Car Loans

Get an unsecured car loan from Admiral.

Get your finance sorted before you buy your car.

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Representative 3.1% APR on loans from £7,500 to £15,000

The rate offered will depend on the amount you wish to borrow and your individual circumstances. 

Representative example: If you borrow £10,000 over 60 months at a Representative APR of 3.1% and an annual interest rate of 3.06% (fixed) you would pay £179.94 monthly and the total amount you would repay would be £10,796.40.

What is an Unsecured Car Loan?

An unsecured car loan is a personal loan used to buy a vehicle. The monthly repayments and loan term are fixed and as the name suggests, it is unsecured so the car is not used as collateral for the loan. An unsecured loan is a great alternative to standard car finance.

With an Admiral Unsecured Car Loan, you can borrow between £1,000 and £25,000. The term can be spread between 1 year and 5 years. Depending on your credit history, you can choose the right amount, term and monthly payments to suit you.

Great features and benefits

  • Once you've bought your car, you'll own it outright.
  • You don't have to pay a deposit.
  • Unlike PCP finance deals, there are no excess mileage or damage charges.

If you're not sure which type of car finance is best for you, read more on our Car Finance Page about the different types of car finance.

Everything you need to apply for an unsecured car loan

When you apply for a loan with Admiral, you'll need to fill in:

  • Your personal details
  • Your financial details like annual income and monthly outgoings
  • Your bank account details

As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans is a trading name of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (AFSL) is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited (AFSL) is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register,

Admiral Financial Services Limited (AFSL) is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.