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Blue Motor Finance is a UK-based vehicle finance company that works exclusively through brokers and car dealerships. They are one of the fastest-growing lenders in the UK car finance market, with over £2.5 billion lent to more than 250,000 customers.

Known for their speed and technology, Blue uses real-time credit data and automated decision-making to give fast results — often in under 60 seconds. While they don’t accept direct public applications, they partner with approved brokers and showrooms to offer competitive hire purchase (HP) car loans.

Their finance options cover used cars, SUVs, and vans, including applicants with limited or poor credit history. Fixed-rate HP loans help drivers budget easily with clear terms and no hidden charges.

What Car Finance Options Does Blue Motor Finance Offer?

Blue Motor Finance offers car loans that are regulated for UK drivers. You can get these loans through brokers and dealerships. Most of what they offer is called Hire Purchase (HP). With HP, you pay the loan amount by making monthly payments. Once you finish paying, you own the vehicle.

Loans are there for both new and used vehicles, including:

  • Cars
  • SUVs
  • Vans

Blue does not offer personal contract purchase (PCP) or leasing right now. But they are good at giving competitive financing options to many kinds of borrowers. No matter your credit score, they work to help you get the financing you need.

Key Product Features

Feature Details
Finance Type Hire Purchase (HP)
Loan Amount £2,500 – £25,000+
Loan Term 24 to 60 months
APR From 9.9% (representative APR varies)
Deposit Usually not required, depending on broker
Ownership You own the vehicle after the final payment
FCA Regulated Yes – FRN 737682
Third Party Sites Applications only via approved brokers or dealers

All car loans depend on your credit history and if you meet the lender's rules. You can use a car loan calculator to see your estimated monthly payments. A calculator helps you know how much you need to pay each month and if you are likely to get a car loan based on your credit history and eligibility. Only available to UK residents aged 18+.

How Does Blue Motor Finance Work?

Step-by-Step Process

  1. Apply by using a broker or going to a dealership.
  2. Give your credit details and how much you earn.
  3. You can get a choice in as little as 60 seconds.
  4. Look at your own offer.
  5. Sign online and get the money.
  6. Sometimes, you can drive away with a car on the same day.

They give you clear fee information. There are no hidden charges. Their decisions are made with the help of automated risk-tier modelling.

Does Blue Motor Finance Approve Poor Credit Applicants?

Yes. Blue Motor Finance looks at your data to help a wide range of people get approved. They accept many different credit profiles, including:

  • Thin credit files
  • Past defaults (if now resolved)
  • Missed payments or CCJs (case-by-case)

Loan terms, interest rate, and how much you need to deposit will depend on these things:

  • Your credit score
  • The vehicle purchase amount
  • If you can afford it based on your income and things you pay for

This is a good choice for people who want to build their credit. It can also help if you need to fix your credit with car finance.

Does Blue Motor Finance Approve Poor Credit Applicants

Example: Used Car Purchase With Blue Motor Finance

Example for illustrative purposes only.

Tom is 32 years old. He has a fair credit score and gets £2,400 every month. He wants to buy a used Ford Focus that costs £8,500.

  • Loan Type: Hire Purchase
  • Loan Term: 48 months
  • Deposit: £0
  • Representative APR: 13.9%
  • Monthly Payment: about £234
  • Total Payable: about £11,232

This agreement gives Tom a simple way to own what he wants. He will have fixed monthly payments. The interest rate will be clear, with no hidden costs.

Disclaimer: This example is given just to show how it works. The accurate rate, the fees, and the

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Is Blue Motor Finance FCA Authorised?

Yes. Blue Motor Finance Limited is approved and checked by the Financial Conduct Authority. The reference number for this is 737682. This means:

  • All lending is done in a fair and open way.
  • Your confidential information is safe.
  • You are covered by UK financial protection rules.

They also follow data privacy rules and security policies. The company uses different privacy notices for brokers and customers.

How Does Blue Motor Finance Compare to Other UK Lenders?

Lender FCA Regulated Accepts Poor Credit Finance Type Direct or Broker
Blue Motor Finance Yes Yes HP Broker/Dealer
Moneybarn Yes Yes HP Broker/Dealer
MotoNovo Finance Yes Yes HP, PCP Broker/Dealer
Close Brothers Yes Moderate HP, PCP Broker/Dealer
Lendable Yes Yes Personal Loan Online

Blue is good at what they do because they use real-time credit report data. They also give people offers made just for them, and they make quick decisions. This helps them stay ahead.

What Vehicles Can You Finance With Blue Motor Finance

What Vehicles Can You Finance With Blue Motor Finance?

Blue Motor Finance supports:

  • Hatchbacks, estates, and SUVs
  • Motorbikes (in some cases through brokers)
  • Vans and small commercial vehicles

Vehicles most often need to fit both model year and mileage rules. This usually means:

  • Under 10 years old
  • Under 100,000 miles

Check with your dealership or broker to find out about the conditions of products.

Can You Use a Car Loan Calculator for Blue?

Yes – while Blue does not have a public car loan calculator, you can often find one from a broker. A broker will use the calculator to help you:

  • Estimate what your payment each month will be
  • Know the total loan amount you have
  • Compare special financing rates you may get
  • Plan ahead based on what you can repay

Just make sure you read the results of the calculator closely. These are only meant to give you an idea and they are not promised offers.

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Do Prime Rate Changes Affect Blue Motor Finance Loans?

No. Blue Motor Finance loans have a fixed interest rate. This means:

  • There are no changes because of prime rate changes.
  • Payments stay the same for the whole loan.
  • It is easier to plan your budget and there are no rate surprises.

But, if you pay back early, you may have to pay some fees. Always read the specific product terms.

FAQs About Blue Motor Finance

Blue gives hire purchase (HP) loans to help you buy a used vehicle. You can get these loans through brokers or car dealerships.

Yes, Blue looks at many kinds of credit histories. They focus on if you can afford it and use risk-based pricing.

No, many people can get 0% deposit deals. It will depend on the broker and what their rules are.

Blue Motor Finance is a lender but not a public-facing one. You must apply through a registered broker or approved car dealership. Blue does not accept direct applications from customers.

Some brokers might charge admin fees. All additional fees will be told to you before you sign.

No, Blue does not take direct applications. To apply, you should use a broker such as Free Price Compare, Zuto, or CarFinance 247.

Always talk to your broker or dealership first. They will talk with Blue for you. Do not give your confidential information to anyone else.

Yes – most used SUVs can get this if they are not too old and do not have too many miles.

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Page last updated on: 05/08/2025

Page reviewed by: Andrea Troy

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