Blue Motor Finance Reviews 

2,284
•
TrustScore 3 out of 5

3.1

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 131 reviews, most reviewers were somewhat happy with their experience overall. Consumers frequently mention that the staff is very polite, friendly, and supportive when handling everyday account matters. People also appreciate the smooth and quick loan setup process, noting that digital portals make tracking and managing payments very easy. Some reviewers were not happy with unexpected vehicle breakdowns and unresponsive customer support teams during stressful times. Borrowers experienced severe frustration when trying to return faulty cars, stating that staff members failed to provide proper assistance or delayed resolutions. Additionally, a few individuals encountered communication barriers and unhelpful responses when attempting to resolve serious mechanical defects.

What people talk about most

Service

Reviewers mention ambiguous feedback about service, with many customers praising the professional assistance,... See more

Customer service

Customers had ambiguous experiences with customer service, as some reviewers reported phenomenal support,... See more

Product

Consumers express deep dissatisfaction with the product, reporting that vehicles purchased through finance... See more

Staff

Clients share ambiguous opinions on staff, as many reviewers highlight helpful, friendly, and polite... See more

Reviews shaping this summary

Rated 4 out of 5 stars

. Put a search on credit file even though I never applied for finance also sent me an email saying my application was rejected??? Think companies like yourselves should think before sending emails say... See more

Company replied

Rated 4 out of 5 stars

I purchased a vehicle four years ago and have had a good experience with Blue Motor that have collected every month. I am still awaiting compensation for the hidden commission slipped in by the car... See more

Company replied

Rated 5 out of 5 stars

Phoned up today for assistance with payments. Normally calls with other companies take forever to get through and it’s a nightmare, however, Lynne with blue motor made my life easy. Very helpful, extr... See more

Company replied

Rated 5 out of 5 stars

I brought a vehicle in September 2025 from a local Dealer in Nottingham..Within a month of purchasing the vehicle problems started at first the dealer tried to sort out the issues but things got a lo... See more

Company replied


Company details

  1. Non-bank financial service
  2. also in
  3. Car finance and loan company

Written by the company

In a short period of time, Blue Motor Finance have become one of the UK’s leading Fintech companies, lending over £1bn to more than 100,000 customers to date. Remarkable growth has led to us being ranked 1st in the Financial Times’ FT1000 Europe’s Fastest Growing Companies (March 2019). We provide our partners with the best-in-class service with a relentless focus on technological innovation, risk management and the highest standards of regulatory compliance. We are one of the most flexible and advanced direct lenders in the market, offering competitive finance packages, quick decisions and reduced administration time, coupled with our innovative customer proposition.


Contact info

3.1

Average

TrustScore 3 out of 5

2k reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 91% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

3.1

All reviews

(2,284)

130 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

I have had an independent vehicle…

I have had an independent vehicle inspection done as dealership warranty and finance company all refused to help I’ve sent all 3 companies the scotia report . The vehicle was unsatisfactory durability at the time of purchase . Liability lands with the dealership and also under the consumer rights act 2015 because I don’t actually own the car it’s the finance responsibility to remedy the solution I have spent nearly a week trying to get through to this finance company the only time I got through I was told Courtney who was handling my case would ring me back . Still waiting 2 days later not replying to emails . Ombudsman is now involved along financial conduct authority .

30 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Ceri,

We are extremely sorry to read your 1* review.

I can assure you that your complaint is still open and we are working with the dealership to resolve this for you as soon as possible.

I will ensure that your complaint handler calls you today to discuss the next steps on getting the matter concluded.

Please be assured that we handle all complaints in line with the relevant legislation, including the Consumer Rights Act 2015 and the Consumer Credit Act 1974, and we are committed to reaching fair and appropriate outcomes for our customers.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Lynne was fantastic in dealing with my…

Lynne was fantastic in dealing with my query. Very efficient and professional.

28 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good afternoon Donald,

Thank you so much for your 5* review!

We are so pleased to hear that you were happy with the service you received from Lynne and we will ensure that your feedback is passed onto her.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

Don't have anything to do with Blue Motor Finance

If I could, Blue Motor Finance would get minus 5 stars. I cannot believe the other reviews saying the company is great. They must be fake. Blue Motor Finance exploited our vulnerable son with a very expensive finance deal tied up with commissions and has not responded to any communications in nearly 3 months. The case is now with the ombudsman. Their conduct has been callous and utterly unprofessional, falling far short of the standards expected of a financial institution. My advice is to avoid this company at all costs.

27 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Jon,

We are very sorry to read your 1* review.

We cannot locate your son's agreement with the information you have provided us with. If you would like to speak to us further considering your review, please could you email complaints@bluemotorfinance.co.uk.

However, as you have mentioned the case is with the Financial Ombudsman Service, I can confirm that we will work with them as we are obliged to do so.

If your query is in relation the possible commission paid to the dealership on your son’s agreement, the Financial Conduct Authority (FCA) has proposed an industry-wide compensation scheme for certain complaints of this type. However, this scheme is currently subject to a legal challenge, and the timing for when firms are able to issue final responses remains uncertain.

While this position is being resolved, we will continue to review all related complaints and undertake preparatory work.

At this stage, we are not able to confirm when a final response will be issued. We will provide further updates as soon as there is greater regulatory clarity.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

I have taken the finance through blue…

I have taken the finance through blue motor finance and utterly unhappy with their response. It clearly seems they are working for the dealers not for the customers. I have faced issues with the car a day after the purchase and I have contacted them many times after as I had further issues. They just conclude and listen based on what dealer says but won't trust my information. Absolutely useless company. In two months after purchase I had to take the car 5 times to the dealer and when asked for the rejection they simply followed what dealer has told them and now they don't reply to me. All this company does is to work with dealers and delay the process to lose our consumer rights.

27 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning,

We are very sorry to read your 1* review and that this has been your experience with Blue and the dealership.

I can assure you that we do abide by all relevant legislation to ensure that we are reaching the correct outcome for our customers.

I can confirm that your complaint with us is still open and we are yet to conclude this for you.

I will ensure that your complaint handler calls you today to discuss the next steps.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Amazing Customer Experience

I had the most amazing customer experience today with Blue Motor Finance regarding my BMW car finance. Wish every car finance company was like Blue Motor car finance. The customer adviser was on point, very courteous and helpful. Keep it up Blue Motor Finance .

16 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning,

Thank you so much for your 5* review!

We are so pleased that you were happy with our service. Thanks for your kind words.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

the staff were very helpful and…

the staff were very helpful and explained everythink clearly.

14 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Piotr,

Thank you so much for your 5* review!

We are so pleased that you were happy with our service.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Phoned to change address and payment…

Phoned to change address and payment day this wa the easiest comany iv dealt with thankyou so much

14 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Debbie,

Thank you so much for your 5* review!

We are so pleased to read your positive feedback.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

I had a great experience with Blue…

I had a great experience with Blue Motor Finance. They approved my car finance when several other lenders declined me because of my credit score. They also worked with me to negotiate a better APR, which I really appreciated. The whole process was straightforward, and the team was helpful and professional throughout. I would definitely recommend them to anyone looking for car finance.

9 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Zaka,

Thank you so much for your 5* review.

We are so pleased to hear that you were happy with the onboarding process and the service you received from the team!

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

Completely ghosted after being left with a dangerous, faulty car. Escalated to Ombudsman.

Avoid Blue Motor Finance at all costs. I entered into a Hire Purchase agreement and within six months the car developed severe mechanical and sensor faults. After two failed dealer repairs—where staff even admitted they had supplied the vehicle with an incorrect, faulty key—the car nearly broke down dangerously on a major motorway. It is now completely unroadworthy and grounded at my home. Blue Motor Finance’s customer service has been shocking. They flatly refused to give me the car's diagnostic reports, demanded I dangerously drive the broken vehicle all the way back from Manchester to Coventry for a third inspection, and have now completely ghosted my urgent emails. They are continuing to take my monthly payments while I am stranded relying on buses and trains. Absolute breach of FCA duty of care. I have now officially reported them to the Financial Ombudsman Service.

17 June 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good afternoon Marie-Rose,

We are extremely sorry to read your 1* review and that this has been your experience with Blue and the dealership.

Please rest assured your complaint with us is still open and we are working, in line with the relevant legislation, to get this resolved for you as soon as possible.

I will ensure that a member of the Complaints Team responds to your email tomorrow to explain the next steps.

We are sorry again and we will endeavour to get the matter concluded as quickly as we can.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Lynne from collection department was so…

Lynne from collection department was so very very helpful today and really put my mind at ease :-)

6 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning,

Thank you so much for your 5* review!

We are so pleased to hear that you were happy with the service you received from Lynne, we will ensure this is fed back to her.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

I have never known such appalling service

I have never known such appalling service in all my life. They have simply stopped responding to any of my emails now (I send 1 chase per week). In March I requested to return a car financed through them as it was faulty at the point of purchase and broke down whilst driving. Despite jumping through every hoop since they sent out their inspector, the car remains broken down on my drive. The levels of incompetence are astounding - not to mention the very poor standards of grammar and contradictory information contained in their emails. Avoid at all costs.

1 March 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Clare,

We are extremely sorry to read your 1* review and that this has been your experience with us.

I can confirm that your complaint is still open, not yet concluded and we are still working to get this resolved for you in line with the relevant legislation.

I will ensure that a member of the Complaints Team calls you today to discuss the next steps.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

Waste of time applying for finance…

Waste of time applying for finance through these say they have a high acceptance but that is total and utter rubbish and that they accept poor credit again total and utter rubbish obviously just put that as they clearly definitely don't and now it will have a marker on my file what a complete JOKE!!!!!

My advice stay well clear bunch of simpletons.

Why email anyone what is said on your website high acceptance is nothing but lies totally untrue and should be amended that way people like myself would not waste time applying bunch of simpletons.

4 July 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Rob,

We are very sorry to read your 1* review.

If you would like to discuss the matter further please email our Customer Services Team on customerservices@bluemotorfinance.co.uk.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Lynne really explained to me into…

Lynne really explained to me into details what it takes to either voluntarily terminate or voluntarily surrender my hire purchase for my car. To the point that I’m able to make decisions on my own.
I believe she’s a big asset for your company
Thank you Lynne.

30 June 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Victor,

Thank you so much for your 5* review!

We are so pleased to hear you were happy with the service you received from Lynne. We will ensure this is passed onto her.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Took out car finance with this company…

Took out car finance with this company in January, started having problems with the car within weeks, finance company helped me with rejecting the car after 2 months, was all sorted and my account marked as paid for my credit file by the end of April, could not fault the service I received. We'll done

27 April 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Stephen,

Thank you so much for your 5* review!

We are so pleased to hear that you were happy with the service you received and will ensure this is fed back to the Complaints Department.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

I feel so sorry for Customers Thinking…

I feel so sorry for Customers Thinking They will Recieve Compensation in Connection with the Financial Conduct Athourity Redress Sceame Regarding Miss Sold Finance Agreements. Blue Motor Finance Ltd will File for Bancruptcie just like Provident Did. Nobody will get a Penny. When it's put into the hands of the Recievers you may get Three Pence in the Pound. So DONT hold your Breath. Blue Motor Finance Ltd will go Bust. Look at all the Director Resignations of Blue Motor Finance Ltd at Companies House. They will Change the Name of the Company and start Up Again. Second Site is not a Gift. from Mr Stuart Edmund Green former Customer of Blue Motor Finance Ltd. Fortunately I proved Georgina Partridge the Litigation Specialist acting on Behalf of Blue Motor Finance Ltd Lied in Her Statement of Truth to the Court. I no longer have a Legally Binding Enforceable Agreement with Blue Motor Finance Ltd Thanks to Mr Brian Greenhoff of Blue Motor Finance Ltd who Terminated the Agreement 3 Years Ago. Blue Motor Finance Ltd will now pay My Court Costs of £2000,00 and I am withholding the Money Awarded to Me by the Financial Conduct Athourity. Shawbrook Bank have now pulled out of the Resque Operation. The Staff will All loose thier Jobs at Blue Motor Finance Ltd. What a Shame.

3 June 2026
Unprompted review
Rated 1 out of 5 stars

Avoid complaints appalling

Avoid. Avoid . Blue motor finance
They don't care about your consumer rights. They don't seek proper outcomes. They don't give you advice . Their customer service/ complaints is very poor and at times rude.
They don't even mute their calls when being rude about you to another complaints handler.
They close your claim without even discussing it properly with you.
I'm 7000 down on finance for a car not worth the paper it's printed on and they are telling me to pay 2700 to fix
Yet even the EV guy lmc sent it to says he is just sumizing it's the fault he said as it generally is with these cars he said.
Avoid .

17 April 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good afternoon Kelly,

We are very sorry to read your 1* review and to hear that this has been your experience with Blue.

I can confirm that the outcome of your complaint has been reviewed by a senior member of the team. Having considered the evidence available, alongside the relevant legislation and regulatory obligations we are required to follow, we are satisfied that the correct outcome has been reached.

You are, of course, entitled to escalate the matter further should you feel this is necessary.

Kind regards,
Blue Motor Finance

Rated 1 out of 5 stars

Will not help when you have issues with car in first 6 month.

Had an issue with my vehicle in the first 6 months of owning. They refused me to go to my own mechanic and sent an independent inspector out. He did a stationary inspection. Blue moter finance refused to help and said based on inspection its wear and tear. Took the vehicle to a mitsubishi specialist who said that the inspector report was wrong and I needed £1600 worth of repairs. Inspector said it was timing chain, however the vehicle needed a balce shaft delete and new front suspension on a 36k mile car. Had to pay out of pocket and since then has spent around £400 more in repairs and the car still has issues. Received no help from the company and have been stuck with a vehicle which is a money pit. The cars be in the garage more times then i can fathom. Do not take car finance with this company, they will not help at all.

They hide behind finacial omberdsmen, who went of the stationary insepction that it was the timing chain. Yet the cars been to 3 different garages and not one has said there is anything wrong with the timing chain.

1 November 2025
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Mr Ruane,

We are very sorry to read your 1* review and to learn that you remain dissatisfied with the outcome of your complaint.

As a regulated business, we are required to comply with all relevant legislation, including the Consumer Rights Act 2015 and the Consumer Credit Act 1974. These requirements were carefully considered as part of our investigation into your complaint. Your complaint has also been escalated to the Financial Ombudsman Service, who agreed with Blue’s conclusion.

I appreciate that this was not the outcome you were hoping for. However, we remain confident that your complaint has been investigated thoroughly, appropriately, and in line with the relevant requirements.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Excellent company.Very helpful and…

Excellent company.Very helpful and supportive.always been helpful to me during my loan spell

11 June 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning,

Thank you so much for your 5* review!

We are so pleased to hear that you have been happy with the service you have received from us.

Kind regards,
Blue Motor Finance

Rated 5 out of 5 stars

Excellent

Easy, quick and efficient. Early settlement is straight forward. Responsive customer service.

9 June 2026
Unprompted review
Blue Motor Finance logo

Reply from Blue Motor Finance

Good morning Jen,

Thank you so much for your 5* review!

We are so pleased to hear you were happy with our service.

Kind regards,
Blue Motor Finance

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look