Black Horse Car Finance

Black Horse is one of the UK's largest car finance providers, offering flexible PCP, HP, and personal loan options through dealerships nationwide.

Last checked on June 8, 2026. We may earn a commission when you click through.

Advertisement

Black Horse Car Finance provides a broad range of competitive options for car financing, but interest rates can vary significantly based on personal circumstances.

✓ Wide range of financing options available ✓ Same day approval through dealerships ✓ Flexible loan amounts and terms
Auto Black Horse Reviewed

Black Horse Car Finance

Updated 1 day ago
APR Amount Term
4.9–19.9% £4,000–£100,000 12–60 mo

Requirements

UK resident

Aged 18+

Regular income

Decision

Same day via dealer

Our Verdict

Black Horse Car Finance provides a broad range of competitive options for car financing, but interest rates can vary significantly based on personal circumstances.

Best For

It's best for UK residents looking for a reliable financing solution with various terms and amounts available.

Watch Out

Be aware that the **APR ranges from 4.9% to 19.9%**, so the rate you receive may be higher than expected depending on your credit profile.

Ready to check your rate?

No credit score impact — free to check

Check eligibility →

You'll be redirected to blackhorse.co.uk

About this loan

Black Horse Car Finance is a leading UK provider offering PCP, HP, and personal loans through dealerships, with flexible terms and competitive rates.

What Customers Say

Borrowers appreciate the variety of options but often mention the variability in interest rates based on creditworthiness.

Expert Analysis

Our analysis indicates that Black Horse Car Finance is a in the UK car finance market, particularly for those seeking options like PCP and HP loans. The ability to borrow between £4,000 and £100,000 over 12 to 60 months adds significant flexibility for borrowers. However, potential customers should note that the approval time is same day via dealer, which can be convenient but may limit your options if you're not already in the dealership.

While the minimum APR of 4.9% is appealing, it is essential to remember that many applicants may end up with rates closer to the maximum of 19.9%. This discrepancy can lead to higher monthly payments than anticipated, so understanding your credit profile before applying is crucial.

Customer service is generally reliable, but and some users report challenges in online application process. Compared to alternatives like Zuto or Moneybarn, Black Horse's offerings are quite competitive, especially for those who prefer working through dealerships.

In practice, if your credit score is below average, you may find the terms less favourable than advertised, making it less suitable for those with limited credit histories.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

Similar options

Related Articles

Car Finance Options: Best Picks for Bad Credit in 2026

Struggling with poor credit? Discover the top car financing options tailored for those with challenging credit histories, ensuring you drive away with confidence this spring.