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Lending Expert's

We’re finance experts. This means we know our stuff when it comes to helping our customers find the right logbook loan for them. We know where the best deals are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

As a comparison website and credit broker we’re not tied to one credit card provider. This means we can search the wider market to find you the best debt consolidation deals from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means if you decide to proceed with loan you can be assured you are dealing with a legitimate and reputable finance company.

Saving You Money

With the help of our approved partners we will search the market to find you the best loan deals. Our comparison service will save you time and money and ensure you're getting the right type of log book loan available.

Before you apply for a loan with one of the lenders above ensure that you have all the details of your vehicle ready including the registration plate number and logbook details. This will help speed up your application process and make the process easier when you come to apply.


Borrow up to £50,000 with a Logbook Loan from Lending Expert

A logbook loan can help you borrow money secured against your car, bike or van – and essentially the lender owns your vehicle or ‘logbook’ until you pay back the loan.

With the comparison table provided by Lending Expert, you can compare logbook loans and find the best deal for you, whether you are looking to borrow £500 to £50,000 over a period of 1 to 5 years.

We offer logbook loans in London, Manchester, Liverpool, Birmingham, Bristol, Reading, Newcastle and everywhere across UK, Scotland and Wales. Even if you have bad credit, are unemployed or on benefits – our lenders may be able to consider your application.

Depending on the lender we feature, you will typically be able to borrow at least 50% of your vehicle’s value, but don’t forget that your loan is secured against your car. So if you are unable to keep up with repayments, this could be repossessed by the lender as a last resort.

Simply use our table provided and click on ‘check my eligibility’ where you will be taken to the direct lenders website where you can apply. Logbook loans are typically approved and funded within a matter of days.


Key Features


  • Borrow up to £50,000
  • Repaid monthly over 1 to 5 years
  • Secured against your vehicle
  • Borrow at least 50% of your vehicle’s value
  • All types of vehicles accepted
  • Bad credit considered
  • Funded within a few days of approval


At Lending Expert, We Can Offer:


  • Logbook loans for classic cars
  • Logbook loans for bikes and motorbikes
  • Logbook loans for vans and campervans
  • Logbook loans for older vehicles of 10 years or more


How Do a Log book Loans Work?

A logbook loan can be a very fast and effective way to borrow a large sum of money if other options are not available. When you apply, you will need to provide that you are the registered keeper of the vehicle and you will temporarily hand over your car’s logbook (V5) to the lender.

The logbook lender will hold this document, confirming that they own this, and then give it back to you until the loan is repaid in full. So essentially, the lender will own your vehicle temporarily during the loan term.

It may depend on the lender you choose, but you can typically borrow around 50% of your car or bike’s value, with older vehicles accepted too, if they are 5,7 or 10 years old.

You can still be approved if your car is on finance – and the amount you can borrow may be adjusted accordingly.

The most important thing to remember is that if you cannot repay your logbook loan and the lender has tried to contact you, eventually your vehicle may be repossessed to help the lender recover the money they have lent out to you.



Use Our Logbook Loan Calculator

Use the calculator provided to select the best loan amount and duration for you. The amount you can borrow is based on the value of your vehicle and other factors including your income and credit status.


Do You Offer Logbook Loans for Older Cars Over 10 Years Old?

Yes, our lenders are willing to offer logbook loans for older cars that are 5,7 or 10 years old, with some taking a view on classic cars too. The reason that some lenders do not accept older cars is because they are likely to be worth less over time, especially if the loan term is around 5 years old. But with some vehicles, such as classics and vintage cars, they will keep their value and some lenders are willing to take a view, also taking your income and credit status into consideration.


What is the Eligibility Criteria?


  • Must be over 18 years of age
  • UK residents only
  • Must be registered keeper of the car, bike or van
  • Campervans and caravans considered
  • Must be employed and able to afford monthly repayments
  • Car or vehicle must be used as security
  • All credit histories considered including bad credit


Can I Get a Logbook Loan if I am Unemployed or On Benefits?

No, typically you will need to be employed, either part-time or full-time and able to afford monthly repayments.

There are some direct lenders we work with who may consider your application if you are unemployed or on benefits – since being on benefits is a form of regular income. The lender will also take into account the value and condition of your vehicle.


Why Would I Get a Logbook Over a Traditional Loan?

Logbook loans are popular for people with less than perfect credit scores who may have been turned down for traditional credit cards and personal loans, but they do have a valuable car which they can use as security to borrow money.

Whilst the rates are not cheap, they are lower than payday loans and other bad credit loans.

In some cases, you may find that businesses or more well-off individuals use logbook loans to raise large sums of money quickly. For instance, if you own a sports car or supercar, you could use this as security and borrow large amounts such as £25,000 or £50,000 for any purpose.


How Much Does a Logbook Loan Cost?

Based on an example from MoneyAdviceService, the typical APR is around 400%.

If you borrowed £1,500 and paid £55 a week for 78 weeks, you would repay over £4,250 in total.

That means you would have paid over £2,750 in interest in order to borrow £1,500.


Are Logbook Loans Available for People with Bad Credit?

Yes, logbook loans for bad credit are available, since it takes into account the value and age of the vehicle and this is used as security to help you borrow the money you need.

It is common for logbook lenders to run a credit check and you will need to be employed to ensure that you can afford monthly repayments and avoid falling into financial difficulty.


How To Apply for a Logbook Loan with Lending Expert

You can apply for a logbook loan online with Lending Expert, for free, and no impact to your credit score.

Simply use our price comparison table provided and select the best logbook lender for you based on the rates, loan amount and terms provided. Click on ‘Check My Eligibility’ where you will be taken directly to the lender’s website where you can apply and receive a provisional decision in minutes.

At Lending Expert, we are proud to offer a whole of market comparison for logbook loans and all other types of financial products. This ensures that you can see the best market rates all in one place, saving you time and money.

You can apply for a quick logbook loan today and if approved, you can usually receive funds to your bank account within a matter of days.


How do a log book loans work?

A logbook loan is a loan that is secured against your car or vehicle such as a motorbike or van. Loans are often secured via a bill of sale and your vehicle provides security to the lender in the event you were unable to pay back the loan.

Will the lender repossess my car if I miss repayment?

Yes, if you are very behind on repayments and have not responded to any communication from the lenders and have refused to pay, your vehicle can be repossessed as a last resort. But it is noted that measures will be taken by the lender to avoid this.

Can I get a log book loan online without a credit check?

Yes. There are a selection of lenders who will provide loans without a formal credit check. They will however make assessments and checks to ensure you can meet the repayments of the loan.

What information do I need to provide?

Most logbook lenders will require the following basic information:
- Logbook in your name
- Certificate of insurance
- MOT Certificate, if applicable
- Photographic proof of identity - passport or driving licence.
- Proof of residence - utility bill.
- Proof of income - 3 months pay slips or bank statements.

How old does my car need to be?

Generally, less than 10 years old, but there are some exceptions for some lenders who will borrow against older cars with high mileage and classic cars.

Can I settle my loan early?

Yes, all customers have the right to settle their loan at any time. There are no charges for settling early and depending on how early you settle, you could be entitled to a rebate.

Which lenders provide logbook loans in the UK?

There is a large choice of UK logbook direct lenders to choose from many of whom you can apply to online. Our panel consists of Car Cash Point, Autoadvance, Varooma, Ramsdensforcash, v5lenders, Mobile Money, v5 solutions, Auto Money, Easy Logbook Loans, Loans2go.

I am a retired pensioner can I get a logbook loan?

Yes. Logbook loans are available for pensioners over 65, 70 and those who have retired. You will however need to demonstrate to the lender that you are able to afford the repayments and have income that meets their requirements.

How much can I borrow?

You can borrow between £500 to £50,000, with most lenders starting at around 50% of the value of your car, bike or van.

Can I get a logbook loan without proof of income?

No. You will need to provide the lender adequate proof of income to show you are able to meet the loan repayments. If you are employed then this will be your most recent payslips. If you are self employed as a sole trader or company director then you may need to show proof of accounts or SA302 documents from HMRC that show your income for the last financial year. If you are a pensioner then you may need to show pension and or benefit income.

What are the alternatives to logbook loans?

If you are looking for alternatives, you can also consider secured loans against your home or property, or perhaps a guarantor loan if you have a person you know that can guarantee repayment on your behalf. Credit unions or borrowing money from family and friends are also good options and come with little or very low rates.

Can I get a logbook loan if my car is on finance?

Yes, you can still get a logbook loan even if your car is on finance such as PCP or Hire Purchase.

Can I get Logbook loans near me?

Yes you are get a local logbook loan provider near you on Lending Expert. However most of the lenders provide a national service all over the UK.

Are these tax book loans?

Yes, often a logbook loan is referred to as a tax book loan. They are the same type of loan that is secured on your vehicle. It could be a car, motorbike or van.

Logbook loans available from direct lenders. Check your eligibility and apply online for a loan in the UK here on Lending Expert.