Blue Motor Finance Reviews 

This company will deliberately put you in debt.
They work alongside dodgy back street garages, no protection for the customer in using 'finance' it's a complete scam. Senior members as they say will contact you back and all they do is read from a script. Say a vehicle can't be returned in the cooling off if it meets reasonable standard but the vehicle I purchased doesn't as it has been poorly repaired and devalued by easily 10k! how is that reasonable?
My circumstances have also changed and I am not in a financial position to uphold payments this is all within 48 hours and they refuse to accept a vehicle back and watch someone struggle! the dealership even confirmed they would accept the vehicle back on a so called recorded call and now denying knowledge and still the finance company turn a blind eye.

In reply:
"this is incorrect for regulated consumer HP agreements. According to UK legal regs you can cancel a regulated car finance agreement within 14 days under the Consumer Credit Act 1974, this applies to HP, PCP, and conditional sale agreements. The 14 day cooling off period begins on the day you sign, you can withdraw without penalty by notifying the provider. Car buyers with finance agreements have a 14 day right to withdrawal which legally cancels the finance agreement
This applies to HP and PCP
I have screen grabbed this response for the ombudsmen should it be needed

DO NOT EVER USE THIS FINANCE COMPANY.
Purchased a car that was not fit for purpose, rejected within 48 hours and the finance company are refusing to do anything, I don’t even have the vehicle and they are saying I am liable for it and need to make all payments.
Complete con no safety in finance protection what so ever ! Work alongside the dodgy dealership selling rip off badly repaired vehicles!!!

I was having difficulty in my repayments they gave me a breathing space and sign posted me to debt charities to help me, also gave me options with my vehicle.

Very easy to deal with, excellent customer service team, very helpful.

Not willing to help had issues as it was mifiring with my car and now they been sorted they can't compensate. Not being funny they would soon moan if the car was repossesed and it wasen't in a suitable state. Very unhelpful staff and poor customer service. Will be refinancing my car👍

Asked for early settlement have never missed a payment they offered me 39 pounds very very poor !!

If I was able to give this place zero stars I absolutely would, run from blue motor finance at all cost. I have had the worst experience with this finance company, and I will never in my life do any type of deal with them and will warn everyone I can about this company. Firstly, if you change your mind about not wanting to do a finance agreement with them, they try and say that you (the individual) can’t cancel it; they have to get the cancellation from the dealership- which I’ve never ever heard of. For over a month I have tried to sort my issue with them and a dodgy dealership that they are partnered with and have been given the complete run around. After multiple calls, multiple complaints and misinformation from different colleagues and employees, the situation has only been resolved over a MONTH later. They refuse to help when I explained to them the difficulties I was facing with a part exchange that didn’t go through (I never had the car in my possession and had cancelled the sale the day after the agreement went live) with them still holding me liable for a car that I never even had. They refused to contact the dealership and said they don’t talk directly to the dealership, yet when it came down to putting the sale through originally their employees were calling directly to make sure the deal was finalised. Run as far as you can from this company, they only care about commission and profits, not the people. Dealing with them has affected my mental health severely, with me waking up everyday worrying about this issue that I received no help from them to help rectify. If blue motor finance is offered to you for your finance, look for a better deal elsewhere as fast as you can, they are the worst!

these guys have been great so much better than the last company i took finance out with, prompt responses, always kept me up to date with the next steps and were really helpful in advocating for me with troubles i had with the selling dealership special thanks to samuel my case handler he did a great job would deffo recommend if taking out finance to go with a company that go the extra mile like this

I got a car on finance and had problems with it in first 3 months and they were no help at all and were shocking with communication, the dealership accepted and paid 3500 towards the bill, however no contribution from blue motor finance which I find shocking considering they own the car so are just as responsible as the dealership, definitely would’t recommend and as soon as I can refinance I will be getting away from this shocking company.

Superb financial support and the best place to finance a car. Straightforward personal loans that are taylored to suit individual budgets. A sincere and friendly service with exceptional financial support. A first-rate customer experience. Strongly recommended and affordable auto financing.

Phoned up today for assistance with payments. Normally calls with other companies take forever to get through and it’s a nightmare, however, Lynne with blue motor made my life easy. Very helpful, extremely polite and informative. Thanks again Lynne.

They are always there to help. Nothing but praise for them

do not go with this company

if you want to reject a car within the first 14 days, as you can under the Consumer Rights act, Blue Motor will tell you they wont accept a rejection of the purchase

have complained to the ombudsman and awaiting their response.

Blue is dodgy and dont abide by consumer rights

Spoke to Ryan today at Blue Motor Finance. He was very polite, extremely helpful and he resolved the issues that I had really efficiently.

Blue Motor Finance (BMF) is actively exploiting automated loopholes and manipulating credit files to apply financial pressure during active litigation. Their predatory conduct calls into question their fitness to hold an FCA consumer credit license.

After formally accepting that the vehicle they financed was not of satisfactory quality, and was supplied with an active, outstanding manufacturer safety recall (24E06) for a fire-risk Diesel Particulate Filter defect, they have completely refused to execute a proper statutory remedy. Instead, they have engaged in:

Unlawful Asset Grabbing: They have refused to properly unwind the agreement following the legal rejection, attempting to pocket my £10,700 part-exchange asset and £1,800 deposit. This is a blatant attempt to unlawfully hoard consumer equity.

Denying Public Safety Records: They explicitly denied the safety recall existed in their final response letter, despite the official DVLA database publicly confirming the fire hazard.

Fabricating Credit Strings: They manipulated my credit file by reporting January, February, and March 2026 as "Paid" (when I paid nothing), then switching to "Missed" for April, May, and June, all on an agreement they had already terminated. A consumer cannot legally "miss" a payment on a dead contract.

Procedural Absurdity: They issued an impossible Default Notice on 9th April 2026, just 9 days after their own records claimed the account was fully "up to date."

The Financial Ombudsman Service (FOS) actively enabled this behaviour. Rather than enforcing consumer protection laws, the FOS acted as a bureaucratic shield for BMF. They issued an absurd decision that completely ignored BMF's unlawful asset grabbing, excluding my £10,700 part-exchange equity on the flawed logic that a financed trade-in asset belongs to the lender, not the consumer.

While responsible companies like Experian have acted swiftly to protect consumer data, BMF continues to use deceptive reporting to damage consumer reputations during active court proceedings.

A formal complaint has been escalated to the ICO. BMF’s systemic failure to treat customers fairly, combined with their predatory asset retention, is being formally compiled for the FCA to question their suitability to remain a licensed lender. The County Court will now enforce the statutory restoration that BMF and the FOS tried to bypass. Avoid at all costs.

If you have finance with this company, I recommend requesting your DSAR under Data Protection Law. The data I received raised serious concerns for me

If I could give this company zero I would. The sales process, you think Wow, these guys are great. However, I have found Blue Motor Finance’s complaints handling to be extremely poor, inconsistent, and frustrating.

On 14/12/2024 the timing chain on my used vehicle, that i’d had for only 28 weeks, snapped and destroyed my engine, leaving £10ks worth of damage. It was due no service or MOT. They were done by the dealership before I bought the car, or so I thought.

Because my complaint was raised just outside of six months, I was told that the burden was on me to prove the fault, and I was instructed to obtain my own independent mechanical report. Despite this, Blue later changed their position and arranged for their own chosen inspection company to attend. That inspection was wholly inadequate, in my opinion — the engineer was at my property for no more than eight minutes from arrival to departure, which can hardly be described as a meaningful investigation.

Crucially, the inspection failed to inspect the oil filter at all, despite this being directly relevant. When the vehicle was later properly examined, when I commissioned my own report, it became clear that the oil filter had not been changed for approximately five years and contained an after market filter not suitable for the vehicle, directly contradicting the dealership’s claim that it had been replaced as part of a service carried out at point of sale. I managed to trace the original filter back to a service in 2021. It also had more owners than advertised.

The complaint ultimately went to the Financial Ombudsman Service, who issued a final, binding decision in my favour, which I accepted on 5 December. The vehicle was collected on 23 December. Despite this, Blue Motor Finance failed to comply within the required 28-day timeframe, 5th January 2026.

As of today, I have received no confirmation of the redress amount, no payment, no account update, and their own customer portal still shows a missed payment dated 28 December, continuing to treat the agreement as live, despite having a decision on 5th December, over 3 weeks prior. It took them 18days to arrange a vehicle collection.

The shifting positions, superficial inspection, and failure to act even after an Ombudsman decision demonstrate a serious failure in complaints handling, investigation standards, and customer care.

If you are offered an inspection by Blue Motor Finance for a fault that arises outside of six months, I would strongly recommend, based on my experience, commissioning your own independent report ONLY!

Had finance on a car that was stolen. I requested an early settlement figure which was higher than the insurance would pay out. This left me with a £1,700 shortfall and had 90 days to pay the reminder in full or I could go on a payment plan. I called up on the 17/12/25 to settle the outstanding amount and because I was doing so before the 90 day's I'd save £121 and a few pence so I paid it off. I requested an email to confirm all had been paid off and that there was no further outstanding monies due which the email I received confirmed. Upon checking in on the portal a few days ago to make sure it had all been done, I noticed it was still saying I owed the £121 to which I didn't. I spoke to an advisor today who told me I'd get a refund in the next 7-10 working days! Because of the time it will take to clear, I'm going to have to use my overdraft which I will now get charged for through no fault of my own. Really disappointed and frustrated to be honest. The advisors tone suggested that It was my fault as I should have cancelled the direct debit when in actual fact, my account should have been closed when I paid the balance before Christmas.

easy process, good service