Car finance that puts people first, not paperwork.
People-First
Every application matters
FCA Regulated
Trusted & transparent
Klub Finance started from humble beginnings. Our founder knew firsthand how tough it can be to get a fair car loan when life doesn't follow a straight path. Growing up, they watched friends and family struggle to get reliable transport, often facing endless rejections because of limited credit history or living on benefits.
Determined to make a difference, Klub Finance was built to provide honest, transparent, and accessible car finance for people who are often overlooked by traditional lenders — including those receiving Universal Credit.
We're not a faceless company. We care about getting you behind the wheel safely and responsibly, helping you access the finance you need without unnecessary stress. Every application is handled with care, and we make sure you understand every step of the process.
"At Klub Finance, it's simple: we assess fairly, explain clearly, and always operate with your best interests in mind."
Our core values guide every decision we make
Every application is assessed on its own merit. We look beyond credit scores to see the person behind the application.
No hidden fees, no confusing jargon. We explain everything clearly so you can make informed decisions.
We serve those often turned away, including Universal Credit recipients who deserve a fair chance at car ownership.
Your journey matters to us. We're here to support you through every step with patience and understanding.
We're different from traditional lenders, and that's exactly the point
Quick and straightforward process with minimal paperwork. We've removed the red tape that holds people back.
Responsible borrowing that helps improve your credit score over time. We're invested in your financial future.
Speak to real people who understand your situation. No automated responses or confusing call centers.
Payment plans designed around your circumstances, not rigid corporate policies. We work with your budget.
Fully authorized and regulated by the Financial Conduct Authority, giving you peace of mind and protection.
Get a decision quickly so you can move forward with confidence. We respect your time and urgency.