Photo: Elise240SX, CC BY-SA 4.0
PORSCHE CAYMAN TIPTRONIC S
Could borrow up to £1,850
UK direct lender
Keep the keys. Unlock the cash.
Borrow against your car and keep driving it. A UK direct lender, with a real person on the phone when you want one.
- Soft search only, with no impact on your credit score
- Poor credit considered, subject to affordability
- Keep driving your car while you repay
See what you could borrow
Soft search only, with no impact on your credit score.
Representative example: Borrow £3,000 over 36 months with 36 monthly repayments of £293.33. Total amount repayable will be £10,559.88. Representative 193.63% APR, annual interest rate (fixed) 84.0%.
Your car may be repossessed if you do not keep up repayments on a loan secured against it.
Established 2009
More than 15 years lending to drivers across the UK, with every loan decided by our own underwriters rather than a broker.
A UK direct lender you can rely on
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Thousands of driversTrusted us with their car
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UK based teamReal people, real phone line
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FCA authorisedFirm reference 680947
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ICO registeredYour data protected
How it works
From quote to your bank account, usually within 24 working hours.
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Get your quote online
Tell us about your car, your circumstances and how much you want to borrow. We run a soft search, so your credit score is untouched, and show you a personalised quote.
Online, 24/7
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Talk to an underwriter
An underwriter calls to check the loan is affordable for you. Then you read and sign your credit agreement online, in your own time.
Usually within 2 working hours
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Sign the Bill of Sale
A signing agent visits to witness the Bill of Sale, then we send the money by bank transfer. In Scotland, and for some other UK loans, you sign a Hire Purchase agreement online instead.
Visit usually within 3 working hours
Loan calculator
See your repayments before you apply.
Change the amount and the term to see weekly or monthly repayments. It is not a quote, and your final offer depends on your circumstances and vehicle.
Representative example
Borrow £3,000 over 36 months with 36 monthly repayments of £293.33. Total amount repayable will be £10,559.88. Representative 193.63% APR, annual interest rate (fixed) 84.0%.
The representative APR is the rate at least 51% of people taking out a loan are expected to receive. Your rate depends on your circumstances and your vehicle.
Your estimate
Estimated monthly repayment
£293.33
- Representative APR
- 193.63%
- Total repayable
- £10,559.88
Illustrative only. Your actual rate, repayments, and eligibility may vary.
Why V5 Solutions
A loan built around you, so you stay on the road.
Keep your car
Drive as normal while you repay. Ownership comes back to you once the loan is paid in full.
Affordability first
We look at your whole situation to make sure the repayments work for you.
No hidden fees
A clear representative example, and no hidden fees for taking out your loan.
Settle early and save
Settle at any time for a rebate on interest. Settlement quotes include one month's interest.
Direct lender
We are not a broker. You deal with our own team from start to finish.
Recently quoted
Drivers like you, and what they could borrow.
A few of the drivers who got a quote from us recently, and the most we offered them. Yours could be more or less, because it all depends on your car and your circumstances.
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Photo: order_242 from Chile, CC BY-SA 2.0
AUDI A4 S LINE BLACK EDITION TDI
Could borrow up to £2,400
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Photo: Vauxford, CC BY-SA 4.0
HYUNDAI KONA PREMIUM T-GDI MHEV
Could borrow up to £6,600
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Photo: Vauxford, CC BY-SA 4.0
VOLKSWAGEN GOLF LIFE ETSI S-A
Could borrow up to £2,050
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Photo: Vauxford, CC BY-SA 4.0
SKODA RAPID SPACEBACK SE TDI CR
Could borrow up to £1,050
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Photo: Vauxford, CC BY-SA 4.0
NISSAN QASHQAI
Could borrow up to £2,150
Photos are examples of each make and model, not the actual vehicles quoted, so the model shown may differ. Each amount is the loan offered to that driver, not what their car is worth: offers depend on the vehicle and the driver's own circumstances, so the same car can be quoted very differently. Every loan is subject to affordability checks.
Reviews
What our customers say.
Rated Excellent on Trustpilot: 4.9 out of 5 from 246 reviews.
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“This is an expensive way to borrow money but the process is simple, quick, clear and friendly.”
Deborah C. October 2017 · Trustpilot -
“I would say it was a very smooth experience and although I wish I wasn't in the situation that I needed the help; I'm glad I chose V5. Very friendly, helpful staff and a pleasure to deal with them.”
Mr S. July 2017 · Trustpilot -
“Fantastic service and very helpful staff and the rep had driven all the way from Wakefield to Sunderland at 7 pm to come and see me. Would recommend this service to anyone the money was in my account by 9 am the next morning after meeting with the rep.”
B. M. June 2017 · Trustpilot
Questions, answered
The important bits, made clear.
Still unsure? Our team can talk you through it on 01924 221854.
See all FAQsWhat is a logbook loan?
A loan secured against your vehicle with a Bill of Sale. You keep the keys and carry on driving, and ownership goes back to you once the loan is repaid in full. All loans are subject to your circumstances and affordability.
Will getting a quote affect my credit score?
No. We carry out a soft credit search, which does not affect your credit score.
How much can I borrow?
You can borrow from £1,000 to £50,000, depending on the value of your car and what you can afford to repay.
Can I get a loan with poor credit?
You may still be able to borrow. You need to own the vehicle and it must be free of finance, and we check that the repayments are affordable for you.
Can I use my car while I repay the loan?
Yes. You keep the keys and drive as you normally would while you repay.
What happens if I cannot keep up my repayments?
Talk to us as early as you can and we will try to agree a payment arrangement with you. Your car may be repossessed if you do not keep up repayments on a loan secured against it.
Guides
Plain-English guides to logbook loans, credit and money.
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Red Flags and Green Flags When Choosing a Logbook Lender
The signs that a logbook lender is trustworthy, and the warning signs that should make you walk away, from upfront fees to vague costs.
Read guide -
What Makes a Vehicle Suitable for a Logbook Loan?
Car, van or motorbike, your vehicle has to meet a few clear conditions to secure a logbook loan. We answer the questions people ask us most.
Read guide -
Is Your Take-Home Pay Right? Checking Your Tax Code and Payslip
With tax thresholds frozen until 2031, every pound counts. A step-by-step guide to checking your tax code, reading your payslip and claiming what you are owed.
Read guide -
Costly Money Mistakes: Why They Happen and How to Fix Them
Why sensible people still make expensive money mistakes, and the systems that stop them happening, from emergency savings to annual bill reviews.
Read guide -
Debt Consolidation: Questions to Ask First
One payment instead of five sounds appealing. These questions, and a worked example, show what consolidating debts would really change.
Read guide -
Side Income and Tax: How the £1,000 Trading Allowance Works
Earning a little extra on the side? We explain the £1,000 trading allowance, the property allowance and Rent a Room, with three worked examples.
Read guide
Your car could be worth more than you think.
Free quote. Soft search only, so no impact on your credit score. No obligation to accept.
