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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company's service, highlighting the friendly and helpful nature of the staff. Consumers appreciate the ease and speed of the overall process, from application to completion. Many reviewers with less-than-perfect credit scores express gratitude for the opportunity to secure financing when other companies had turned them down. People found the customer service to be excellent, with staff members being described as understanding, patient, and professional. The company's willingness to work with individual circumstances and provide support throughout the process is a recurring theme. However, opinions on payment terms appear to be mixed, with varying levels of satisfaction among reviewers.

Based on these reviews

Rated 5 out of 5 stars

What an amazing and professional experience I have had with Edwin especially. He has gone above and beyond to make sure I found the right car that was suitable for me. Nothing was ever too much has... See more

Company replied

Rated 5 out of 5 stars
Verified

I had a wonderful experience with the finance team. They were not only professional but also kind and patient, taking the time to explain everything clearly. I always felt supported and confident in m... See more

Company replied

Rated 5 out of 5 stars
Verified

I appreciate how you were able to see me through the whole process even when I did not have the time to act quickly on your emails, You were quite patient and your constant presence encouraged me. .... See more

Company replied

Rated 5 out of 5 stars
Verified

Really good customer service, had issues with my car before i could lick it up, the customer service team was happy to help and helped guide me on what to do next! Thank you!!

Company replied

Rated 5 out of 5 stars
Verified

A 10/10 rated business based on the quality of service I received and speed of handling my application. The service agents are empathetic and easy to reach in the event of any concern. I would reco... See more

Company replied

Rated 5 out of 5 stars
Verified

Hassle free service assurance. I am pleased to deal with your company, and I will obviously recommend you to anyone looking for car finance. Well appreciated and thanks very much.

Company replied

Rated 5 out of 5 stars
Verified

Very nice company all staff was so helpful and friendly especially Habib really was supportive and patient. Thank you all very much and will recommend this company anytime. Keep up the good work.

Company replied

Rated 5 out of 5 stars

I haven't had much to do with getting finance on a car or motorcycle to date but I do have to say this. Billing finance are GREAT. Helpful, understanding and polite: I had problems with the car and... See more

Company replied

Rated 5 out of 5 stars
Verified

Absolutely perfect to deal with and definitely recommend. Gave me a chance that others wouldn’t much appreciated and will definitely deal with again in the future. Try people definitely try . Won’... See more

Company replied

Rated 5 out of 5 stars
Verified

The way i got my car finance done was seamless. I do not have to leave the comfort of my home to get my car financed, documentation and signing were done online. Thank you.

Company replied

Rated 5 out of 5 stars
Verified

I like the fact that I can see my payments online and know how much is left on my credit. Plus I have different contacts to reach them depending on what the concern is.

Company replied

Rated 5 out of 5 stars
Verified

I couldn’t be happier with my experience using Billing Finance. From start to finish, the process was smooth, transparent, and completely stress-free. As someone who has dealt with various fi... See more

Company replied

Rated 5 out of 5 stars
Verified

Very helpful broker staff and you were quick n easy to understand would have liked a paper copy to keep as I’m not very good on line but happy with service

Company replied

Rated 5 out of 5 stars
Verified

Billing Finance made it so easy for me financing my car! Finance made so easy and in a professional way. I will definitely recommend Billing Finance to my friends and families. Many Thanks.

Company replied

Rated 5 out of 5 stars
Verified

Great finance company. The application was simple, approval was fast, and the payout came through in no time. Highly recommend!

Company replied

Rated 5 out of 5 stars
Verified

Excellent service and keeping you updated very reassuring in this day and age. They are diligent courteous and always a phone call away. Well done.

Company replied

Rated 5 out of 5 stars
Verified

Simple and straight forward. They’ve given me a chance when others wouldn’t. To many people moan about the interest rates. It is what it is. These guys are generally taking risks when lendin... See more

Company replied

Rated 5 out of 5 stars
Verified

I really like the customer services is so excellent and perfect. Kindly recommend anyone looking for car finance billing finace is good to offer you and brilliant deals

Company replied

Rated 5 out of 5 stars
Verified

It does not choose who you are ,they do their best equal, equal rights to everyone who need their help it is reliable, trustworthy dependable the rates are good aswell looking forward to be working... See more

Company replied

Rated 5 out of 5 stars
Verified

The whole process was smooth, no stress at any point and the staff that attended to me was very friendly and to say fact, I was very impressed. Good to know that I am driving my car and am loving eve... See more

Company replied

Rated 5 out of 5 stars
Verified

I am thoroughly impressed with the exceptional service I received from Billing finance company. When I needed to arrange my car finance, they truly came through for me. Their team was professional,... See more

Company replied

Rated 5 out of 5 stars
Verified

No hassle completion, I didn't think I would get finance but these people arranged my car finance without any issues. 5 STARS.

Company replied

Rated 5 out of 5 stars
Verified

Really happy with the service and support throughout this process. Would highly recommend to anyone who is wanting to finance a car. Thank you ever so much.

Company replied

Rated 5 out of 5 stars

So grateful for the opportunity to get a car at an affordable price even though my credit is rubbish. You guys are awesome.

Company replied

Rated 5 out of 5 stars
Verified

Billing finance was really helpful they sorted everything out very quickly and got things moving smoothly very helpful team.

Company replied

Rated 5 out of 5 stars
Verified

I was overwhelmed the day I received my amazing car. Billing Finance did not waste time in financing my car, it seems so effortlessly.

Company replied

Rated 5 out of 5 stars
Verified

They were professional in all regards. They went the extra mile to make sure all went swimmingly until everything was in order.

Company replied

Rated 5 out of 5 stars
Verified

My account Manager Pedro, bless him was of great help! He calmed me down when I was anxious, he took time to explain things to me so that I can fully understand. My journey with him was brilliant.... See more

Company replied

Rated 5 out of 5 stars
Verified

The assistance and support I received was great from the time I was looking for a car and was assisted to find a better car and on collection day. Great service guys

Company replied

Rated 5 out of 5 stars
Verified

Very satisfying but it's high rate of percentage need to be look into in future

Company replied

Rated 5 out of 5 stars

I would definitely rate this company as I had a vehicle that had problems, zuto wouldn’t answer the phone but Sadie that works at billing finance was absolutely amazing, she definitely pulled her fing... See more

Company replied

Rated 5 out of 5 stars
Invited

Billing finance have saved the day once again, I am able to get the purchase I needed , and made it as easy as possible to suit my credibility, this will be my 4th loan using them. I have adverse cr... See more

Company replied

Rated 5 out of 5 stars
Invited

Billing Finance has put my faith back in finance companies as They listened to what I had to say about my credit report and score. By doing so they gave me full funding for a car. Which I needed for... See more

Company replied

Rated 3 out of 5 stars
Invited

Was sent the wrong paperwork and only reason i knew had been resent was because just happened to look at emails. Was told that money would be paid out on the Friday when it wasn't and just the time ta... See more

Company replied

Rated 3 out of 5 stars
Invited

I feel a bit of preassure day before of test driving the car. The lady wanted me to take full responsibility of the condition of the vehicle without test driving it or even seeing it. So thats why... See more

Company replied

Rated 4 out of 5 stars
Invited

I have now got three cars with this company as they are so easy to work with. The staff are friendly and polite and if they don't know they will find out and get back to you. I haven't given them the... See more

Company replied

Rated 5 out of 5 stars
Invited

My first time with billing,I must say what an amazing company.i have less than a good credit score but nonetheless billings accepted me as a client and I am now the proud owner of a 2 year old transit... See more

Company replied

Rated 3 out of 5 stars
Invited

A lot of tooing and throwing ! Took quite along time to set it up I found myself phoning and emailing a lot just to push it along with fears it would have taken longer than it already did - saying tha... See more

Company replied

Rated 3 out of 5 stars
Invited

Billing Finance is ok and customer service is great but unfortunately if you have a low credit score they do penalise you with very high interest rates this is because they know you can’t get the cre... See more

Company replied

Rated 3 out of 5 stars
Invited

Good finance okay Prices but I sent my paper work off and everything was okay got asked to do it again as somthing happens on there behalf and I should of got the car 3 days before I did but I couldn’... See more

Company replied

Rated 5 out of 5 stars
Invited

Very quick and excellent support despite the on-going pandemic and Christmas / New Year's time. Holly and Sam were amazing in processing my finance, very professional and curtious. Highly recommend th... See more

Company replied

Rated 5 out of 5 stars

I had a 4 year agreement with Billing. All was well for the first 30 odd months. However due to ill health I ran in to financial difficulties. Billing were amazing, never once did they threaten me, ju... See more

Rated 5 out of 5 stars
Invited

Thanks guys for sorting me out after so many problems elsewhere! Its hard enough being self employed and even with an excellent credit score no one wants to know. Thanks for helping me get my dream va... See more

Company replied

Rated 3 out of 5 stars
Invited

Happy I got finance at a decent apr but the lack of a “cooling off period” could leave people thinking twice and going elsewhere

Company replied

Rated 3 out of 5 stars
Invited

Only just came you with guys at moment no issues but has they say time will tell if all goes well will change it higher

Company replied

Rated 5 out of 5 stars

Really happy with professional communication and service. I’ve decided to voluntarily terminate my contract as I have “upgraded” my car. I received fair deal and clear process info to make it happen,... See more

Company replied

Rated 5 out of 5 stars
Verified

Quick Acceptance of finance I have bad credit history I was pleasantly surprised Billing Finance accepted my application for car finance. It was quick and easy stress free. Thank you so much.

Company replied

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Company details

  1. Car Finance and Loan Company

Information provided by various external sources

Getting you where you need to be

Coronavirus Update

TALK TO US

We know many of you are worried about how your finances might be affected by coronavirus (COVID-19). If you've been affected by coronavirus (due to illness or self-isolation) and are worried about what this might mean for you financially, there are things we can do to help. The sooner you are able to get in touch, the more we may be able to do. If you would like to speak with us regarding your agreement, please call us on 01604 402 204 where an agent will be happy to assist you. Please be aware we are currently operating with a reduced number of staff. Due to this, you may experience longer wait times than usual when calling in to speak with us.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars

What an amazing and professional…

What an amazing and professional experience I have had with Edwin especially. He has gone above and beyond to make sure I found the right car that was suitable for me. Nothing was ever too much hassle.
Edwin was very efficient and did amazing to make sure I felt comfortable in purchasing my new vehicle.
100% would recommend, the customer service I received was second to none.

October 24, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

We are so pleased to hear about how your experience with Billing Finance and Edwin was. We’ll pass along the kind words.

Rated 5 out of 5 stars
Verified

Was perfect doing business with and…

Was perfect doing business with and have great advisors to help you most

October 24, 2025
Billing Finance logo

Reply from Billing Finance

Hi Charlie, thank you so much for taking the time to provide feedback. We are so delighted that you rate our service as 5-star as we strive to provide just that for all our customers

Rated 5 out of 5 stars
Verified

Really good customer service

Really good customer service, had issues with my car before i could lick it up, the customer service team was happy to help and helped guide me on what to do next! Thank you!!

August 26, 2025
Billing Finance logo

Reply from Billing Finance

Thanks for leaving us such a wonderful review. We are thrilled that you loved your experience with Billing Finance; our staff will be happy to read your review. We put customer experience and satisfaction as our priority, and your review reaffirms the hard work we put in every day.

Rated 5 out of 5 stars
Verified

Very fast financed approved

Very fast financed approved

September 22, 2025
Billing Finance logo

Reply from Billing Finance

Thank you so much for taking the time to leave us a 5 star rating - it's much appreciated. We hope you enjoy your new vehicle.

Rated 5 out of 5 stars
Verified

Very quick process and great…

Very quick process and great communication....thank you 👏

September 17, 2025
Billing Finance logo

Reply from Billing Finance

Hi Lee, thank you so much for taking the time to provide feedback. We are so delighted that you rate our service as 5-star as we strive to provide just that for all our customers.

Rated 1 out of 5 stars

I am writing to detail a concerning…

I am writing to detail a concerning experience with Billing finance auto finance department following the total loss of my vehicle.

The process began when my insured vehicle was declared a total loss. I promptly obtained the settlement figure from Billing finance as requested by my insurance company and forwarded it to them. The insurance payout, however, was less than the outstanding settlement amount owed.

Upon contacting the finance team to discuss this deficit, I inquired about the procedure for paying the remaining balance. I was initially informed that I would need to establish a payment arrangement to settle the account.

However, when I called today to formally set up this arrangement, I received alarming and unsatisfactory information. I was told that entering into any formal payment plan for this remaining balance would be reported to the credit bureaus as a "missed payment" or similar negative mark.

I repeatedly sought a clear explanation for why a mutually agreed-upon plan to settle a legitimate debt would result in a negative credit entry, especially since all contractual payments had been made on time up to the point of the accident. No satisfactory or logical answer was provided; the representative only reiterated that it was company policy.

This approach to customer service and credit reporting is highly unreasonable and fails to account for extenuating circumstances like a total loss. It creates an unnecessary and damaging financial burden for a customer acting in good faith.

Combined with what I found to be a non-competitive APR offered at the outset, I deeply regret my decision to use their services. I cannot recommend Billing finance for auto financing and would advise potential customers to carefully consider these practices and explore other options.
I feel heart broken, and depressed with the way this issues was handled. No compassionate from the team.

September 10, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

We apologise that our service did not satisfy your expectations. We will investigate the issue you’ve raised and get back to you as soon as possible.

Rated 5 out of 5 stars
Verified

Great finance company

Great finance company. The application was simple, approval was fast, and the payout came through in no time. Highly recommend!

August 26, 2025
Billing Finance logo

Reply from Billing Finance

Tyler, we're happy to see that you had a 5-star experience using Billing Finance. Thanks for sharing

Rated 5 out of 5 stars
Verified

Excellent Service and Support

I had a wonderful experience with the finance team. They were not only professional but also kind and patient, taking the time to explain everything clearly. I always felt supported and confident in my decisions. They made buying my car a truly positive and stress-free experience, and I’m very grateful for their help!

August 21, 2025
Billing Finance logo

Reply from Billing Finance

Thank you for your review. Our staff strive to ensure customers are happy and get the best outcome, so this is great to hear. Please let us know should there be anything else we can do to assist.

Rated 5 out of 5 stars

I would definitely rate this company as…

I would definitely rate this company as I had a vehicle that had problems, zuto wouldn’t answer the phone but Sadie that works at billing finance was absolutely amazing, she definitely pulled her finger out for me and resolved everything, she’s definitely an asset to the company

August 22, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

Hi Wayne, thanks for leaving us such a wonderful review. We are thrilled that you loved your experience with Billing Finance; our staff will be happy to read your review. We put customer experience and satisfaction as our priority, and your review reaffirms the hard work we put in every day.

Rated 1 out of 5 stars
Redirected

I bought electric van and they paid for…

I bought electric van and they paid for the van i haven't see it and second i pay all my payment and I finish the payment from first they told me if you pay early you goona pay less interest but they didn't do it i am so disappointed

July 24, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

Thank you for raising these important issues with us. We value all feedback at Billing Finance. We will investigate and get back to you as soon as possible.

Rated 5 out of 5 stars
Verified

My Experience

I had a good experience talking with well trained professionals.

August 15, 2025
Billing Finance logo

Reply from Billing Finance

Thank you so much for taking the time to leave us a 5 star rating - it's much appreciated. We hope you enjoy your new vehicle.

Rated 1 out of 5 stars

Basically a month has passed yet there…

Basically a month has passed yet there is nothing done about my reported issue. The reply to my previous rating saying that you put people at heart was and is still not true. I can't imagine that l am still paying for a car that has not been in use for 8 weeks because it was deemed a risk because of oil leaks. These oils leaks were not addressed or fixed when l bought the car,l was made to believe all issues are fine with the car. Now ,either billing finance or the dealer who dispatched the car can't locate what exactly was fixed to resolve the oil issues. Billing Finance wrote to say they are closing my case yet them ,even Zuto have not given evidence that the oil leaks were fixed. No garage has evidence that the issue was serviced.

August 7, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

Thank you for your feedback Ken. We are always striving to improve our service, so listening to what our customers have to say it very important.

Rated 5 out of 5 stars
Verified

The way i got my car finance done was…

The way i got my car finance done was seamless. I do not have to leave the comfort of my home to get my car financed, documentation and signing were done online. Thank you.

July 31, 2025
Billing Finance logo

Reply from Billing Finance

Hi, thanks for leaving us such a wonderful review. We are thrilled that you loved your experience with Billing Finance; our staff will be happy to read your review. We put customer experience and satisfaction as our priority, and your review reaffirms the hard work we put in every day.

Rated 1 out of 5 stars

Cannot calculate or explain Settlement Quotes

I called Billing Finance today for a settlement quote. The first person I spoke to sounded really fed up and like she didn’t want to be there. The settlement quote she gave me didn’t make sense and she wasn’t prepared to explain it. After I came off the phone, I ran the numbers every which way I could and every single time I get an answer which is about £500 less than the settlement answer. I called and spoke to a different advisor, who ran through the numbers with me over the phone and when I insisted the numbers still don’t calculate, she told me she doesn’t have a calculator to confirm?! And she would send me over the calculations they use to work it out. She then just sent me the Consumer Credit Act, which still does not explain why there’s £500 difference!!! So unhelpful!! I’m considering taking this to the ombudsman!!

August 1, 2025
Unprompted review
Billing Finance logo

Reply from Billing Finance

We apologise that our service did not satisfy your expectations; We value all feedback at Billing Finance. We will investigate and get back to you as soon as possible.

Rated 5 out of 5 stars
Verified

Prompt and efficient service delivery

Prompt and efficient service delivery

July 25, 2025
Billing Finance logo

Reply from Billing Finance

We are really pleased to hear of your positive experience with Billing Finance. As a company that puts people and customer service first, this is music to our ears! Enjoy your vehicle.

Rated 5 out of 5 stars
Verified

Very quick decision

Very quick decision, and better percent on the loan

July 25, 2025
Billing Finance logo

Reply from Billing Finance

Thank you so much for taking the time to leave us a 5 star rating - it's much appreciated. We hope you enjoy your new vehicle.

Rated 5 out of 5 stars
Verified

My account Manager Pedro


My account Manager Pedro, bless him was of great help! He calmed me down when I was anxious, he took time to explain things to me so that I can fully understand. My journey with him was brilliant. Many thanks to him and the rest of the team!

July 17, 2025
Billing Finance logo

Reply from Billing Finance

Theresa, we're happy to see that you had a 5-star experience using Billing Finance. Thanks for sharing.

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