Logbook loans with instant online decisions

Apply to borrow £100 to £5,000 today

3 to 36 month terms.

  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

Logbook loans – What are they?

Logbook loans are loans that are secured against your vehicle. During the period of the loan, the Logbook Loan company holds the title to your car until it has been repaid. The amount that you can borrow will depend on how much your car is worth, with some lenders offering loans of up to £50,000 but typically the lender will allow you to borrow a maximum of 50% of the value of the car.

Logbook loans questions:

Q1 – Are logbook loans secured on your car?
Q2 – Are there laws to protect customers?
Q3 – Logbook loans – How much can I borrow?
Q4 – What if I’m unemployed or on benefits?

Similar to other loans, you can experience problems if you fail to make your repayments. This issue is slightly more complicated for logbook loans as you have given your vehicle as collateral against the money you have borrowed. What this means is that whilst you can still drive the car during the loan period, the lender is effectively the owner of the car. Whilst nothing will change if you continue to make your repayments, if you fail, the company can take your vehicle away. Once the loan is repaid, you retain ownership of the vehicle.
There are of course various laws in place to protect people in such circumstances that could lose their vehicle including the fact that lenders must send you a default notice first, as well as providing you with 14 days to respond. Lenders will normally try to help you if you contact them if you are having difficulty making your repayments. All credit providers in the UK have to be authorised and regulated by The Financial Conduct Authority, this gives customers a great deal of protection as it means that their collection practices are closely monitored to ensure they are fair.

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Logbook loans – How much can I borrow?

Whilst, in general, you can borrow virtually any amount through a logbook loan, some lenders will set restrictions according to your financial status and your vehicle. For example, some lenders will only let you borrow amounts up to half of your vehicle’s value. Therefore, if you are considering one of these loans, you must always check that you know the true value of your vehicle and that this closely matches what you are looking to borrow.

Lenders have a duty of care to only lend to customers who can display that they can make the repayments. Some types of benefits such as disability living allowance may be accepted. If you are not sure you should speak to the lender directly as the criteria will differ with each provider. You will only be approved for finance if you satisfy the requirements for the individual logbook loan lender. You can apply for a loan through CUJ Loans without damaging your credit file as the lenders on our broker partners panel use soft search technology. You can also try an eligibility checker, which allows you to see if you will be accepted before you apply.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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