Black Horse Finance Reviews 

586
TrustScore 2.5 out of 5

2.6

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Review summary

Created with AI, based on recent reviews

Considering 110 reviews, most reviewers were unhappy with their experience overall. Many people encountered significant problems with payments, including unexpected increases, charges for already settled vehicles, and difficulties making online payments. Customers frequently reported issues with the products financed, such as cars breaking down shortly after purchase, being unfit for purpose, or having undisclosed faults. Reviewers often described customer service as unhelpful, unresponsive, and difficult to communicate with, leading to frustration and unresolved complaints. However, some customers also noted positive experiences with the service, finding the finance process quick, easy, and straightforward. A few people also felt that specific staff members were very helpful and informative, making the process easier to understand.

What people talk about most

Customer service

Customers had ambiguous experiences with customer service, with some reviewers expressing satisfaction with... See more

Service

Reviewers highlight ambiguous aspects of service, with some customers expressing satisfaction, citing quick... See more

Payment

Clients share negative opinions on payment, with many reporting issues such as being charged for vehicles... See more

Staff

Consumers find staff to be ambiguous, with many reviewers reporting negative experiences due to incompetence,... See more

Product

Customers consistently express dissatisfaction with the products, primarily vehicles, they received, often... See more

Reviews shaping this summary

Rated 3 out of 5 stars

Black Horse Finance very quick and efficient in their credit checks. Very quick in their decision making for approval. Not transparent enough to explain their decision on the APR and what customers ne... See more

Rated 2 out of 5 stars

After paying a deposit and agreeing a monthly payment figure for a car I was buying on finance, I was informed during the collection appointment 3 days later that the monthly amount had increased by a... See more

Rated 2 out of 5 stars

Missed one payment in 7 years, have had multiple calls from them with bots to call them. Called them several times but no one answers,the system just goes around in a circle,got a letter about missed... See more

Rated 4 out of 5 stars

Quick and clear process that was fairly simple to complete. Prompt follow up welcome message containing useful information in a short, easy to understand visual presentation. Something new to me and p... See more


Company details

  1. Car Dealer
  2. Non-Bank Financial Service
  3. Used Car Dealer

Information provided by various external sources

Black Horse offers finance for new and used cars, caravans, motorhomes, motorbikes and scooters through our network of over 4,500 dealers across the UK.


Contact info

2.6

Poor

TrustScore 2.5 out of 5

586 reviews

5-star
4-star
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1-star

No history of asking for reviews

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

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2.6

All reviews

(586)

109 reviews in the last 12 months

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Rated 4 out of 5 stars

I had a loan twice with Black Horse…

I had a loan twice with Black Horse Finance. I’m happy with the service. They gave me a loan when I needed it. My only issue was when I settled the loan the bank made an extra payment on both separate loans. It has taken over 14 days to return the money back to my account.

August 28, 2025
Unprompted review
Rated 2 out of 5 stars

Missed one payment in 7 years

Missed one payment in 7 years, have had multiple calls from them with bots to call them. Called them several times but no one answers,the system just goes around in a circle,got a letter about missed payment, no bank details included to pay online! This has affected my credit score which was perfect.
I managed to create an account online and make a payment,

August 10, 2025
Unprompted review
Rated 4 out of 5 stars

Quick and clear process …

Quick and clear process that was fairly simple to complete. Prompt follow up welcome message containing useful information in a short, easy to understand visual presentation. Something new to me and probably very helpful to people getting there first loan.

August 2, 2025
Unprompted review
Rated 1 out of 5 stars

No chance of answering phone

My uncle tried to pay my loan off, had to jump through hoops over the phone setting up a password. Took forever. I phoned up offering to give the password and they refused to take his payment in case of ‘money laundering’. Bizarre. Also now my loan is paid I can’t log in to my account to view the settlement.. but can’t get through on phone.

July 19, 2025
Unprompted review
Rated 5 out of 5 stars

Yeah, I recommend these guys.

Well... they accepted me, so that's a good start.
Simple questions; only took one email to the dealer, and we're good to go.
APR is good, and I can pay early and save interest, which is what I do anyway.
The welcome video is excellent, and it's personalised - how good is that?

July 16, 2025
Unprompted review
Rated 1 out of 5 stars

I looked up my loan settlement which…

I looked up my loan settlement which was £5215, payed £252 looked up my loan settlement again and it went up to £5263! Absolutely disgusting. I've since settled the loan with no explanation as to why it went up. All through the loan the settlement figure was always less than the loan amount after I had paid my monthly repayment. NOT happy.

May 8, 2025
Unprompted review
Rated 1 out of 5 stars

Just spent 15 mins repeating my DOB

Just spent 15 mins repeating my DOB, Postcode and Agreement number verbally and via phone....

Company is an absolute joke no wonder claims going against them.. How about actually investing some of that money you make it to customer care...

July 10, 2025
Unprompted review

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