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Startline Motor Finance: Car finance reviews

View other Startline Motor Finance products
2.62
Based on 17 reviews, last reviewed 22nd Jul 2026
No new 5 star reviews
in the past 90 days
33% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
12%
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6%
3 star
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0%
See only 2 star reviews
6%
See only 1 star reviews
76%

Latest highest rating:

5

Easy Good customer service and friendly Reviewed on: 31st March 2023
Nicky's avatar
Nicky

Latest lowest rating:

1

Not if they were the only finance provider on earth! I would not choose Startline for car finance again even if they were the only car finance provider on earth! I bought a vehicle in April 2025 and 1 m... Read more Reviewed on: 22nd July 2026
jordon cooper's avatar
jordon cooper
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About this product

Startline is a motor finance company.

Startline offers specialist finance solutions to the UK motor finance market, working with prominent franchised and independent dealers as well as leading specialist intermediaries.

Startline motor finance reviews help you find out what it’s really like to be a customer. If you’ve used Startline before, you can also leave a review and share your experience.

Review Startline Motor Finance: Car finance now

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Startline Motor Finance Car finance reviews (17)

Not if they were the only finance provider on earth!

1
I would not choose Startline for car finance again even if they were the only car finance provider on earth! I bought a vehicle in April 2025 and 1 month after purchase, the car broke down as the water pulley fell apart, causing the belt to then snap. I was then told to take the car to my local garage and report this to A1 warranties, as I was provided a free 3 month warranty with them. A1 then took 2 months to get back to us, only to refuse to cover this under warranty, therefore I had to pay for the repair myself after 2 months of having no car. Then 1 week later the car broke down again, same issue. At this point I had no faith in the vehicle and requested to reject the vehicle, now over a year later, this is still not resolved even after I went to the Financial Ombudsman who sided with me, but Startline couldn't accept that and asked for it to go to final decision which took another 6 months, only for the final decision maker to make the same decision. The Ombudsman gave them 4 weeks to resolve the complaint, wind down the agreement and refund me, it is now 4 weeks and 5 days and Startline have still not done anything at all and fob me off everytime I call them. So be warned, Startline Motor Finance are so corrupt that they don't even abide the Ombudsman’s rulings! Stay away from this business! Reviewed on: 22nd July 2026
jordon cooper's avatar
jordon cooper

I would give 0 stars if I could.

1
I would give 0 stars if I could. My experience with Startline Motor Finance has been extremely stressful and disappointing. I financed a vehicle through them and the car has now failed its first MOT since I purchased it due to serious faults, including severe corrosion. The vehicle has been off the road since April, leaving me without use of the car while still dealing with finance payments, inspection costs, MOT costs, towing costs, and the stress of trying to resolve the matter. In my view, the vehicle was faulty and not fit for purpose. The repair costs are expected to run into several thousands of pounds, yet Startline have refused to offer meaningful help or take responsibility. What makes this worse is that Startline suggested using independent inspectors, but the inspection outcome relied heavily on what I believe was a seriously mistaken mileage position. It was treated as though the vehicle had done around 30,000 miles in one year, which was then used to justify the serious corrosion and faults. I believe this has unfairly affected the outcome, because the car failed its first MOT after I bought it and the level of corrosion suggests there were serious underlying issues. Despite raising a complaint and providing evidence, including the MOT failure and reports, I feel Startline have been dismissive and have failed to properly consider the fact that this was the first MOT since purchase and that the car has suffered major faults so soon. I have been left with a car I cannot use, significant financial loss, and no proper support from the finance company. Based on my experience, I would not recommend Startline Motor Finance. Reviewed on: 30th June 2026
Jade F's avatar
Jade F

Worst decision I've ever made.

1
Worst decision I've ever made. Ruined my life. Reviewed on: 7th April 2026
Jamie i's avatar
Jamie i

Useless, lazy, can’t be bothered to help

1
This is the second review I’m writing due to the rejection of a car now 4 months down the line. Startline are the most useless finance company I’ve ever had to deal with. They aren’t interested in helping in the slightest every time you call you get fobbed off and told waiting on this waiting on that they just can not be bothered. I’ve been trying to reject a car now for around 4 months. The car was found to have a major engine fault within the first week of purchase and since then I’ve got absolutely no where with them. I’ve been without a car and struggling with 2 kids to even get them to and from school because of this company. They collected the car 2 weeks ago now and still each time I call to ask when I’ll be refunded my deposit I’m told they still haven’t inspected the car so I will have to wait. They’ve moved the car to 3 different locations and yet haven’t been able to inspect the car? Just more excuses not to pay me my money back. We have found the car listed on an online auction site so how it’s not been inspected I don’t know. Seems like they are waiting to sell the car before refunding me my deposit. Says a lot about the company clearly not one of the more mainstream finance companies as this isn’t how they deal with things. 4 months in I keep being told my case handler will be in touch and never once do they call off their own back. I’m pretty sure if I wasn’t constantly calling and they were left to their own devices this would go unresolved. Definitely wouldn’t use again and 100% would advise anyone else not to. Worst customer service I’ve ever had. Reviewed on: 2nd February 2026
Mm's avatar
Mm

Biggest bunch of cowboys ever.

1
Biggest bunch of cowboys ever. Bully's, intimidating, threats is all there good at. You buy a car in good faith, theres problems with the car, they dont care. You with held payments because the complaint is with the financial ombudsman service, which there aware of yet still send threatening letters. Seems to be there tactic as others have left reviews very similar. AVOID, AVOID, AVOID Reviewed on: 1st February 2026
Joanne H's avatar
Joanne H

Awful. Read the bad reviews!

1
Awful, the worst company I have ever had the misfortune of dealing with. Reviewed on: 20th May 2025
Hannah G's avatar
Hannah G

AVOID AT ALL COSTS

1
I bought a car through Zuto with Startline providing the finance. This was in August 2024, in Oct I contacted Zuto to report mechanical faults which I had documented independent evidence of, Zuto stopped answering correspondence so I then spoke to Startline in December. I've not driven my car since November as it has a loose timing chain and critical contamination levels in the oil likely to cause damage, I originally wanted to reject the car but was convinced to get it fixed only to find the trader driving it around on the tracker even though it has documented oil contamination which can damage and wear the internal workings of the engine, Startline are refusing rejection, trading standards are aware of the garage and the financial ombudsman is now involved as I want to reject the vehicle but Startline are more concerned with the interest off the loan and protecting corrupt and fraudulent vehicle traders than actually looking after the customer. 5 months of not being able to use a vehicle you are paying for and having to borrow friends/family's cars to be able to get to work. Save yourself the mental drain and get a car from a main dealer and a loan through a bank Reviewed on: 8th April 2025
Dan M's avatar
Dan M

Wouldnt wish my worst enemy to even meet this comapny.

1
Wouldnt wish my worst enemy to even meet this comapny. Reviewed on: 28th February 2025
Jamie i's avatar
Jamie i

Avoid at ALL costsThis company are just shocking

1
Avoid at ALL costs This company are just shocking when it comes to customer service. Used them to finance a vehicle I found from a dealer and that was the ONLY part that was not problematic. They lie to you and try to bully you. I have just settled my finance agreement with them and can now say that they are just disgusting people to deal with. Their staff think they can get way with lying to you about things such as the covid help with hardship payments that were clearly set out for them to follow. They think they can demand money before due dates. They think they can get away with contacting you repeatedly on the same matter even while being referred to the FCA. I lodged and WON two separate cases for complaint with the FCA about these bullys and would advise all others to avoid them! Reviewed on: 9th December 2024
mister c's avatar
mister c

Very disappointed.

1
Very disappointed. My wife bought a car from Startline September last year. We fell into temporary financial hardship back in March due to my boss being unable to pay me. Everything was explained to Startline and we have all correspondence saved. Startline were not interested in working with us despite our regular and honest communication. We resolved our financial situation and made every attempt possible to clear the arrears but they were not interested. Startline then reported the car as "stolen" and my wife (who has mental health issues which they also know about) had to suffer the trauma of being boxed in by the police! Be warned, if you find yourself in financial hardship they have no interest in helping. A legal case is currently being built against them Reviewed on: 8th November 2024
Kieran L's avatar
Kieran L

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