Also known as: Black Horse Finance
Black Horse Ltd is one of the UK's largest motor finance providers. It is part of Lloyds Banking Group and operates as the vehicle finance arm of the group. Black Horse has been providing motor finance in the UK for several decades and works with thousands of car dealerships across the country.
Black Horse provides finance primarily through car dealerships, rather than directly to customers. When you buy a car from a dealership and arrange finance through the showroom, there is a good chance that the finance is provided by Black Horse or a similar motor finance company working behind the scenes.
Products include Hire Purchase (HP), Personal Contract Purchase (PCP), and personal loans for vehicle purchase. With HP, you own the car outright once all payments are made. With PCP, you make lower monthly payments but have a larger final payment (called a balloon payment) if you want to keep the car at the end of the agreement. You can also return the car or part-exchange it.
Black Horse has been named as one of the lenders under FCA scrutiny in its review of motor finance commission arrangements. If you have or had a Black Horse motor finance agreement, you may wish to read the FCA's published guidance on this topic.
If you have a Black Horse motor finance agreement and need to contact them, details are available on their website at blackhorse.co.uk. Black Horse Ltd is authorised and regulated by the Financial Conduct Authority.
If you are struggling with motor finance repayments, contact Black Horse directly. Free debt advice is available from StepChange and National Debtline at no cost.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Black Horse Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
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 sources
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.
Prepare a simple monthly budget before speaking to your provider
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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