Black Horse Finance Reviews 

590
TrustScore 2.5 out of 5

2.5

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Review summary

Created with AI, based on recent reviews

Looking at 111 reviews, most reviewers were unhappy with their experience overall. Customers frequently experienced poor customer service, mentioning long telephone wait times, unhelpful assistants, and unresolved complaints regarding faulty or damaged vehicles. Many individuals also faced unexpected payment issues, including delayed processing, unannounced fee increases, and ongoing difficulties clearing their finance contracts smoothly. Some reviewers were happy with the straightforward finance process and helpful staff members. These individuals found managing their monthly payments very easy and appreciated receiving clear explanations throughout the entire application stage. They also praised the quick approval times and consistent support received when organizing their vehicle purchases.

What people talk about most

Customer service

Customers consistently note negative experiences with customer service, reporting that it is an absolute... See more

Service

People report ambiguous experiences with service, reflecting a wide range of differing consumer opinions.... See more

Payment

Customers consistently express deep frustration and disappointment with payment processes, highlighting... See more

Staff

Reviewers highlight ambiguous aspects of staff, presenting heavily divided opinions. While many customers... See more

Product

Clients share negative opinions on product quality, consistently reporting severe mechanical failures and... See more

Reviews shaping this summary

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 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

Can't be specific, because Black Horse couldn't be specific either, about something in a letter sent to me at the end of their agreement 🤣 Clue: it involved money...in THEIR favour. LOL!

Rated 1 out of 5 stars

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 fina... 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

2.5

Poor

TrustScore 2.5 out of 5

590 reviews

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No history of asking for reviews

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2.5

All reviews

(590)

108 reviews in the last 12 months

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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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Rated 1 out of 5 stars

Beware of Potential Data Breach

I recently took out a Black Horse policy after buying a used car and when I tried to create an online account I got a message to say that I already had an account, so I tried to log in, but it didn't recognise my email address. Turns out, someone else's email address has been assigned to my account, and when I called Black Horse to query this I was told it is a known fault with their website/app that is effecting some customers and the problem would need to be logged with IT. The lady I spoke to couldn't tell me when the issue would be resolved and more importantly, she couldn't be certain that someone else couldn't access my account and see all my personal details. I was just told to "keep checking on the progress", which I think is an appalling way to treat customers who are trusting you with their data. Black Horse should be keeping me informed, I shouldn't have to chase them. I can't believe after all the recent data breaches that Black Horse are not taking more steps to ensure their systems are secure. It's just unacceptable.

June 12, 2025
Unprompted review
Rated 5 out of 5 stars

Gabrielle- very helpful at sorting out…

Gabrielle- very helpful at sorting out my issue when other staff were not as helpful

Gabrielle was very helpful this morning when i needed assistance this was after I had spoken to another member of staff who wasn't very helpful. Thank you! :)

June 11, 2025
Unprompted review
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Rated 1 out of 5 stars

Awful website

Awful website. I have an online account which I’ve never had any difficulty logging into before. It is now asking me to change my password but won’t allow any of the new passwords that I’m trying despite them all meeting the requirements set out.

June 9, 2025
Unprompted review
Rated 1 out of 5 stars

Disabled Customer Ignored for Over 2 Years

I’ve been trying to get a response re a complaint from this company for over two years. I’ve repeatedly told them I’m disabled and autistic, yet I’ve received no response, despite multiple attempts to contact them.

Their customer service is appalling, and their handling of my concerns including serious questions around the car sales commission, has been completely unacceptable.

This is a breach of both FCA rules and the Equality Act 2010. I’ll be taking this to the Financial Ombudsman Service.

Avoid if you’re a vulnerable customer as they do not care.

June 6, 2025
Unprompted review
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Rated 3 out of 5 stars

Still Awaiting a VAT Receipt

Everything worked as it should have until it came to the end of contract excess mileage. Having paid the correct fee, I asked for a VAT receipt but was advised that they do not issue them. I questioned this, and upon checking internally, they confirmed that they were required to provide one if requested. Well, here we are over a month later, and despite chasing them, I still have no VAT receipt.

April 28, 2025
Unprompted review
Rated 1 out of 5 stars

Purchase a car on finance reported the…

Purchase a car on finance reported the issues with the car to Blackhorse they wasn’t very helpful at all took 11 weeks and never received my compensation or the money back for the investigation into what was wrong with the car been left £3800 pound down due to having to get rid of the car ended up having to pay negative equity as it wasn’t worth what it was finances at during purchase they never ring you back when they say they will and conveniently haven’t received emails even though I emailed the same email that had received my emails before!!!!! AVOID YOURSELF THE HASSLE OF DEALING WITH THEM 😡

December 20, 2024
Unprompted review
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Rated 1 out of 5 stars

Absolutely abysmal website

Absolutely abysmal website. I was logged on, my password saved on my iPhone, nothing changed. Then all of a sudden I can’t log on with my usual details and nothing has changed. I have tried changing the password to no avail. Been like this for a month or so now.Can’t email them , or live chat, just a phone call which I can’t do while I’m at work and when I could call them they’re closed. You can’t even access their website after around 10pm at night when it will allow you log on. Bit of a joke really.

May 22, 2025
Unprompted review

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