Car finance that puts people first, not paperwork.
People-First
Every application matters
FCA Regulated
Trusted & transparent
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.
Built on the belief that everyone deserves access to reliable, affordable car finance
Klub Finance was founded with a simple mission: to provide fair, accessible car finance to people who are often overlooked by traditional lenders.
We saw too many hardworking individuals being turned away simply because they were receiving Universal Credit or other benefits. We knew there had to be a better way.
Today, we're proud to have helped hundreds of people get behind the wheel, providing them with the independence and opportunities that come with reliable transportation.
"We believe that your current circumstances shouldn't define your future opportunities. Everyone deserves a chance."
— Klub Finance Team
Approval Rate
Decision Time
Transparent
Regulated
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.