Blue Finance Reviews 

Blue credit finance put out at based in England and you can only transfer money between UK branches all others swift transfers or IBAN
However just type in blue credit finance and you will quickly discover it's based in Nigeria also it's fairly well with duties embedded on the pages there was not particularly real

I am extremely dissatisfied with the way Blue Finance has handled my husbands hire purchase agreement and the subsequent failure of the vehicle I financed through them.
He purchased a vehicle from a motor garage under a five-year hire purchase agreement. Just six months and two days after the purchase, and having driven only approximately 8,000 miles, the vehicle suffered complete engine failure, rendering it unusable.
He immediately raised concerns with the garage regarding the condition and reliability of the vehicle, particularly given the very short period of ownership, the relatively low mileage covered and the fact that the garage was unable to provide service history beyond 2024. He then reported it to blue finance in hope of support in this matter. In my view, these circumstances warranted a proper investigation into whether the vehicle was of satisfactory quality and whether the failure was consistent with what could reasonably be expected from a vehicle supplied under a long-term finance agreement.
Blue Finance initially appeared willing to assist by facilitating an independent inspection/report to establish the cause and extent of the engine failure. However, this position subsequently changed, and the proposed assistance was withdrawn. This change in approach was particularly concerning given that the finance agreement is a hire purchase agreement, under which the finance provider may have statutory responsibilities in relation to the vehicle supplied.
He was subsequently informed via an ACE report commissioned by the garage that the engine failure would be regarded as “fair wear and tear during ownership.” He has repeatedly challenged this position and requested that the matter be properly evidenced and investigated. He has not been satisfied with the explanation provided as to why a complete engine failure occurring only six months and two days into a five-year agreement, after approximately 8,000 miles of use, should automatically be categorised as normal wear and tear.
The position taken by Blue Finance has also created what appears to be a significant contradiction.

Because he is continuing to make payments towards a vehicle that I he cannot use, he explored the possibility of early termination of the agreement. He was advised that he could potentially terminate under the relevant early termination provisions, subject to the applicable payment/fee, but that he would remain responsible for repairs considered to be beyond normal wear and tear.
He specifically asked whether the failed engine would be covered, given that Blue Finance’s position was that the engine failure constituted wear and tear and was therefore not its responsibility. He was informed that the responsibility remained with him to maintain the functioning of the vehicle.

This leaves him in an extremely difficult position: Blue Finance has characterised a catastrophic engine failure as wear and tear when considering whether it should assist with the vehicle, yet appears to maintain that he could remain financially responsible for the same failure if he terminates the agreement.

We consider this approach to be deeply unsatisfactory and believe the matter warrants proper consideration against the finance company’s statutory obligations under the Consumer Credit Act 1974 and applicable consumer protection legislation, rather than simply being dismissed as wear and tear without an adequate independent assessment.

Our concerns are not simply about the mechanical failure itself, but about the manner in which my complaint has been handled. Communication has been slow, the position taken by Blue Finance has changed materially during the course of the complaint, and I have received very limited practical assistance in resolving what is a significant financial and consumer dispute.

We have effectively been left paying for a vehicle that is unusable, while being told that the cost of addressing the catastrophic engine failure is my responsibility. At the same time, the finance company’s initial willingness to investigate the matter appears to have diminished considerably as the implications of its responsibilities under the hire purchase agreement became apparent.
We are not suggesting that every mechanical failure automatically creates liability for the finance provider. However, we do believe that a complete engine failure after only six months and approximately 8,000 miles requires a properly evidenced assessment, particularly where the supplying garage cannot provide a complete service history and the finance provider itself has declined to facilitate an independent investigation.
We would therefore urge people to not begin business with this company

For Those People thinking they will get Compensated under the Financial Conduct Athourity Redress Sceame You will get Nothing. In November December 2026 Blue Motor Finance Ltd will Go Down and bring in The Official Recievers. That is what thesse Crooks do. Go onto the Governments Companies House Website and see the Amount of Resignations. That is why You never recieve a Reply to your Letters. Don't Hold your Breath You will get Nothing Just like Provident Clients. They went down on Christmas Eve.

Wants all your banking details and information

They are online scammers that took a lot of money from me! The group listed in my profile corrected it.

They called asked to be deleted off system someone else from the company called the next day asked to be deleted off system someone else one called the following day again but from a different number. Blocked

SCAM
Will ask for money in fees and insurance and not give you the loan.
Reported to fraud team

Definitely a scammer!! He knows nothing about APR. And when I confronted him about these reviews he said they don't have a website mmmmmmm. Alarm bells ringing so put down the phone. When I called back they just kept hanging the phone up so. Yeah. Defo a scam. Cos he didn't know the relivent info a legit company would offer

They are a scam. They will offer you a loan and then also set up a direct debit with you so they take 3.99 from your bank every month. If you hear an Indian guy speak, hang up immediately.

Their number kept calling me relentlessly for days and I finally answered. The man on the line told me I am looking for a loan. I began to explain that I’m not and half way through thanking him for his call today just out of politeness he hung up on me. Steer clear from this company. Possible scammers, they have your data if they are calling you and don’t even give you a chance to ask for your data to be removed as they just hang up on you don’t go along with them.

Unsolicited call offering unsecured finance, scam or really questionable action

This company phones me numerous times a day. Saying I can see you have been looking for a loan. No I haven't. I was going to ask caller to stop calling me 5 times per day but he hing up. Without a shadow of doubt this is a scammer. Even if i were looking for a loan I would not use a random cold caller. I have reported this number for harassment

Obvious scammers. Evening about the phone call was too unprofessional to be a genuine company

Terrible service cant even get hold of anyone made a complaint and rejected a car that kept breaking down the dealer said hed pay money back and this company dont answer emails or calls its a joke . I need a car for my job and they take so long to do anything its a joke never again

Is this company legitimate? I tried to call back number someone called me but it cut direct. Thankgod I didn't gave my details

BEWARE!!!!!! This is a scam, THIS IS NOT BLUE FINANCE MOTOR'S, the website is a scam and not a real website just a poxy page, no contact details no APR info

To every person here giving this site a high rate review, you people are wrong, this is Blue Financing not Blue Motor Financing. These are two different companies and your bigging up a company that isn't credible. I have just had a call which turned into a debate. I had a call centre guy offering me a loan and instantly he said how would you like £2000, all I need is your detail to process the form and we will pay you within 24hrs. This company site as nothing to back up it's loan policy, it doesn't state APR or nothing just a cheap looking site anyone can put together by copy and pasting print. So I asked ok if I'm interested how much APR a month do I need to pay. He couldn't give me that and when I asked why can't I see the details first then apply back, he wasn't having it all. I'm not an idiot, if I followed through with this call I could of ended up with a huge fee in my bank and a email contract that could screw me over. Each and every one of you bigging up this company are bigging up the wrong company. Something ain't right when a caller can't give you the details over the phone and exactly how much I would pay monthly, it's awful I have never had a loan in my life and I have applied since I was 16 years old and I'm now 41 years old. I actually need few thousand that I can pay back monthly but I get turned down always yet I get companies like this who are not certified and legit calling me. This is not Blue Motor Finance and you people need to delete your reviews.

Obvious scam.
Never signed up or gave my info.
Cold calls daily from different cities in UK. Checked, they haven't official offices in any of the cities they call from. Agents do anything to keep you in the phone and giving personal details. Disgusting people who are targeting in bad situations. Should be shut down immediately and employees / investors should all be imprisoned for continuos harassment and GDPR breaches. Horrible horrible people who will not take 'go away' as an answer

Best company ever. With lowest % use every 3 years