Black Horse Finance Reviews 

Great customer service from Tony H and Chris O.... thanks you absolute pair of 🦵🏼🔚's 💙

Very fast approval of my car finance and the service is excellent.

In late 2019, just before the first national lockdown, I financed a vehicle through Black Horse. Within a short period of time, the vehicle developed multiple faults and had to return to garages on several occasions for inspections and attempted repairs.
I raised my concerns early, as the vehicle was clearly unreliable. Unfortunately, I did not feel supported during the process. The way the matter was handled caused significant stress at what was already a very uncertain time personally and nationally. Instead of working toward a fair and reasonable solution, I felt my concerns were minimised and pushed back on.
With no resolution in sight, I escalated the case to the Financial Ombudsman Service. After reviewing all of the evidence, the Ombudsman ruled in my favour and confirmed that the vehicle was not fit for purpose. I exercised my legal right to reject the vehicle and received compensation following that decision.
While vehicle issues can happen, it is how situations are handled that truly matters. In my experience, the process added unnecessary pressure and stress rather than support.
Would I recommend Black Horse Finance based on my experience? Unfortunately, no.
I believe customers should be aware of their rights and prepared to escalate matters if they feel they are not being treated fairly.

A straight forward explanation of credit a affordable monthly payment all clauses was explained in a clear way

Bought a car on the 28th June 2025, the car has since broke twice within a 6 month period this time round the car is dead and will not run on its own power. After getting a full diagnosis from a garage it shows 22 faults with the vehicle, I made a complaint & advised the car is not fit for purpose or trustworthy and would like a full refund. they have completed their investigation and told us that although yes the faults are not my fault and possibly already on the vehicle at the purchase time, I wont be refunded and will have to wait for it to be fixed with no courtesy car or time frame of when it will be ready due to a back log with land rover. They did however offer me £200 in compensation for the grievance it may have caused in the two months of not having the car so far! My advice is this, if youre getting finance and blackhorse are the company offering it, stay well clear of them. I reported an electrical fault with motorpoint who point blank lied to the blackhorse saying I never, even though id sent all my evidence to them showing the lies. Yet im still without a car, in the 8months total of having the car 3 of them months its not been driveable. motorpoint & blackhorse are both very dodgy businesses. Ive now escalated to the ombudsman in hopes of getting a proper resolution. Stay away from these two companies as they are dodgy to deal with!

I am very cross with this company, I have paid my money each month on time for 3 years, I paid my finance of last week in full, They took my DD out which I knew they would but they said they would refund me the money.
The lady I spoke to said that’s fine you don’t need to call us once the funds are cleared I will refund the £200 to your account.. Guess what the funds cleared last Wednesday the finance on my car has been paid but the refund has not been paid even though my black horse account shows 0, where is my refund?? I spoke to someone else who says it was sent to me by cheque and can take 10 working days, who sends cheques, I was told they could cancel the cheque that will take 5 days then they would have to raise a refund request that takes another 5 days then another 3 days to transfer the money.. all I want is for my money so i can start paying for my new car… come on Black horse get your act together

Car was completely faulty left paying 350 a month for a car I couldn't drive

Stay well away from this finance company!
Customer service is awful, I took a small loan out for a car, was passed immediately, then two weeks before delivery they just pulled the plug on the finance without any information.
Luckily for me it didn’t matter as I had the money anyway but still awful service from a company with no morals!
I can see now why they’ve been looked into for false claims!
My advice, use another company!

I had a PCP contract and ended it early (by selling my finance to we buy any car). I have had my lease with BlackHorse for over 3 years and they have been fantastic. If I ever called with a query, their customer service is superb, best I have experienced in a long time. Always friendly and kind, super helpful in answering my queries, and I always leave the calls happy. I have to deal with a lot of awful calls and bad customer service, but I hope Black Horse never change their customer support staff.

Website is pointless if you need to change an email address or password. It has all the eye candy but, upon copy/pasting the very same password used to access the site as a form of authentication for a change, you are met with the password is wrong, which basically means they are forcing you to use the ancient letter or telephone support system. It's 2026 BHF not 1922 ?

I struggle to understand why these guys have any lesser stars than 5* my experience with these guys was brilliant and i dealt with multiple people over the phone very professional, 100% accurate advice was given and my query was dealt with straight away.

Returned a car to Black Horse at the end of a PCP agreement and was hit with hundreds of pounds of alleged “damage” charges with no initial explanation or evidence.

When I challenged them, part of the bill was quietly dropped because the inspection photos were unclear. Despite that, Black Horse continued chasing the remaining balance without providing clear proof the damage existed when the car was returned or that I was responsible. The car was then sold through BCA auction without any repairs being carried out - I know as I watched it go through - which makes the charge even harder to justify.

The worst part: while this charge is formally disputed and now with the Financial Ombudsman Service, Black Horse have placed a six-year default on my credit file. I was told that if I paid the disputed amount, the default would be marked as “satisfied”.

In plain terms: pay a charge you dispute, or accept long-term damage to your credit record.

This feels less like customer service and more like financial pressure. I would not use Black Horse again and would strongly warn anyone on a PCP to document everything and be prepared to fight post-return charges.

Car purchased on finance with Black Horse in April 2025. In December 2025, the vehicle suffered a catastrophic mechanical failure. This breakdown is directly linked to a manufacturer recall, which I was formally notified of in November 2025.
Despite clear evidence, Black Horse have refused to acknowledge any responsibility under the Consumer Rights Act 2015. I have been able to demonstrate that the vehicle was sold with an inherent fault, as the recall letter explicitly identifies a design and manufacturing defect that leads to premature wear and/or failure of critical components.
As the finance provider, Black Horse are jointly liable under consumer law, yet they have consistently failed to act appropriately or fairly. They have also failed to meet their duty of care under FCA regulations, showing little understanding of their legal obligations or willingness to resolve the matter.

This situation has had a serious impact on my family. We are a household of six, including four children, two of whom are under the age of four. As a direct result of Black Horse’s failure to deal with this matter appropriately, we have been left without the use of a vehicle for over seven weeks. This has caused significant disruption to daily life, including childcare, work, medical appointments, and essential travel, adding unnecessary stress to an already difficult situation. The attitude and conduct of the "complaints handler" can only be described as vile and unsympathetic.

This issue is now subject to ongoing discussions with the Financial Ombudsman Service, following their "case review", due to Black Horse’s continued refusal to comply with consumer law and regulatory standards.

Based on my experience, I would strongly caution anyone considering finance through Black Horse. Their approach when something goes wrong is dismissive, obstructive, and legally questionable.

Black horse have been so helpful when my car dealer would not settle my finance. Communication on their side was 10/10, they pressured dealer and I finally had my car settled and my overpayment returned at last. Brilliant finance company.

Disgusting company. Raised a dispute over an issue.
Staff were nothing but vile in their conduct.
Any company that allows staff to talk to consumers in that way should not be allowed to operate.

Fantastic experience as always
Keep it up black horse

This is a awful not helpful big money monster of a company only interested in making massive profits and won't let customers settle finance early without massive penalties.

Customer service is awful and completely incompetent.

We bought a Company Car through Sytner BMW who set us up with this Company for the remaining balance for the new Car on PCP finance, After looking into the finance package we decided to pay the balance in full within the 1st 8 days of the agreement being set up, to our astonishment they wanted over £500.00 in Interest which worked out at £60.00 plus a day in interest WOW.

We logged a complaint and they told us it will take up to 8 weeks to get a decision on our complaint about this extortionately high interest which would have took us into another higher Interest payment to settle which they new about its just a tactic to extract more money out of the customer, we worked this out straight away no morals at all.

We chased the complaint up numerous times within the 8 week period, spent money on calls and spent hours on calls getting terrible responses and getting sent down the garden path "as the saying goes" by numerous representatives going from pillow to post without any answers or moving the complaint forward.

We also got Sytner BMW (Sheffield) involved that was a complete waste of time, They were part responsible for this debacle as they sold me the finance with Blackhorse instead of using there own BMW Finance (Must have been making more money out of the Blackhorse package would be my guess) so if you are buying a New Vehicle check what Finance Company the Dealership are using before you sign the deal as you don't want these.

We decided to settle the outstanding Finance with the front loaded high interest about three and half weeks after the purchase of the new car with the complaint still outstanding, We then had a text update saying the complaint had gone over the 8 week timescale they said it would have been to reach a decision, Another shambles.

We then received the decision in writing about 11 weeks after the original complaint was logged telling us they weren't doing anything in regards to reducing the high interest they'd applied to the early settlement figure, WHAT A SURPRISE NOT...........

We can't be bothered to go to the Ombudsman to appeal the complaint has the stress has taken us over the edge already after 11 weeks of misery so we've had to take it on the chin as a very costly mistake using this company we now need to move on.

I have been a customer with Black Horse for almost a year, and my experience has been nothing short of frustrating and stressful. My car had issues from the start, yet Black Horse relied too heavily on the dealer, failed to gather any independent evidence, and repeatedly missed deadlines I set.

They did not disclose my car’s diagnosis when requested, offered no answers or solutions, never provided a replacement vehicle, and did not pause my payments so I could arrange a hire car. The lack of a fair, thorough, and transparent investigation left me completely stressed, inconvenienced, and disrupted.

It was only after my second complaint to the Financial Ombudsman that Black Horse finally took any meaningful action. Even then, they effectively paid me off and accepted the car back in a way that meant the Ombudsman would not need to investigate, rather than providing a proper resolution. I had to drive the process at every stage, which is unacceptable for any customer.

I would strongly caution anyone considering their services—resolving issues can be extremely difficult, and you may need to escalate externally before anything happens.

Hi folks,if you currently have any form of finance whether be motor,caravan or motorhome finance with Blackhorse and you make payments online.Please DO NOT make any payments online through the customer website as I made a payment on the 13th January and its still sitting in my bank account as pending although I had funds in there.Your best to make a payment over the phone.