Car finance providers in the United Kingdom:Which are most popular?

Name: Car finance providers in the United Kingdom: Which are searched most?
Creator: Brandwave
License: https://creativecommons.org/licenses/by/4.0/

In September 2026, Black Horse was the most searched car finance provider in the United Kingdom, accounting for 31.1% of all searches among the nine providers we track. When we checked with ChatGPT and Google AI Overviews, Black Horse and Moneybarn were mentioned most often, in one of the four answers.

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Top car finance providers in ChatGPT and Google AI Overviews

In Brandwave's three ChatGPT questions and one Google AI Overview, Black Horse and Moneybarn were mentioned most often, in one of the four answers. Zuto, which ranked second in searches, was not mentioned at all.

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

How many AI answers named each brand
Brand	ChatGPT	Google	Answers that named it
Black Horse	Named in 1 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	1 of 4
Moneybarn	Named in 1 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	1 of 4
Zuto	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
Carfinance 247	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
Startline Motor Finance	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
Carmoola	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
Oodle Car Finance	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
Close Brothers Motor Finance	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4
CarMoney	Named in 0 of 3 ChatGPT answers	Named in 0 of 1 Google AI Overviews	0 of 4

Black Horse1 of 4Named in 1 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Moneybarn1 of 4Named in 1 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Zuto0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Carfinance 2470 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Startline Motor Finance0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Carmoola0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Oodle Car Finance0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
Close Brothers Motor Finance0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers
CarMoney0 of 4Named in 0 of 3 ChatGPT answersNamed in 0 of 1 Google answers

See every answer about car finance providers

4 answers

Asked ChatGPT
“Who's the best car finance provider in the UK?”
1. 1Black Horse
Asked ChatGPT
“Where can I get car finance with bad credit?”
1. 1Moneybarn
Asked ChatGPT
“Is it better to get car finance from the dealer or a broker?”
Searched Google, AI Overview
“car finance”

Not named in any answer:

Brands are shown in the order each answer named them. The survey took place in United Kingdom on October 27, 2026.

Which car finance providers do people search for most?

This chart shows how often people search Google for each car finance provider by name. Each line represents a brand's share of searches for all nine car finance providers we track, month by month, from searches in United Kingdom.

Share of searches among car finance providers in the United Kingdom, by month

Month	Black Horse	Zuto	Carfinance 247	Moneybarn	Startline Motor Finance	Carmoola	Oodle Car Finance	Close Brothers Motor Finance	CarMoney
Oct 2025	26.6%	17.8%	11.9%	14.6%	5.3%	11.9%	5.3%	3.6%	2.9%
Nov 2025	24.9%	16.6%	13.6%	13.6%	6.1%	13.6%	5%	3.3%	3.3%
Dec 2025	26.7%	17.9%	12%	14.6%	6.5%	9.8%	5.3%	3.6%	3.6%
Jan 2026	27.1%	18.1%	12.1%	12.1%	5.4%	14.8%	4.4%	3%	3%
Feb 2026	24.8%	20.3%	13.6%	13.6%	5%	11.1%	5%	3.3%	3.3%
Mar 2026	27.4%	18.3%	12.3%	12.3%	5.5%	12.3%	4.5%	4.5%	3%
Apr 2026	29.7%	19.9%	10.9%	13.3%	5.9%	8.9%	4.9%	3.3%	3.3%
May 2026	29.3%	19.6%	13.1%	13.1%	5.9%	7.2%	4.8%	3.2%	3.9%
Jun 2026	28.6%	19.1%	12.8%	12.8%	7%	7%	5.7%	3.8%	3.1%
Jul 2026	29.7%	19.9%	13.3%	13.3%	5.9%	5.9%	4.9%	4%	3.2%
Aug 2026	30.1%	16.5%	13.5%	16.5%	6%	6%	4.9%	3.3%	3.3%
Sep 2026	31.1%	17%	13.9%	13.9%	6.2%	5.1%	5.1%	4.2%	3.4%

Rank	Brand	Share of searches	Estimated monthly branded searches	vs prior month	Share change
1, held 1st	Black Horse Lloyds Banking Group	31.1%	60.5K	0%	+1 points
2, moved from 3rd to 2nd	Zuto	17%	33.1K	0%	+0.6 pointsmoved from 3rd to 2nd
3, moved from 4th to 3rd	Carfinance 247	13.9%	27.1K	0%	+0.5 pointsmoved from 4th to 3rd
4, moved from 2nd to 4th	Moneybarn Vanquis	13.9%	27.1K	-18.1%	-2.5 pointsmoved from 2nd to 4th
5, moved from 6th to 5th	Startline Motor Finance	6.2%	12.1K	0%	+0.2 pointsmoved from 6th to 5th
6, moved from 5th to 6th	Carmoola	5.1%	9.9K	-18.2%	-0.9 pointsmoved from 5th to 6th
7, held 7th	Oodle Car Finance	5.1%	9.9K	0%	+0.2 points
8, moved from 9th to 8th	Close Brothers Motor Finance	4.2%	8.1K	+22.7%	+0.9 pointsmoved from 9th to 8th
9, moved from 8th to 9th	CarMoney	3.4%	6.6K	0%	+0.1 pointsmoved from 8th to 9th

1.Black Horse
31.1%
Held 1st. 60.5K estimated branded searches, 0% vs prior month. Share +1 points.
2.Zuto
17%
Moved from 3rd to 2nd. 33.1K estimated branded searches, 0% vs prior month. Share +0.6 points.
3.Carfinance 247
13.9%
Moved from 4th to 3rd. 27.1K estimated branded searches, 0% vs prior month. Share +0.5 points.
4.Moneybarn
13.9%
Moved from 2nd to 4th. 27.1K estimated branded searches, -18.1% vs prior month. Share -2.5 points.
5.Startline Motor Finance
6.2%
Moved from 6th to 5th. 12.1K estimated branded searches, 0% vs prior month. Share +0.2 points.
6.Carmoola
5.1%
Moved from 5th to 6th. 9.9K estimated branded searches, -18.2% vs prior month. Share -0.9 points.
7.Oodle Car Finance
5.1%
Held 7th. 9.9K estimated branded searches, 0% vs prior month. Share +0.2 points.
8.Close Brothers Motor Finance
4.2%
Moved from 9th to 8th. 8.1K estimated branded searches, +22.7% vs prior month. Share +0.9 points.
9.CarMoney
3.4%
Moved from 8th to 9th. 6.6K estimated branded searches, 0% vs prior month. Share +0.1 points.

Which brand is most popular in search among car finance providers in the United Kingdom?

9 brands

In September 2026, Black Horse was the most searched among car finance providers in the United Kingdom, with an estimated 60.5K branded searches, 31.1% of all searches for the nine we track. Zuto is in 2nd place, 14.1 percentage points behind at 17%.

United Kingdom car finance providers, last 12 months ending September 2026
Brand	Share of searches	Peak	Low	Rank
Black Horse	26.6% → 31.1%	31.1%Sep 2026	24.8%Feb 2026	1st
Zuto	17.8% → 17%	20.3%Feb 2026	16.5%Aug 2026	2nd
Carfinance 247	11.9% → 13.9%	13.9%Sep 2026	10.9%Apr 2026	4th → 3rd
Moneybarn	14.6% → 13.9%	16.5%Aug 2026	12.1%Jan 2026	3rd → 4th
Startline Motor Finance	5.3% → 6.2%	7%Jun 2026	5%Feb 2026	7th → 5th
Carmoola	11.9% → 5.1%	14.8%Jan 2026	5.1%Sep 2026	5th → 6th
Oodle Car Finance	5.3% → 5.1%	5.7%Jun 2026	4.4%Jan 2026	6th → 7th
Close Brothers Motor Finance	3.6% → 4.2%	4.5%Mar 2026	3%Jan 2026	8th
CarMoney	2.9% → 3.4%	3.9%May 2026	2.9%Oct 2025	9th

Each finding as a sentence

Across the 12 months ending September 2026, Black Horse’s share of searches among car finance providers in the United Kingdom increased from 26.6% to 31.1%.
Across the 12 months ending September 2026, Zuto’s share of searches among car finance providers in the United Kingdom decreased from 17.8% to 17%.
Across the 12 months ending September 2026, Carfinance 247’s share of searches among car finance providers in the United Kingdom increased from 11.9% to 13.9%.
Across the 12 months ending September 2026, Moneybarn’s share of searches among car finance providers in the United Kingdom decreased from 14.6% to 13.9%.
Across the 12 months ending September 2026, Startline Motor Finance’s share of searches among car finance providers in the United Kingdom increased from 5.3% to 6.2%.
Across the 12 months ending September 2026, Carmoola’s share of searches among car finance providers in the United Kingdom decreased from 11.9% to 5.1%.
Across the 12 months ending September 2026, Close Brothers Motor Finance’s share of searches among car finance providers in the United Kingdom increased from 3.6% to 4.2%.
Across the 12 months ending September 2026, Black Horse’s share of searches among car finance providers in the United Kingdom peaked at 31.1% in September 2026 and was lowest at 24.8% in February 2026.
Across the 12 months ending September 2026, Zuto’s share of searches among car finance providers in the United Kingdom peaked at 20.3% in February 2026 and was lowest at 16.5% in August 2026.
Across the 12 months ending September 2026, Carfinance 247’s share of searches among car finance providers in the United Kingdom peaked at 13.9% in September 2026 and was lowest at 10.9% in April 2026.
Across the 12 months ending September 2026, Moneybarn’s share of searches among car finance providers in the United Kingdom peaked at 16.5% in August 2026 and was lowest at 12.1% in January 2026.
Across the 12 months ending September 2026, Startline Motor Finance’s share of searches among car finance providers in the United Kingdom peaked at 7% in June 2026 and was lowest at 5% in February 2026.
Across the 12 months ending September 2026, Carmoola’s share of searches among car finance providers in the United Kingdom peaked at 14.8% in January 2026 and was lowest at 5.1% in September 2026.
Across the 12 months ending September 2026, Oodle Car Finance’s share of searches among car finance providers in the United Kingdom peaked at 5.7% in June 2026 and was lowest at 4.4% in January 2026.
Across the 12 months ending September 2026, Close Brothers Motor Finance’s share of searches among car finance providers in the United Kingdom peaked at 4.5% in March 2026 and was lowest at 3% in January 2026.
Across the 12 months ending September 2026, CarMoney’s share of searches among car finance providers in the United Kingdom peaked at 3.9% in May 2026 and was lowest at 2.9% in October 2025.
Across the 12 months ending September 2026, Carfinance 247 rose from 4th to 3rd among car finance providers in the United Kingdom.
Across the 12 months ending September 2026, Moneybarn fell from 3rd to 4th among car finance providers in the United Kingdom.
Across the 12 months ending September 2026, Startline Motor Finance rose from 7th to 5th among car finance providers in the United Kingdom.
Across the 12 months ending September 2026, Carmoola fell from 5th to 6th among car finance providers in the United Kingdom.
Across the 12 months ending September 2026, Oodle Car Finance fell from 6th to 7th among car finance providers in the United Kingdom.
Across the 12 months ending September 2026, CarMoney held steady: its share of searches among car finance providers in the United Kingdom moved less than 0.5 percentage points.

How did search popularity change for United Kingdom car finance providers in September 2026?

8 changes

In September 2026, Zuto overtook Moneybarn to rank 2nd among car finance providers in the United Kingdom, with 17% of the searches.
In September 2026, Close Brothers Motor Finance overtook CarMoney to rank 8th among car finance providers in the United Kingdom, with 4.2% of the searches.
In September 2026, Black Horse gained share of searches among car finance providers in the United Kingdom, from 30.1% to 31.1%.
In September 2026, Moneybarn lost share of searches among car finance providers in the United Kingdom, from 16.5% to 13.9%.
In September 2026, Carmoola lost share of searches among car finance providers in the United Kingdom, from 6% to 5.1%.
Carfinance 247’s share of searches among car finance providers in the United Kingdom has gained ground for 3 months in a row, from 12.8% to 13.9% in September 2026.
In September 2026, Startline Motor Finance rose from 6th to 5th among car finance providers in the United Kingdom.
Estimated monthly branded searches for Oodle Car Finance in the United Kingdom fell 18.2% over 12 measured months, from 12.1K to 9.9K in September 2026.

How are branded searches counted for car finance providers?

9 search terms

Each brand's share of searches among car finance providers comes from the terms listed under its name. When people mostly search for a brand because of something else it sells, only the searches that name this product count here.