Car Loans UK Reviews 

Excellent service! Very clear, straightforward and easy. Extremely helpful and friendly. I couldn’t be happier with how the whole process was handled!

Great service and straight forward

Emily was fantastic in dealing with me, gave me links for documents needed to apply for my loan. Emily was kind, patient and understanding through the whole process.

Very good was good experience

Made the process of buying a car easy, explained every step in straightforward terms and did all the leg work of finding the right car for me. Friendly and knowledgeable staff

AVOID!!

Carloans UK received money from a lender for my PCP car finance on 17th August, the day I applied.

On Friday the 21st the dealer contacted me to say Carloans UK would not release the funds to them until 1st September.

I then contacted carloans Uk and asked them why they wouldn’t release the funds and they told me: Their finance team works on an appointment only basis because they are only allowed to send a certain amount of payments per day and therefore, they were fully booked and could not fit me in until 1st September.

I advised Carloans UK that they didn’t explain that to me at any point in the process, that it made no sense that I had to wait for an appointment with them, when I was collecting my car from a independent dealer and had I known this, I wouldn’t of proceeded with their services.

I then contacted the lender who informed me they had never heard of a broker only being able to send a limited number of payments per day.

When looking in to it, their reasoning was completely fabricated. There is no such thing as a broker being limited to what they can send out.

I am within my 14 day cooling off period and therefore have a right to withdraw - but this wouldn’t be the case if I’d waited until 1st September.

This is extremely concerning and suspicious behaviour. Do not take out any finance arrangements with the support of this company. They are a walking red flag!!!

Update 28/08/26 - Carloans UK still haven’t processed my cancellation and still haven’t sent the money back to Zopa. I have been chasing this every day since I withdrew from the agreement on 22/08. I am getting nowhere. They keep telling me my case has been escalated to the financial director but that I cannot contact them myself. I was told they were doing a “payment run” yesterday and that they would let me know if the funds for my agreement would be sent back. I still haven’t heard a thing from them. They have acknowledged my request to cancel as you can see below but they are still holding on to money that was taken out in my name. Thankfully as I withdrew within my 14 day cooling off period it shouldn’t impact me financially.
Please please please read all reviews carefully before you consider using this broker to help you find a car. They are dodgy conmen who are only out to serve themselves. They do not care about the fact you could be held financially responsible for a vehicle you may never even get to drive. They are a joke! Steer clear

CarLoanUK is an amazing company! A huge thank you to Charley for all the help, excellent communication, and for clearly explaining every step of the process.

Charley helped me with everything — from choosing the right car and completing the paperwork to communicating with the car dealership. Everything was quick, smooth, and completely stress-free.

Whenever I had additional questions, my calls were answered straight away, and everything was explained clearly and professionally.

I’ve now collected my car and couldn’t be happier with the whole experience. I will definitely recommend CarLoanUK to my friends and family. Thank you again to Charley and all team !

Easy to work through and found car i wanted in 5minutes

Mohammed was very helpful and took his time in ensuring I understand the whole process. Thanx

Excellent customer service! No issues

Had a really great call with jay and his team super friendly and supportive

The experience was overall good. The team was very patient and willing to go the extra mile to get things done to my needs

Carl and john from the warranties and the lady from the handover team was absolutely fantastic i was on a tight budget and Karl worked very hard to find a car that was suitable . Nothing was to much trouble .

Wonderful,never thought it would be so easy,in my own comfort of my house
Happy chappy 😊

So far so good, I can't fault Car Loans UK. After a really bad experience with car finance in the past I have been made to feel at ease with Car Loans UK with their personable approach and ease of communication.

Will, has been great in looking after me during my journey this far with Car Loans UK.

Great service and customer car. By a gentleman called Sam very helpful all the way through the process and explained everything to me and helped me find the perfect car

Very easy process and very clear all the way through. Made buying a car very simple and quick. Highly recommend

Everyone I have spoken with was polite, friendly and professional.

Took 7 weeks.
Told 8 times a manager would call me back. Nothing
No help
Lack of communication
Lack of consistency
Lack of professionalism

Worst brokers I have ever used took them two weeks after finance company released the funds to them to pay the dealer the hand over team were rude and arrogant at times F C A involved as they should not have held on to the payment for that length of time