Black Horse Finance Reviews 

Purchased a car from Big Motoring World, Cannock - part cash and finance, had an issue only 24hrs after collecting the car, reported to Big Motoring World who were no help at all, dismissed responsibility - took legal advice and was told to register complaint with Black Horse Finance, who were the finance company. They acknowledge the claim and yes it took them 51 days to respond (not ideal but within the agreed timelines), but when they did it was brill, they insisted the car was inspected, they then reviewed the garages findings and approved repair and several other things that were missed by Big Motoring World on handover without any issue or delay and they even paid me compensation for all the inconvenience caused (which was all by Big Motoring World), so my experience with Black Horse Finance was 1st class and cannot fault them and would use again if decide to purchase or upgrade my vehcile.

Trying to call just goes to hold and then line goes dead, joke of a company never take out finance with these guys again, these companies should just simply not exist.

Good communication with clear understanding.

I really liked using black horse until recently.
I’ve got a credit score of over 900 paid my finance agreements off with other providers to get finance on another bike. I have been turned down bear in mind I already have 2 finance agreement with black horse. 1 for under £20 a month as we paid most of it off and the other for under £100 as we paid a high deposit.
Thinking great they know I’m a reliable customer nope they rejected my finance…
I called yesterday to ask why and the team that deals with it refuse to speak to anyone as it’s a senior team. I then was told you can appeal and rejected again, I tried to contact black horse but their lines shut at 5PM and don’t open until 8:30/9AM which is when I start work and finish work (I work in education). No email
Option, no way of further discussion just a joke.
It’s a shame but I will come to the end of one of my agreements with black horse and then will pay off another early so I don’t have to use them again and will find alternative finance companies rather than black horse to use.

Rejected my approved 0 % pcp loan just before delivery with no sensible reasons. My credit score is excellent. Now told to re apply but wont give 0% pcp.

I am very disappointed and frustrated with Black Horse Finance. Their handling of my case has been completely unacceptable.

My vehicle was declared NotRoadworthy by an independent RAC inspection, and I made it absolutely clear that I have ceased using the car entirely due to safety concerns. Despite this, they have continued to drag out the complaint process and delay issuing a final response, showing no urgency whatsoever.

Because of their delays, me and my wife are now forced to rely on buses and taxis every day, while still paying finance, insurance, and road tax for a car that is essentially unusable. This is not just inconvenient — it is financially and mentally draining.

It genuinely feels like Black Horse has no regard for customers’ time, money, or wellbeing. Instead of resolving a serious issue involving a potentially dangerous vehicle, they are simply prolonging the process and shifting the burden onto the customer.

Worst finance company ever steer clear of them unless you want to be ripped off

Had a 4 year PCP, portal works well, easy to use. No problems.

When closing finance, new dealership didn’t clear the account in good time which led to an extra charge on my agreement, Joanne in settlements processed my refund for that overpayment on call with me straight away and was so helpful. Amazing customer service, and do wish my new finance agreement was with Blackhorse

Stay clear of this provider

I never usually write reviews but I dealt with a man called Julian from the solutions team and I honestly was blown away by how nice he was. He was so genuine and actually cared enough to put the effort into my queries and find me the solution I was after. He went above and beyond.

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.