’ve revolutionised the industry, making it easier, faster, and more transparent for our customers.

Our team is committed to treating every customer with care, ensuring we find the ideal solution for their financial needs. As a responsible lender, we offer loans up to 65% of your vehicle’s trade value, allowing you to keep and use your car while borrowing. Our services are fully regulated by the Financial Conduct Authority, and we adhere strictly to GDPR guidelines to protect your personal information.

LoanOnYourCar.co.uk offers flexible loan amounts from £500 to £150,000, with same-day payouts, no hidden fees, and the ability to settle loans early, penalty-free. Our easy online application process and dedicated customer service ensure a seamless experience. We're here to provide you with a fair, ethical alternative to traditional logbook loans, ensuring peace of mind every step of the way.

More About Us

We specialise in logbook loans

LoanOnYourCar.co.uk is an ethical and responsible lender operating throughout the United Kingdom, specialising in logbook loans. We lend up to 65% of the trade value of the car whilst the borrower continues to remain the registered keeper and user of the car.

Our experience in finance

With over 30 years of experience in the financial services industry, we are committed to providing our customers with the highest quality service and the utmost care. Our business ethos and culture are premised on treating all customers fairly and that every loan on your car matters.

As a direct lender, LoanOnYourCar.co.uk is regulated by the Financial Conduct Authority and is a member of the Consumer Credit Trade Association.

In addition, LoanOnYourCar.co.uk are fully compliant with General Data Protection Regulations [GDPR] and therefore our customer information remains confidential and we guarantee that we never sell any customers data to any third party.

Customers can apply on our website 24 hours a day, 7 days a week by entering their car registration for an instant decision. If a customer prefers to speak to a one of our experienced and personal customer service advisers, they can call 0300 577 5000 or email sales@loanonyourcar.co.uk.

LoanOnYourCar.co.uk will never ask our customers to surrender their Logbook V5C. All V5C loans are completed using a hire purchase credit agreement, which provides our customers with a fair loan and greater protection under consumer credit law.

With loan amounts of between £500 to £150,000 and the ability for our customers to sign online using e-signature, our loans can be paid out on the same day.

Peace of mind

With no hidden fees or charges, interest calculated on a Pay As You Go basis and the ability to settle the loan early, 100% penalty free, a loan on your car with vehicle equity release, the alternative to a logbook loan, is the fairer and quicker way to release cash from your car.

Representative Example:

If you borrow £1,000 over 36 months at a flat rate of 84% per annum [fixed] with a Representative 204.2% APR you will make 36 monthly payments of £97.98, making a total amount repayable of £3,592.28 including £40.00 document fee and £25.00 Option To Purchase fee. The total charge for credit is £2,660.00. Logbook Loan repayment length from 18 to 60 months. The maximum APR is 389.1%.

Your log book loan is secured against the vehicle, and missing payments could put the car at risk of repossession.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk