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Car Loans UK Reviews

Rated 4.7 based on 733 Reviews

Kingsgate, Wellington Rd N, Heaton Ln, Stockport SK4 1LW

Financial Services Stockport

Published on
August 11, 2025
Last updated
August 11, 2025

Reviews Summary

Overall, sentiment towards Car Loans UK is mixed, reflecting both highly positive personal customer stories and strong negative feedback, particularly from dealers. Reviewers consistently note staff members who are proactive, informed, and dedicated to meeting individual needs—several customers praise specific employees like Ethan, Will, and Becki for their communication and diligence. In contrast, common criticisms include hidden fees, payout delays, and poor communication, especially during the collection and payment phases, leading some to question the transparency and professionalism of the service.

Key recurring themes involve the ease of the application process for end customers, thorough assistance in matching vehicles to requirements, and attentive guidance throughout. However, administrative concerns repeat frequently, notably around unexpected fees, unclear charges, and inconsistent payout practices that negatively impact dealerships and create frustration, often requiring escalated follow-up. Some neutral feedback points to variability in customer service quality based on individual staff performance.

In summary, Car Loans UK has cultivated a strong reputation among car finance customers who value friendly, supportive staff and quick service, yet faces notable reputational challenges within the dealer community due to operational and communication issues. Their standing within the UK car finance industry is therefore seen as effective for direct consumers seeking car loans but problematic for trade partners due to compliance and payout practices.
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What Customers Are Saying About Car Loans UK?

the whole process was so simple

went above and beyond

did his best to the job properly

excellent job taking all the hassle

new what he was talking about

Kept checking in and keeping us informed

Nothing is too much trouble

would highly recommend this company

Very happy with the whole experience

After service was great

Trustguide extracts key phrases from reviews about Car Loans UK and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 40% of Car Loans UK's customers had a positive experience.

Positive
40%
Neutral
10%
Negative
50%

Car Loans UK Ratings

1

As of Based on 733 revies as of Aug 11, 2025

Car Loans UK Score

40%

As of Based on 733 revies as of Aug 11, 2025

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Customer Reviews

As of Aug 11, 2025, 733 customers have reviewed this business and rated it 4.7 Star out of 5. Trustguide conducted an in-depth analysis of Car Loans UK's publicly available reviews View source

Rululu Peng (Rululu) rated Car Loans UK 5 stars
2 months ago
After finding out my 22 year old car was unrepairable (and being a single parent with a poor credit score) I was gutted to find myself unable to get a new one and thought that I’d have to quit my job as I was unable to travel there everyday. I thought all the years I’d spent becoming so independent had been for nothing and I’d start to go backwards. I had tried 6 different finance company’s that advertised financing with bad credit and was declined soon after the application started, so I was reluctant to try this company. I was accepted within minutes! The whole process was so simple. Ethan was really upfront and honest and I didn’t feel pressured in any way. Im quite picky, because I’ve spent years paying out for repairs on my old car and this eventually decreased my love of driving, Ethan understood this and found me a lovely car for an amazing price! My love of driving has returned along with my freedom and I’m so happy with it!! I genuinely would recommend CarLoans to anyone!
Tyler Watson rated Car Loans UK 1 stars
2 months ago
Car Loans UK – Hidden Fees, Poor Communication, and Pushy Sales Tactics My experience with Car Loans UK was a headache from start to finish, and I wouldn’t recommend them to anyone. I needed a new car and quick, car loans uk did offer that service, however! I work for the ambulance service which made it incredibly difficult getting phone calls and the expectation to get stuff done quick on my end when their end trying to speak to someone is so slow. They pressured me to pay a deposit before my finance was even confirmed. When I pushed back, they eventually agreed I didn’t need to pay it upfront, but this shouldn’t have been something I had to argue for. Then there was the £350 admin fee they tried to slip in. They told me this had to be paid directly to the dealer, but when I contacted the dealer myself, they confirmed this was actually a fee Car Loans UK owes them – a cost that should have been included in my overall finance agreement, not dumped on me at the last minute. This kind of hidden charge feels deliberately misleading, as if they were hoping I wouldn’t challenge it. Next, they completely messed up the collection day. Despite me clearly telling them I could only pick up the car on a Friday, they initially insisted it was arranged for Monday. After pushing back, they eventually admitted I was right and corrected it, but this shouldn’t have been a battle. When I finally arrived to collect the car, I was left waiting for hours because they hadn’t released the funds. The dealership even mentioned that Car Loans UK said, “He’s not the only one collecting a car today,” as if my time didn’t matter. To top it off, the collections lady I dealt with was extremely rude – a final, unpleasant note in an already disappointing experience. It’s clear to me that once they’ve secured their commission, any interest in actually supporting their customers disappears. If you’re considering using Car Loans UK, think twice. Their communication is poor, their priorities are skewed, and the overall experience leaves a lot to be desired. I won’t be using them again.
Daiana Covaci rated Car Loans UK 1 stars
2 months ago
Experience with them was good, but they are confusing. There is this girl Evie, she doesn’t know on what planet she lives. Absolutely bad customer service services from her. Her tone of voice just rude. Barely communicates with her colleagues and creates chaos. Apart from that, Daniel, he is a good guy did his best to the job properly. Well done Daniel ! But please guys get rid of that Evie from the collection team or at least put her in training again.

Frequently Asked Questions About Car Loans UK

Are there any additional or hidden fees with Car Loans UK?

Several reviews report that customers and dealers encountered unexpected admin or introduction fees, which were not always clearly communicated in advance. It is advisable to clarify all charges and confirm what fees will apply before finalizing any agreement.

How quickly can I receive my car and complete payment through Car Loans UK?

Customers generally note fast application approvals and vehicle handover times, sometimes within 24 hours. However, multiple dealers report payout delays, with funds sometimes arriving days late. Timelines may vary depending on individual cases.

How does Car Loans UK communicate during the process?

Communication appears staff-dependent. Some customers praise regular updates and proactive check-ins, while others cite delayed or poor communication, especially regarding collections or payment to dealers. Clarifying expectations upfront may improve overall process management.

About Car Loans UK

Financial Services
Car Loans UK is a finance company operating in the automotive sector, specializing in arranging car loans for consumers seeking to purchase vehicles. The company facilitates access to finance options even for individuals with challenging credit backgrounds, working primarily through digital and phone-based channels without traditional in-branch visits.

The company manages loan applications, vehicle matching, and finance arrangements, coordinating closely with customers to identify suitable vehicles and guide them through the purchasing and financing processes. Interactions often occur through assigned consultants who assist in sourcing vehicles, managing documentation, handling payouts to dealers, and providing ongoing support via phone and digital communication.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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