Also known as: Black Horse Finance
Black Horse is one of the UK's largest motor finance lenders, operating as a wholly-owned subsidiary of Lloyds Banking Group. It provides consumer motor finance through a large network of franchised and independent dealerships across the UK.
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Hire Purchase (HP); Personal Contract Purchase (PCP); Personal loans; Motor finance for dealers
Trading names and group notes
Part of Lloyds Banking Group plc. Embroiled in the discretionary commission arrangement (DCA) scandal; Lloyds has provisioned over £4.5 billion for potential redress as of 2026.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
2.6
~500 reviews
Other review and social proof
Fairer Finance listing available
Overall public sentiment
Predominantly negative. Customers cite poor communication, unhelpful staff, and the DCA commission scandal. Some positive reviews mention quick approvals for strong credit profiles.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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