Rating based on 58 reviews

Black Horse

  • Car loans up to £250,000
  • Compare car loans
  • Repayment up to 60 months

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Black Horse homepage
Author Black Horse. Screenshot of Black Horse website.
[Accessed September 8, 2021]

About Black Horse

Black Horse has over half a century provided clients with easy and affordable car loans that come with top-class service and the best financial expertise.

Black Horse who is a member of the Lloyd’s Banking Group has earned its spurs through the trust of its huge UK customer base and hard work.

Black Horse is great for securing car finance

Black Horse takes pride in doing what is right and the best for its clients. The registered financial services provider, with 5,000 car dealers in its network, makes sure that it puts its customer first on its list of many priorities. They boast a huge client base who is aware that in Black Horse they have a car loan specialist who can provide loans at the most affordable price.

They offer car finance of up to £250,000 at low-interest rates. Black Horse car loan specialists make the online loan application even easier by helping clients through the process. Customers can be sure that their staff will leave no stone unturned in providing each client with the best deal that suits their particular circumstances.

Black Horse Services

With Black Horse options, clients can be sure of driving away with a set of wheels they have always wanted.

Black Horse car finance specialists will always ensure they tailor every car loan to every client’s particular need. Their highly experienced and qualified consultants will do all the legwork by negotiating a favorable vehicle finance plan with the many lenders in their network. 

Benefits of Black Horse car finance loan

  • Clients can apply for car loans up to £250,000.
  • Payment periods of up to 60-months.
  • Low-interest rates can be negotiated.
  • Clients can compare loan offerings on their vast network.
  • Clients have access to an award-winning digital online experience.

Black Horse – Car loan

  • Loan Type Car loans
  • Loan Amount up to £250,000
  • Repayment 24 months to 60 months

Benefits of Black Horse

  • Refinance options available
  • Quick and affordable vehicle finance
  • Affordable rates

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Finance your dream car with a car loan from Black Horse

Black Horse's wide variety of purchase plans gives clients leeway in planning a car loan that best suits their financial outcomes.

Get quick and easy secure vehicle finance

With Black Horse, customers can be assured of speedy service when it comes to securing car finance. They will do their best to find lenders in their network that will accommodate Bad Credit customers.   

Black Horse understands that many are battling tough economic circumstances.  Therefore they are only willing to help bad credit clients get their hands on a car loan if the appropriate lender can be located.

Black Horse is all about prompt service as it concerns car finance. They offer one of the best online experiences when it comes to clients looking for vehicle finance loans. The company remains at the forefront of technological advancements that give them the edge when it comes to online applications.

To underscore this point, Black Horse was adjudged the first winner in the category of 'Best Use of Digital to Improve Customer Experience' at the UK’s Digital Experience Awards.

Hire purchase (HP) car loans

These are car loans available for new and used vehicles not older than 10 years. These loans range between £1,000 and £250,000. It is subject to a flexible deposit depending on the client’s status. The car is only owned after all the payments have been made.

Apply now for easy vehicle financing

Black Horse is aware that clients’ priority is to save on costs when financing a vehicle. Therefore, their interest rates on car loans are fixed over the entire payment period of the loan.

This helps clients streamline their budget and plan their finances for the future. Black Horse who is registered by the Financial Conduct Authority (FCA) applies knowledge, experience, and innovation in helping clients meet their financial goals.

Re-financing can be a popular option if a client has paid a good sum towards their vehicle. This means a client can trade in a vehicle at a good price that can help earn some extra money that can be used to pay off debt.

Personal Contract Purchase (PCP)

These are car loans available for both new and used vehicles not older than 3 years of between £1,000 and £250,000. Credit is deferred to the final payment at the end of the agreement. The vehicle is owned after final payment. The vehicle can also be exchanged and outstanding debt settled or the car can be returned with no amount owing.

Personal Contract Hire (PCH)

Clients pay an advanced rental of between 1 and 21 months and can select a mileage maximum. Clients then pay a set monthly rental for a term of between 24 and 60 months. At the end of the contract term, the vehicle can be returned with no option to own.

Lease-Purchase car loans

These are loans available for both new and used vehicles not older than 3 years of between £1,000 and £250,000. Credit is deferred to the final payment at the end of the lease after which a final payment must be made to own it or trade it in for a new model. The vehicle cannot be returned, however.

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Black Horse is a trusted & reliable provider of car loans

In our review, Black Horse adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Black Horse is a registered credit provider in UK: FSA 661204

Customer Reviews & Testimonials

August 2019

Black Horse believes in earning trust the old fashioned way: through mutual trust and a set of good values. They are a transparent lender and operate as such – you never need to worry about their...

Leonard M
— Bristol —

Black Horse Contact

Contact Number


  • not available


Physical Address

  • St William House, Tresillian Terrace Cardiff South Wales CF10 5BH United Kingdom
  • Get Directions

Postal Address

  • Black Horse Finance St William House , Cardiff , CF10 5BH, United Kingdom

Opening Hours

  • not available