Car loans with a difference

You’ve seen the car you want, what next?

Borrow between £5,000 – £25,000 and receive an instant decision to help get you on the road quicker.

Plus, when your car loan is approved, you’ll receive a free MOT and 12 free car washes!

Car loan calculator

Find a loan to suit you

I want to borrow

£

How long for

Representative Example

Summary

  • Representative APR 29.4%
  • Monthly Repayment £49.33
  • Total Repayment £1234.56

Benefits of borrowing with us:

  • Instant decision
  • No early repayment fees
  • Quick and easy online application
  • Fixed repayments over 1 to 7 years
  • Clear interest rates guaranteed not to change after application
  • Free loan protection insurance*

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Get that new car feeling

Keep your car looking great with 12 free car washes, as well as a free MOT at hundreds of centres nationwide.

Car wash vouchers entitle you to a Car Wash 3/Triple Foam wash and can be redeemed at any IMO/ARC sites nationwide.
It’s easy to redeem and there are no hidden catches – simply hand over the voucher on the correct month to receive your free car wash.

Browse locations

Your free MOT is valid for a class 4 vehicle at hundreds of centres nationwide. Simply call the reservations number on your pack to book.
Don’t forget there are no hidden catches:

  • Free MOT test (Class 4 vehicles)
  • Fully itemised vehicle inspection report
  • Many centres nationwide to choose from
  • Ease of booking – one number to call

If your application is successful, a pack will be posted including your car wash vouchers and MOT booking code.

Terms & Conditions

IMPORTANT INFORMATION

An instant decision will be given on your loan application, followed by a confirmation email.
In some cases, we may need you to provide more information to help us make a decision.

  • Car loans are exclusive to members aged 18 and over, who must to live or work in a G postcode.
  • You must save at least £10/month along with your loan repayment. It’s free to become a member and you can join at the start of your loan application.
  • All loans are subject to status and meeting our lending criteria. Terms and Conditions apply. View all loan rates.

*In the event of your death, your loan will be paid off in full. Restrictions apply.

HAVING TROUBLE ACCESSING YOUR ACCOUNT ONLINE?

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Forgotten your membership number? This can be found on your welcome letter or on any previous statement.

If you are still experiencing difficulties, please continue to complete the form.

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You are now applying for a personal loan

Please check first that you are eligible to apply:

  • You are aged 18 or over
  • You have a UK bank account in your own or joint names
  • You are a permanent UK resident
  • You have never been bankrupt or had a Court Decree

To complete your application you will need:

  • Your current employer's address details
  • Details of monthly income and outgoings
  • Bank or building society details (sort code and account number)

To enable us to make a decision on your loan application we will contact Credit Referencing & Fraud Prevention Agencies. This will register a search against your credit record and if your application is successful we will share the information we hold for you with these agencies. Further details are available in our Fair Processing Notice

It is important that you read the Fair Processing Notice document above. If there is anything that you do not understand, please contact us.

Are you happy to proceed with an application?

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Loan Term

Please be aware that the longer you take to pay back a loan, the more you will pay back in interest. If you go for a shorter term your monthly repayment might go up, but you'll save in interest and pay back your loan faster.

Re-calculate loan term
 
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