Blue Motor Finance Reviews

Blue Motor Finance provides tailored vehicle finance solutions with positive customer reviews, highlighting its reliable and customer-focused approach.

Here are the Trustpilot Reviews from Blue Motor Finance:

Here are the Reviews from Blue Motor Finance:

Bought a car on finance when not in the right frame of mind (suffering from depression) phoned up to see what my options was, I spoke with a lovely lady called Lynne she was very helpful & explained everything I could do, So it helped me out of getting a black mark on my credit file. Will use them again If I need to in the future. Many thanks to Lynne

DM Darren Mccann

The most amazing emphatic company I have ever dealt with. I lost both my parents in a very short time of each other and had to give up work they helped me above and beyond so I didn't get a mark on my credit file and everyone that I spoke to was so lovely and kind

Mandy Conner

Bad service

Vincent Eziashi

My experience with Blue Motor Finance has been extremely disappointing. The vehicle I financed broke down four times within six months, with the same fault returning despite multiple repairs. It became clear the car was not reliable, not durable, and not safe to drive. I exercised my right to reject the vehicle under the Consumer Rights Act 2015, which protects buyers when a car develops faults within the first six months. My goal was simple: to return the car due to repeated breakdowns. I made the request within the legal timeframe and provided full evidence of the issues. Despite this, Blue Motor Finance refused to support my rejection and would not allow the return of the vehicle. I've been left paying £89.89 per month, plus tax and insurance, for a car I no longer feel safe using. Their complaint handling was slow, dismissive, and showed little regard for my legal rights as a customer. I am now pursuing the matter through the Small Claims Court. I would not recommend this finance company based on their lack of support when serious issues arise.

Matthew O'Brien

Shocking I had to voluntarily terminate my policy as the car I had it's engine had went contact them several times was told that was fine as I had paid over 3 years to the finance so the car was scheduled to be picked up on the 5th of June and I was told in may to cancel the direct debit which I did they have went into my bank account on the 6th of June to collect a monthly payment which they shouldn't have done as I no longer have the car which was picked up and returned to them it has went on my credit file as a missed payment therefore has had a impact on my credit score ! !!!!

MA Miss Angela Hannon

Awful company, dont even sign their name on the bottom of complaints emails so could be getting passed around to 10 different people. Complaints process is worst ive ever experienced, avoid.

Cieran Stuart

Explore Blue Motor Finance's Finance Solutions:

Hire Purchase (Used Car Finance)

£1,000 – £25,000

Hire Purchase (HP) - Motorbikes

£2,500 - £60,000

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Explore Blue Motor Finance's Finance Solutions:

Loan Type:

Hire Purchase (Used Car Finance)

Loan Range:

£1,000 – £25,000

Loan Terms:

24 months to 60 months

Minimum Turnover and Trading Age:

Not applicable (consumer lending)

Interest Rate:

8.9% – 29.9% APR representative

Fees:

Option to Purchase fee (~£10); late-payment fees; no early repayment penalty beyond statutory interest rebate

Loan Type:

Hire Purchase (HP) - Motorbikes

Loan Range:

£2,500 - £60,000

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More About Blue Motor Finance

Blue Motor Finance Limited is a UK-based motor finance lender specialising in hire-purchase agreements for used vehicles. Established initially in 2004 and re-launched with a fintech focus in 2014, it offers rapid credit decisions through proprietary technology. This lender works exclusively via a nationwide network of car dealerships, making it suitable for consumers seeking quick motor finance at the point of sale. Learn more about financing options and specific lender profiles on Funding Agent.

Key features of Blue Motor Finance Limited

Blue Motor Finance provides a fully digital hire-purchase process with fast decisions and on-site dealer finance. Its technology platform supports a paperless approach, customer self-service, and integrated dealer API solutions.

Instant credit decision engine integrated with dealer systems – see asset finance.
Soft-search pre-approval (Blue Score) preserves your credit rating – learn about credit scores.
Fully digital documentation with e-signature, no paperwork – use our tools for digital applications.
Customer portal for balance checks, payments, and early settlement quotes – explore calculators.
Regulated by the Financial Conduct Authority (FRN 631545) providing consumer protection – read about regulation.

Funding eligibility

You may qualify for Blue Motor Finance if you are a UK resident aged 18 or over with a full UK driving licence. The lender requires an affordability check and credit assessment. Eligible applicants must apply via approved UK dealerships, as direct private sales are not supported. For more details, understand loan qualification criteria.

Loan options

Blue Motor Finance offers a single loan product: hire-purchase agreements for used cars, aimed at near-prime borrowers needing vehicle finance at dealerships. Amounts, terms, and rates are fixed to suit typical car purchases.

Hire Purchase (Used Car Finance) – Loan amounts from £1,000 to £25,000 with terms ranging from 24 to 60 months. The representative APR ranges from 8.9% to 29.9%. For full product details, visit our hire purchase loan page.

How to apply

Applying for finance with Blue Motor Finance is a digital process designed for speed and convenience. Decisions are typically made within seconds, allowing same-day funding on approval.

Submit a digital application via an approved car dealership or online/phone – see our application form.
Provide required documents such as proof of identity, address, full UK driving licence, and recent payslips or bank statements.
Review and sign digital contracts electronically using secure e-signature software.
Receive same-day funds transferred directly to the dealership to complete your vehicle purchase.

Funding Agent’s view on Blue Motor Finance Limited

Blue Motor Finance serves a specialized niche in UK hire-purchase vehicle finance with quick underwriting and digital convenience. It caters to consumers needing point-of-sale motor funding but at higher APRs than mainstream bank loans. Those with access to lower-cost unsecured credit may find alternatives more cost-effective. Consider your eligibility and loan options carefully.