Smart Money People Logo

Voting in the British bank awards 2026 is open - Vote here

Own this company?
Share this page

Black Horse reviews

Black Horse logo
Rated Average 3.24/5

Black Horse reviews

This business hasn't yet registered to manage and respond to reviews on their page. Own this business?. Find out how to register here

Unverified business
Last reviewed within 7 days

Review summary

People rate this company as Average based on 36 product reviews

Average score of 3.24/5
5 star
59%
4 star
11%
3 star
8%
2 star
3%
1 star
19%
Reviews for Black Horse have trended positively over the past 90 days

Latest positive rating

5/5

Everything is fine.

Everything is fine. No problem at all

{"display":"Marius M","full_name":"Marius M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car Finance
Marius M 13th July 2025

Latest negative rating

1/5

If you currently hold an account with Blackhorse and...

If you currently hold an account with Blackhorse and normally pay online through the customer website using your debit card.Please refrain from doing so.If you... If you currently hold an account with Blackhorse and normally pay online through the customer website using your debit card.Please refrain from doing so.If you do wish to make a payment your best calling customer services directly to make payment.The reason on why am saying this.Is I made a payment on the 13th Jan,2 days before my payment date and its still showing payment pending on my account.Am now having to make a double payment. Read more Read less

{"display":"Zimele M","full_name":"Zimele M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car Finance
Zimele M 16th January 2026

About Black Horse

Looking for Black Horse reviews by real customers like yourself? At Smart Money People, we're building the biggest collection of Black Horse reviews available to help you find out more about this specialist vehicle finance company.

Already a Black Horse customer? Write your own review, and help out others in our community.

Black Horse at a glance

Reviews for Black Horse

Showing 11 of 36 company reviews Last reviewed within 7 days

If you currently hold an account with Blackhorse and...

Car Finance 16th January 2026

If you currently hold an account with Blackhorse and normally pay online through the customer website using your debit card.Please refrain from doing so.If you... If you currently hold an account with Blackhorse and normally pay online through the customer website using your debit card.Please refrain from doing so.If you do wish to make a payment your best calling customer services directly to make payment.The reason on why am saying this.Is I made a payment on the 13th Jan,2 days before my payment date and its still showing payment pending on my account.Am now having to make a double payment. Read more Read less

Rated Terrible 1/5
Read more product reviews

We no longer feel safe driving the car

Car Finance 7th January 2026

This has been one of the most stressful and upsetting experiences we have ever had with a finance company. We financed a car through Black... This has been one of the most stressful and upsetting experiences we have ever had with a finance company. We financed a car through Black Horse and within less than six months, it broke down. It was later discovered that the vehicle had been involved in a major accident before we bought it, something that was never disclosed to us. Documentation relating to this was actually found inside the car itself. Since then, the vehicle has been in and out of the garage multiple times. The most frightening issue is water leaking inside the car. This is an electric vehicle, which makes this an extremely serious safety concern. We have an eight-year-old child who travels in this car, and we genuinely do not feel safe using it. The situation has caused enormous stress to our family. We have lost time, paid for taxis, rearranged work and childcare, and spent countless hours chasing garages and the finance company. We were given replacement vehicles that were initially not comparable to what we are paying for, which caused even more disruption. Despite all of this, Black Horse have dismissed the problems as “not significant” and offered just over £300 compensation, while refusing to end the finance agreement. That response feels incredibly dismissive given the repeated failures, safety concerns, and emotional toll this has taken on us. At no point have we felt listened to, supported, or protected. Instead, we are expected to continue paying for a car we no longer trust or feel safe driving. I am sharing this experience so other people can make an informed decision. If safety, accountability, and support matter to you, please think very carefully before choosing Black Horse Finance. Read more Read less

Rated Terrible 1/5
Read more product reviews
  • 5/5

    Everything is fine.

    Everything is fine. No problem at all

    {"display":"Marius M","full_name":"Marius M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Marius M 13th July 2025
  • 2/5

    Do not trust

    Black horse accepted me for finance twice and both times I seemed to be hit with incredibly hight interest rates which did not suit my... Black horse accepted me for finance twice and both times I seemed to be hit with incredibly hight interest rates which did not suit my affordability. At the time, I was a typical young adult with no idea about money and was targeted by a company that could exploit this side of me. Never again. Read more Read less

    {"display":"Molly B","full_name":"Molly B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Molly B 2nd March 2025
  • 5/5

    Car Finance made easy

    Useful App which leaves everything clear - you know where you stand

    {"display":"Harry Truss","full_name":"Harry Truss","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Harry Truss 15th October 2024
  • 3/5

    Brilliant to deal with.

    Brilliant to deal with. ‘ I’ll be back

    {"display":"Tommy ","full_name":"Tommy ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Tommy 24th September 2024
  • 5/5

    Black horse are user friendly

    I have been with black horse for the past two years and they’ve been very good and easy to access via their website and client... I have been with black horse for the past two years and they’ve been very good and easy to access via their website and client portal. This makes it easier to contact someone near enough at anytime you need. Read more Read less

    {"display":"Roshad ","full_name":"Roshad ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Roshad 23rd August 2024
  • 5/5

    So far so good

    So far so good. They have an online portal where you can check any outstanding balance, make overpayments, change your billing date and more.

    {"display":"NA","full_name":"NA","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    NA 4th May 2024
  • 1/5

    Very bad customer service and incomprtent staff.

    Very bad customer service and incomprtent staff. Every advisor will tell you a different story. Advisor name Maryam she is like shouting and screaming if... Very bad customer service and incomprtent staff. Every advisor will tell you a different story. Advisor name Maryam she is like shouting and screaming if you ask any qurstions and will hang up on you. Extremely bad experience. Wont suggest anyone to take finance from this company Read more Read less

    {"display":"sarah n","full_name":"sarah n","avatar":{"url":"\/assets\/uploads\/avatars\/users\/809759.png"}}'s avatar
    Car Finance
    sarah n 25th January 2024
  • 1/5

    Do not use this company

    Absolutely terrible service. We’re not willing to help us at all. Had nothing but problems with our car , had it for 10 months and... Absolutely terrible service. We’re not willing to help us at all. Had nothing but problems with our car , had it for 10 months and nothing but problems. £4000 spent on it so far. As I said do not use this finance company. Read more Read less

  • 1/5

    If I could give this place less than one star I would.

    Throughout the pandemic These black horse ‘professionals’ advised me to take a break from paying my finance as the world wasn’t in a good place... Throughout the pandemic These black horse ‘professionals’ advised me to take a break from paying my finance as the world wasn’t in a good place and there wasn’t a lot of money coming in, and because of my mental health, so I listened and took a break from it, for at least four months now me and my mother have been ringing to try and set these payments back up £(170) but we got refused and got told we needed an expended report, I didn’t have a job because of my mental health like I said up there ^ you then took me to court and told the judge I hadn’t paid anything towards the car, I’ve got the statements and the proof in front of me right now, how dare you, would you like me to share these photo of proof??? I also offered £1,000 to try and clear my arrears off, they declined, and said she was only attending the phone call today to get the car back, if you’d already made your minds up and had already decided what was going to happen why go through court and waste peoples time and money!!!! I’m now having to go back to my doctors to get a stronger MG of depression tablets because you guys just didn’t want to set my payments back up, I have two elderly grand parents at home who I care for, I needed that car to be able to take them backwards and forwards to the Hospital, doctors appointments etc, your representative as well who showed for you on the phone didn’t have a clue what she was talking about, stuttering down the phone to the judge, I sent my post of recorded delivery so I know for a fact you got it, did you just not send it to the courts or did it mysteriously go missing? This finance is a joke, it’s put out there to help you, do you really think this is helping people??? Your wrong ens, I hope this review makes you feel good! DO NOT USE BLACKHORSE FINANCE ⚠️⚠️⚠️⚠️⚠️⚠️ Read more Read less

    {"display":"Nicole ","full_name":"Nicole ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Nicole 26th April 2023

    Products from Black Horse

    Showing all products offered by Black Horse

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice