Rating based on 9 reviews

Black Horse


  • Compare loans online
  • Vehicle finance up to £250,000
  • Repayment up to 60 months

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Black Horse homepage

Author Black Horse. Screenshot of Black Horse website. [Accessed December 18, 2018]

About Black Horse

Black Horse provides finance to suit you and your requirements, and we have done so for more than 340,000 people in 2016, at 4,500 dealers nationwide.

What’s more is that not only do we provide vehicle finance but also motorbikes, scooters, caravans and motor homes. What you can expect is personalised finance and excellent customer service at locations and local dealers near you.

Why Black Horse?

We are one of the UK’s leading car finance providers. We have close relationships with over 4,500 dealers nationwide. This means we can offer you excellent customer service and personalised finance at locations that suit you best. We will help you find a loan if you have not yet found one.

Innovative account self service

This allows our customers to automatically register with our online self-serve service. It makes managing your account quick and convenient. Quick access and management of your account is only one of our promises.

Award winning customer service

The winner of 'Best Use of Digital to Improve Customer Experience' at the UK’s Digital Experience Awards.

We are at the forefront of technology

We are dedicated to assisting customers make efficient and secure purchases from our network of local car dealers.

Clear and transparent service

At Black Horse, we believe in clear and transparent communication with our customers. This is how we make finance as straightforward for you as possible.

Black Horse Services

Customers can borrow any amount from £1,000 and set repayments over a repayment term of one to five years.

Below are the various types of vehicle loans available;

Car Finance

If you are looking for versatile, personalised finance to buy the car of your dreams, look no further than Black Horse.

Motorcycle Finance

We will help you get finance for your dream motorcycle or scooter together with a tailored finance package that suits your specific requirements.

Caravan or Motor Home Finance

We even provide financing for the less common types of vehicles such as caravans or motor homes. Whatever your vehicle finance requirements, we are here to make it a reality.

Our car loans are available on new or used cars up to 14 years old. However, some exceptions are considered.

Black Horse Hire Purchase option

This is an option that is perfect to help you buy your dream car while spreading the cost over an agreed period. The option requires you to agree upon an initial deposit, an agreement term and monthly repayment amount with your preferred car dealer.

Your chosen car dealer will then submit the finance application to us.

Should your application be approved, you drive away in the car and on completion of all the repayments including the interest, the car is all yours.

Black Horse Product Details

  • Loan Type Vehicle finance
  • Loan Amount up to £250,000
  • Repayment 60 months

Benefits of Black Horse

  • Choose between finance options
  • Refinance options available
  • Quick vehicle finance

Black Horse is an expert lender in the UK

So, you might be wondering how you apply to borrow any amount from £1,000 at set repayments to suit your budget over a repayment term of up to five years.

Additionally, giving you access to new or used cars up to 14 years old and flexible deposit options of 0% deposit may be available; however this is subject to status.

What you need to know

Our car loan options are ideal if you would like to own your car outright at the end of your agreement, we have an option to best suit a repayment option that best suits you. Additionally, our loan packages enable you to budget and know the exact repayment amount each month.

Other features of Black Horse

The choice is yours of what vehicle you would like to purchase, provided the vehicle of choice is not older than 14 years old at the end of the agreement. However, some exceptions may apply. In addition, you can budget with confidence with our fixed regular repayments, giving you peace of mind.

Looking for more information?

We like to offer our customers as much advice and guidance as possible. Should you require additional financial advice, you can download our Car product eBook to provide more information on car financial matters.

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Black Horse is a trusted & reliable provider of vehicle finance

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 the UK; FCA number 661204

Customer Reviews & Testimonials

Good secured loan option, affordable rates, and long terms.

Norah W
— Sheffield —

I needed to finance a motorcycle I wanted and Black Horse was amazing throughout the process.

Dean W
— Cardiff —

Black Horse Contact Details

Contact Number


  • not available


Physical Address

  • Finance House, Orchard Brae Edinburgh Scotland EH4 1PF United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday – Closed
  • Sunday – Closed