Carloans 365

What Carloans 365 does

Carloans 365 is a UK-based online credit broker that intermediates between consumer car buyers and a panel of vehicle finance lenders. Operating as the trading style of HT Finance Ltd (Company Number 11481948), the firm is authorised and regulated by the Financial Conduct Authority under reference number 821383 and operates exclusively as a credit broker, not a lender. Headquartered in Sale, Manchester, with 11–50 employees, the company serves UK consumers across 21 cities via digital-first distribution and earned an 'Excellent' Trustpilot rating across 2,500+ reviews.

The product portfolio spans Hire Purchase (HP), Personal Contract Purchase (PCP), Conditional Sale and Lease Purchase, with specialised routes for bad-credit borrowers and no-deposit customers. The application workflow runs on the AutoConvert CRM (Blue Owl Network Ltd), integrated with Equifax and Experian, and is built around a soft-search pre-approval step that does not impact the applicant's credit score. Lender panel includes Advantage Finance, Moneybarn, Tandem, Startline, Oodle, Close Brothers Motor Finance, Zopa, Lendable and several subprime specialists, with auxiliary partnerships for insurance (MB & G Insurance) and warranties (Warrantywise). Marketing is content-led through SEO, an editorial 'Help & Advice' hub, email/SMS and Trustpilot social proof.

Revenue is generated via lender commissions (fixed fee or percentage of amount financed) plus optional dealer-paid referral fees; customers are charged nothing for the service. No external funding rounds, M&A activity, parent-company ownership or leadership changes are disclosed in the input data, and the company appears to be growing organically on commission cash flow. Geographic coverage spans England, Scotland, Wales and Northern Ireland, with no stated international expansion.

Name

Carloans 365

Legal name

HT Finance Ltd

Website

https://carloans365.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Lender Commission: Receives commission from lenders for introducing customers. Commission is either a fixed fee or percentage of the amount financed, but does not impact the APR rate offered to customers.
2. Dealership Fees: May charge dealerships a fee for introducing customers to their vehicles. This fee is paid directly by the dealer.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Carloans 365 (trading as HT Finance Ltd) is a UK-based FCA-authorised credit broker that connects individual consumers with a panel of vehicle finance lenders. The company facilitates Hire Purchase (HP), Personal Contract Purchase (PCP), Conditional Sale, and Lease Purchase agreements, with specialisation in bad credit and no-deposit car finance. Customers apply online through a soft-search pre-approval process and, once approved, can purchase vehicles from any reputable UK dealership.

Product overview

Carloans 365 is a UK-based car finance broker operating as a trading style of HT Finance Ltd. The company offers a portfolio of vehicle finance products including Hire Purchase (HP), Personal Contract Purchase (PCP), Conditional Sale, and Lease Purchase agreements. Their core service connects customers with a panel of lenders to secure car finance approvals, including specialized offerings for customers with bad credit histories and those seeking no-deposit options. The company also provides a Car Finance Calculator tool for initial affordability assessments. As a credit broker rather than a lender, Carloans 365 does not provide the finance directly but facilitates connections between customers and lenders, earning commission on successful introductions. Applications begin with soft credit searches that do not impact credit scores, with final approval involving hard credit searches.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Finance Application Service Online car finance application platform that matches customers with lenders from the company's panel. The service uses soft credit searches for initial eligibility checks without affecting credit scores, then submits applications to suitable lenders for pre-approval.
• HP Car Finance (Hire Purchase) Hire Purchase agreement allowing customers to spread the full value of a vehicle over fixed monthly payments over 24-60 months. Upon final payment, ownership transfers automatically to the customer. No mileage limits or balloon payments.
• PCP Car Finance (Personal Contract Purchase) Personal Contract Purchase allowing customers to pay lower monthly payments by covering only the vehicle's depreciation over 24-48 months. At term end, customers can return the car, make a balloon payment to own it, or part-exchange.
• Bad Credit Car Finance Specialist car finance options for customers with poor credit histories including CCJs, defaults, missed payments, and limited credit. Works with lenders who consider factors beyond credit scores such as affordability.
• No Deposit Car Finance Finance agreements allowing customers to purchase vehicles without upfront deposits. Monthly repayments cover the full cost of the vehicle. Subject to lender criteria and credit checks.
• Conditional Sale Vehicle finance option similar to HP but ownership transfers automatically upon final payment rather than requiring an option-to-purchase fee.
• Lease Purchase

Quantifiable outcome

• No impact on credit score from initial application (soft search)
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Equifax LtdcoreTechnology or IntegrationCredit reference agency used for soft and hard credit searches during application process.
• Experian LtdcoreTechnology or IntegrationCredit reference agency providing credit file data and eligibility checking.
• AutoConvert (Blue Owl Network Ltd)coreTechnology or IntegrationCRM system provider that manages customer data, applications, and communications.
• MB & G InsuranceminorOthersInsurance provider offered to customers who consent to additional product information.
• WarrantywiseminorOthersVehicle warranty provider offered as additional product.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Market position

Strengths5 records

Weaknesses5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/carloans-365

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Carloans 365