Car Finance Loans - Hitting the road without hitting a wall

Whether you need a new motor or a second-hand gem, we’ll help you spread the cost with affordable finance — even if your credit’s not perfect.

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Find the right loan for you – without harming your credit score
You Can "Bank on Dave!" That You Get The Right Help



We have partnered with ClearScore, one of the UK’s most trusted credit platforms, to help you see loan options from a wide range of lenders – including Burnley Savings and Loans and other Community Finance Providers we work with


A partnership built around fairness and transparency

To help as many people as possible find affordable finance, we’ve partnered with ClearScore. ClearScore works with a wide range of UK lenders and shows you options based on your individual circumstances – not just headline rates. This means you see loans you’re genuinely more likely to be accepted for. We’ve chosen ClearScore because they share our values around clarity, fairness and responsible lending

To help as many people as possible find affordable finance, we’ve partnered with ClearScore. ClearScore works with a wide range of UK lenders and shows you options based on your individual circumstances – not just headline rates. This means you see loans you’re genuinely more likely to be accepted for. We’ve chosen ClearScore because they share our values around clarity, fairness and responsible lending

A Wide Range of Loan Options

High Street & Specialist Lenders

ClearScore compares loans from a broad panel of trusted lenders, not just one provider.

High Street & Specialist Lenders

ClearScore compares loans from a broad panel of trusted lenders, not just one provider.

High Street & Specialist Lenders

ClearScore compares loans from a broad panel of trusted lenders, not just one provider.

Options for Different Credit Histories

Whether you’ve got excellent credit or have faced challenges in the past, ClearScore aims to match you with suitable options.

Options for Different Credit Histories

Whether you’ve got excellent credit or have faced challenges in the past, ClearScore aims to match you with suitable options.

Options for Different Credit Histories

Whether you’ve got excellent credit or have faced challenges in the past, ClearScore aims to match you with suitable options.

Community Finance Included

You may see offers from Burnley Savings and Loans or other ethical, community‑focused lenders if we can offer you a competitive and appropriate option.

Community Finance Included

You may see offers from Burnley Savings and Loans or other ethical, community‑focused lenders if we can offer you a competitive and appropriate option.

Community Finance Included

You may see offers from Burnley Savings and Loans or other ethical, community‑focused lenders if we can offer you a competitive and appropriate option.

How It Works

WHY APPLY WITH US?

No Impact On Your Credit Score

When you use the BSAL loans marketplace powered by ClearScore, you’ll see personalised loan options using a soft search. This means you can explore what’s available without it leaving a mark on your credit file.

No Impact On Your Credit Score

When you use the BSAL loans marketplace powered by ClearScore, you’ll see personalised loan options using a soft search. This means you can explore what’s available without it leaving a mark on your credit file.

No Impact On Your Credit Score

When you use the BSAL loans marketplace powered by ClearScore, you’ll see personalised loan options using a soft search. This means you can explore what’s available without it leaving a mark on your credit file.

Profits Go To Good Causes

When you take out a loan with BSAL, your choice does more than just help you—it powers good causes and supports local charities. Not only do you get the financial support you need, but you also become part of something bigger—helping your community thrive.

Profits Go To Good Causes

When you take out a loan with BSAL, your choice does more than just help you—it powers good causes and supports local charities. Not only do you get the financial support you need, but you also become part of something bigger—helping your community thrive.

Profits Go To Good Causes

When you take out a loan with BSAL, your choice does more than just help you—it powers good causes and supports local charities. Not only do you get the financial support you need, but you also become part of something bigger—helping your community thrive.

Check Your Options In Minutes

Simply tell us how much you’re looking to borrow and over how long, and you’ll see personalised loan options straight away with details of how much it should cost you and how likely you are to be approved.

Check Your Options In Minutes

Simply tell us how much you’re looking to borrow and over how long, and you’ll see personalised loan options straight away with details of how much it should cost you and how likely you are to be approved.

Check Your Options In Minutes

Simply tell us how much you’re looking to borrow and over how long, and you’ll see personalised loan options straight away with details of how much it should cost you and how likely you are to be approved.

What Can Your Finance?

Car Finance Loans - Hit the road without hitting a wall.

Whether you need a new motor or a second-hand gem, we’ll help you spread the cost with affordable finance — even if your credit’s not perfect.

Home Improvement Loans - Fix up, not fall behind

Need a new boiler, kitchen upgrade, or just fancy making your home feel more like home? We’ve got you covered with fair finance made simple.

Need a new boiler, kitchen upgrade, or just fancy making your home feel more like home? We’ve got you covered with fair finance made simple.

Debt Consolidation Loans - Take control of your repayments

Roll your debts into one manageable monthly payment with a rate that won’t take the mick. Less stress, more clarity.

Roll your debts into one manageable monthly payment with a rate that won’t take the mick. Less stress, more clarity.

Wedding Loans - Celebrate your big day without the bIg worry

From venues to dresses to deposits — we’ll help you say “I do” without saying “I’m skint” afterwards.

From venues to dresses to deposits — we’ll help you say “I do” without saying “I’m skint” afterwards.

Holiday Loans - Go make memories. We’ll help with the money bit.

Whether it’s a UK break or a bucket-list trip, our holiday loans let you spread the cost without spiralling interest.

Whether it’s a UK break or a bucket-list trip, our holiday loans let you spread the cost without spiralling interest.

Education Loans - Invest in your future not just your fees

We support learning at every stage — from night school to vocational training — with fair loans that open doors.

We support learning at every stage — from night school to vocational training — with fair loans that open doors.

Emergency Loans - Life happens. We get it, and we're here for you.

Whether it’s a broken fridge, a massive leak, an emergency bill or a sudden change, we offer fast, flexible loans to get you back on your feet.

Whether it’s a broken fridge, a massive leak, an emergency bill or a sudden change, we offer fast, flexible loans to get you back on your feet.

Advantages & Disadvantages Of Unsecured Loans

Advantages & Disadvantages Of Unsecured Loans

Advantages & Disadvantages Of Unsecured Loans

Benefits of unsecured personal loans

No assets at risk

Because the loan isn’t secured against your home or other assets, you won’t risk losing them if you run into difficulty. However, missed payments can still affect your credit record.

No assets at risk

Because the loan isn’t secured against your home or other assets, you won’t risk losing them if you run into difficulty. However, missed payments can still affect your credit record.

No assets at risk

Because the loan isn’t secured against your home or other assets, you won’t risk losing them if you run into difficulty. However, missed payments can still affect your credit record.

Flexible loan terms

Unsecured personal loans usually allow you to choose how long you want to repay the money, often between one and seven years. This flexibility can help you find repayments that fit your monthly budget. Keep in mind that longer terms usually mean paying more interest overall.

Flexible loan terms

Unsecured personal loans usually allow you to choose how long you want to repay the money, often between one and seven years. This flexibility can help you find repayments that fit your monthly budget. Keep in mind that longer terms usually mean paying more interest overall.

Flexible loan terms

Unsecured personal loans usually allow you to choose how long you want to repay the money, often between one and seven years. This flexibility can help you find repayments that fit your monthly budget. Keep in mind that longer terms usually mean paying more interest overall.

Clear, fixed repayments

Most unsecured loans come with fixed monthly repayments. This means you’ll know exactly how much you need to pay each month, helping you plan ahead.

Clear, fixed repayments

Most unsecured loans come with fixed monthly repayments. This means you’ll know exactly how much you need to pay each month, helping you plan ahead.

Clear, fixed repayments

Most unsecured loans come with fixed monthly repayments. This means you’ll know exactly how much you need to pay each month, helping you plan ahead.

Opportunity to build your credit history

Making repayments on time and in full can help demonstrate responsible borrowing, which may improve your credit profile over time and support future applications.

Opportunity to build your credit history

Making repayments on time and in full can help demonstrate responsible borrowing, which may improve your credit profile over time and support future applications.

Opportunity to build your credit history

Making repayments on time and in full can help demonstrate responsible borrowing, which may improve your credit profile over time and support future applications.

Things to consider before taking out a personal loan

A long-term commitment

When you take out a loan, you’re agreeing to repay it over a set period. Missing payments or defaulting can damage your credit score and make future borrowing more difficult.

A long-term commitment

When you take out a loan, you’re agreeing to repay it over a set period. Missing payments or defaulting can damage your credit score and make future borrowing more difficult.

A long-term commitment

When you take out a loan, you’re agreeing to repay it over a set period. Missing payments or defaulting can damage your credit score and make future borrowing more difficult.

Taking on additional debt

Personal loans can be used for many purposes, but it’s important to have a clear plan for how you’ll repay the money. Only borrow what you need, and make sure repayments are affordable alongside your other commitments.

Taking on additional debt

Personal loans can be used for many purposes, but it’s important to have a clear plan for how you’ll repay the money. Only borrow what you need, and make sure repayments are affordable alongside your other commitments.

Taking on additional debt

Personal loans can be used for many purposes, but it’s important to have a clear plan for how you’ll repay the money. Only borrow what you need, and make sure repayments are affordable alongside your other commitments.

Impact on your credit record

While paying on time can help your credit score, missed payments can harm it. If you go on to make a full application, the lender will usually carry out a hard credit check, which may temporarily affect your score.

Impact on your credit record

While paying on time can help your credit score, missed payments can harm it. If you go on to make a full application, the lender will usually carry out a hard credit check, which may temporarily affect your score.

Impact on your credit record

While paying on time can help your credit score, missed payments can harm it. If you go on to make a full application, the lender will usually carry out a hard credit check, which may temporarily affect your score.

Interest rates may be higher than secured loans

Because unsecured loans aren’t backed by an asset, interest rates can sometimes be higher than those on secured borrowing. Rates offered will depend on your individual circumstances and credit history.

Interest rates may be higher than secured loans

Because unsecured loans aren’t backed by an asset, interest rates can sometimes be higher than those on secured borrowing. Rates offered will depend on your individual circumstances and credit history.

Interest rates may be higher than secured loans

Because unsecured loans aren’t backed by an asset, interest rates can sometimes be higher than those on secured borrowing. Rates offered will depend on your individual circumstances and credit history.

Burnley Savings and Loans Limited are an introducer Appointed Representative of “ClearScore” is a trading name of ClearScore Everywhere Limited (formerly known as Aro Finance Limited), authorised and regulated by the Financial Conduct Authority. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.  ClearScore acts as a Credit Broker not a Lender. If you take out a product or are introduced to a third-party provider, Burnley Savings & Loans and ClearScore will receive payment from that provider; the payment received may be a fixed or variable amount dependent on the product and lender, but it will not impact the amount you pay back. Applicants must be aged 18 or over and a UK resident.

Burnley Savings and Loans Limited are an introducer Appointed Representative of “ClearScore” is a trading name of ClearScore Everywhere Limited (formerly known as Aro Finance Limited), authorised and regulated by the Financial Conduct Authority. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.  ClearScore acts as a Credit Broker not a Lender. If you take out a product or are introduced to a third-party provider, Burnley Savings & Loans and ClearScore will receive payment from that provider; the payment received may be a fixed or variable amount dependent on the product and lender, but it will not impact the amount you pay back. Applicants must be aged 18 or over and a UK resident.

Burnley Savings and Loans Limited are an introducer Appointed Representative of “ClearScore” is a trading name of ClearScore Everywhere Limited (formerly known as Aro Finance Limited), authorised and regulated by the Financial Conduct Authority. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.  ClearScore acts as a Credit Broker not a Lender. If you take out a product or are introduced to a third-party provider, Burnley Savings & Loans and ClearScore will receive payment from that provider; the payment received may be a fixed or variable amount dependent on the product and lender, but it will not impact the amount you pay back. Applicants must be aged 18 or over and a UK resident.

Get Fairer Finance Today &
Help Us To Give More By Applying Below

Get Fairer Finance Today &
Help Us To Give More By Applying Below

LATEST NEWS

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Help Us To Give More By Applying Below

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Our Story

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

When the big banks turned their backs on hard-working people after the financial crisis, Dave Fishwick decided to do something about it . In 2011 he founded Burnley Savings and Loans with one radical idea at its heart: finance should be fair for everyone, and every penny of profit should go to good causes . He proved that a bank could lend to local people on decent, common-sense terms and still make a positive difference in the community .

What do we mean by “fair” finance? For Dave, fair finance means always putting people before profit. It means we work with a range of partner lenders to find you the best deal we can – if one of them can offer a better rate or a more suitable loan than we can, we’ll make sure you get that option . It also means doing everything we can to help more folks get approved for loans that are affordable and responsible, rather than leaving people with nowhere to turn. And “fair” isn’t just a slogan – it’s a promise that we give back to the community. We don’t pocket the profits ourselves; every pound we earn is donated to local charities and good causes to help others . In short, Dave’s approach is about doing what’s right for you, the customer, every single time.

Since then, this fair approach to finance has helped thousands of people across the UK, showing that banking can put people first. Dave’s mission has even inspired the Netflix “Bank of Dave” films and sparked a growing movement of ethical lenders fighting for real change in the financial world . As Dave himself puts it, we have a duty to act in the very best interests of our customers at all times – proving that finance can be fair, and that when you “Bank on Dave,” you’re banking on something better for everyone.

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Years fighting for you

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Years fighting for you

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Years fighting for you

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Million in affordable loans

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Million in affordable loans

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Million in affordable loans

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Businesses helped

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Businesses helped

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Businesses helped

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Good causes supported

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Good causes supported

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Good causes supported

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Get Fairer Finance Today &

Help Us To Give More By Applying Below

Why We Do This
WHERE OUR PROFITS GO

Why We Do This
WHERE OUR PROFITS GO

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.

Margaret Ward

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Helping real people obtain fair-rate loans that give back to society

Save yourself money. Help save and improve the lives of others.

Drone shot of a running track at night

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762

Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).

We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase, We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. Your interest rate is determined by several factors such as the age of the vehicle, the amount you borrow and the terms of the agreement. These factors may affect the commission we receive from the lender for any agreement that is entered. We will provide customers with a written breakdown of any commission paid by the lender prior to a signing of the credit agreement, which you will acknowledge the presence thereof.

Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

Registered in England and Wales. Company number 7640762