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Black Horse Car Finance: Dealer's Choice or Just Convenient?
Black Horse offers competitive car finance rates but only through dealerships. Find out if their deals are worth the showroom visit.
The Quick Version
Black Horse, part of Lloyds Banking Group, offers car finance through UK dealerships with rates starting at 4.9% APR. It's a solid choice if you're buying from a dealership, but the reliance on dealer relationships can impact your rate. Not for those seeking direct lender flexibility.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
Black Horse Car Finance
Black Horse Car Finance offers competitive rates via dealerships.
Black Horse Car Finance
The Numbers
Black Horse provides finance options with APRs ranging from 4.9% to 19.9%. You can finance amounts between £4,000 and £100,000 for terms of 12 to 60 months. However, these deals are only available through dealerships, and your rate may vary based on the dealer's relationship with Black Horse. source
What's Actually Good
Being part of Lloyds Banking Group gives Black Horse a solid backing, and its availability at most UK dealerships makes it convenient for buyers. The 4.9% APR is competitive for PCP deals, and they offer finance for both new and used cars.
The Catch
You're locked into dealer-based financing, which means less flexibility and potentially higher rates if the dealership lacks a strong relationship with Black Horse. Additionally, you can't shop around for rates independently — it's all tied to the dealer's offer.
Who Benefits Most
If you're a UK resident over 18 with a steady income looking to buy a car through a dealership, Black Horse could be a good fit. It's especially advantageous if you prefer the convenience of handling everything at the dealership and qualify for their lower rates.
The Bottom Line
If you're set on buying through a dealer, Black Horse provides a convenient and competitive option. But if flexibility and direct lender relationships matter, consider alternatives. For more tailored options, check out Car Finance Options: Best Picks for Bad Credit in 2026.
