What does pre approved car finance mean (12 figures)
The UK Consumer Credit Rate Series carries 12 published figures read from 2 sources' own pages, from 1 to 21.45 percent, read 31 October 2026.
- 41 to 4
- 24 to 8
- 38 to 11
- 11 to 15
- 15 to 18
- 318 to 21
Bands
| Bucket | Value |
|---|---|
| 1 to 4 | 4 figures |
| 4 to 8 | 2 figures |
| 8 to 11 | 3 figures |
| 11 to 15 | 0 figures |
| 15 to 18 | 0 figures |
| 18 to 21 | 3 figures |
2 of the 10 named sources read in full publish a figure; 8 publish none, read 31 October 2026.
By series
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| seriesnew-mortgage-effective-rate | 4.45% | 4.45 to 4.45% | 1 |
| seriesmortgage-stock-rate | 3.97% | 3.97 to 3.97% | 1 |
| seriesfla-consumer-car-finance-volume-yoy-2026-06 | 7% | 7 to 7% | 1 |
| seriesfla-new-car-finance-value-yoy-2026-06 | 21% | 21 to 21% | 1 |
| seriesfla-used-car-finance-value-yoy-2026-06 | 1% | 1 to 1% | 1 |
| seriesfla-consumer-car-finance-volume-yoy-2026-07 | 2% | 2 to 2% | 1 |
| seriesfla-consumer-car-finance-volume-ytd-2026-07 | 3% | 3 to 3% | 1 |
| seriesfla-new-car-finance-value-yoy-2026-07 | 10% | 10 to 10% | 1 |
| seriesfla-used-car-finance-value-yoy-2026-07 | 8% | 8 to 8% | 1 |
| seriesoverdraft-effective-rate | 20.6% | 20.6 to 20.6% | 1 |
| seriesnew-personal-loan-effective-rate | 9.86% | 9.86 to 9.86% | 1 |
| seriescredit-card-effective-rate | 21.45% | 21.45 to 21.45% | 1 |
| seriesboe-other-consumer-credit-net-borrowing-2026-07 | 1,100,000,000GBP | 1,100,000,000 to 1,100,000,000GBP | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| Bank of England: Money and Credit, July 2026 | 1,100,000,000GBP | boe-other-consumer-credit-net-borrowing-2026-07 | 2026-10-31 |
| Bank of England: Money and Credit, July 2026 | 21.45% | credit-card-effective-rate | 2026-10-31 |
| Finance & Leasing Association motor finance statistics | 21% | fla-new-car-finance-value-yoy-2026-06 | 2026-10-12 |
| Bank of England: Money and Credit, July 2026 | 20.6% | overdraft-effective-rate | 2026-10-31 |
| Finance & Leasing Association motor finance statistics | 10% | fla-new-car-finance-value-yoy-2026-07 | 2026-10-12 |
| Bank of England: Money and Credit, July 2026 | 9.86% | new-personal-loan-effective-rate | 2026-10-31 |
| Finance & Leasing Association motor finance statistics | 8% | fla-used-car-finance-value-yoy-2026-07 | 2026-10-12 |
| Finance & Leasing Association motor finance statistics | 7% | fla-consumer-car-finance-volume-yoy-2026-06 | 2026-10-12 |
| Bank of England: Money and Credit, July 2026 | 4.45% | new-mortgage-effective-rate | 2026-10-31 |
| Bank of England: Money and Credit, July 2026 | 3.97% | mortgage-stock-rate | 2026-10-31 |
| Finance & Leasing Association motor finance statistics | 3% | fla-consumer-car-finance-volume-ytd-2026-07 | 2026-10-12 |
| Finance & Leasing Association motor finance statistics | 2% | fla-consumer-car-finance-volume-yoy-2026-07 | 2026-10-12 |
| Finance & Leasing Association motor finance statistics | 1% | fla-used-car-finance-value-yoy-2026-06 | 2026-10-12 |
The sentence each figure was read from (13)
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
Net borrowing through other forms of consumer credit (such as car dealership finance and personal loans) increased to £1.1 billion in July, from £0.9 billion in June.
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
The effective rate on interest-charging credit cards decreased slightly in July, to 21.45% from 21.49%.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
The consumer new car finance market reported new business up 21% by value and 21% by volume in June compared with the same month in 2025.
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
The effective interest rate on interest-charging overdrafts decreased by 57 basis points, to 20.60% in July.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
The consumer new car finance market reported new business up 10% by value and volume in July compared with the same month in 2025.
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
The effective rate on new personal loans to individuals increased to 9.86% in July from 9.67% in June.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
The consumer used car finance market reported a fall in new business of 8% by value and 7% by volume in July, compared with the same month in 2025.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
New figures released by the Finance & Leasing Association (FLA) show that consumer car finance new business volumes grew by 7% in June 2026 compared with the same month in 2025.
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
The ‘effective’ interest rate – the actual interest paid – on newly drawn mortgages increased to 4.45% in July, from 4.35% in June.
- Bank of England: Money and Credit, July 2026, read 2026-10-31:
The rate on the outstanding stock of mortgages was 3.97% in July, up from 3.96% in June.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
In the first seven months of 2026, new business volumes grew by 3% compared with the same period in 2025.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
New figures released by the Finance & Leasing Association (FLA) show that consumer car finance new business volumes fell by 2% in July 2026 compared with the same month in 2025, while the value of new business remained unchanged.
- Finance & Leasing Association motor finance statistics, read 2026-10-12:
The consumer used car finance market reported new business up 1% by value in June while volumes held steady, compared with the same month in 2025.
Read in full, publishes no figure
8 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Bank of England: further details about quoted household interest rates, read 2026-09-12: every candidate on the page was refused
- Bank of England Interactive Database: personal loan interest rates, read 2026-09-12: every candidate on the page was refused
- Bank of England: effective interest rates, visual summary, read 2026-09-11: every candidate on the page was refused
- Bank of England: quoted household interest rates, visual summary, read 2026-09-12: every candidate on the page was refused
- DfT vehicle licensing statistics: faster indicators of new registrations, read 2026-10-12: every candidate on the page was refused
- ONS: UK new vehicle registrations and production, read 2026-10-12: read in full and no accepted figure on the page
- FCA data publications, read 2026-10-12: read in full and no accepted figure on the page
- SMMT UK new car registrations, read 2026-10-19: read in full and no accepted figure on the page
Methodology
Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
2 of the 10 named sources that could be read published a usable figure; 8 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 12 figures, never sentences; 61 candidate sentence(s) were refused by a reviewer with the reason recorded.
The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the Bank of England's quoted and effective household borrowing rates as a monthly series joined to the advertised representative APRs this site reads from lenders' own pages - the SPREAD between what the market quotes and what lenders advertise, per product and per month, which neither the Bank nor the lenders publish; beside it the FLA's monthly motor finance new business and the DfT/SMMT registration counts, each cited to its publisher, giving the share of new cars bought on finance
61 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (11)
- Bank of England: further details about quoted household interest rates(the publisher's own terms; quoted for reporting and comment)
- Bank of England: Money and Credit, July 2026(the publisher's own terms; quoted for reporting and comment)
- Bank of England Interactive Database: personal loan interest rates(the publisher's own terms; quoted for reporting and comment)
- Bank of England: effective interest rates, visual summary(the publisher's own terms; quoted for reporting and comment)
- Bank of England: quoted household interest rates, visual summary(the publisher's own terms; quoted for reporting and comment)
- DfT vehicle licensing statistics: faster indicators of new registrations(the publisher's own terms; quoted for reporting and comment)
- ONS: UK new vehicle registrations and production(the publisher's own terms; quoted for reporting and comment)
- FCA data publications(the publisher's own terms; quoted for reporting and comment)
- SMMT UK new car registrations(the publisher's own terms; quoted for reporting and comment)
- Finance & Leasing Association motor finance statistics(the publisher's own terms; quoted for reporting and comment)
- bankofengland.co.uk(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
The UK Consumer Credit Rate Series carries 12 published figures read from 2 sources' own pages, from 1 to 21.45 percent, read 31 October 2026.
2 of the 10 named sources read in full publish a figure; 8 publish none, read 31 October 2026.
UK Consumer Credit Rate Series, series new-mortgage-effective-rate: median 4.45 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series mortgage-stock-rate: median 3.97 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-consumer-car-finance-volume-yoy-2026-06: median 7 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-new-car-finance-value-yoy-2026-06: median 21 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-used-car-finance-value-yoy-2026-06: median 1 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-consumer-car-finance-volume-yoy-2026-07: median 2 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-consumer-car-finance-volume-ytd-2026-07: median 3 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-new-car-finance-value-yoy-2026-07: median 10 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series fla-used-car-finance-value-yoy-2026-07: median 8 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series overdraft-effective-rate: median 20.60 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series new-personal-loan-effective-rate: median 9.86 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series credit-card-effective-rate: median 21.45 percent across 1 source, read 31 October 2026.
UK Consumer Credit Rate Series, series boe-other-consumer-credit-net-borrowing-2026-07: median 1,100,000,000 GBP across 1 source, read 31 October 2026.
Cite as: "KnownVehicle UK Consumer Credit Rate Series", updated 2026-10-31, https://knownvehicle.com/datasets/uk-consumer-credit-rate-series/.
Download the CSV (13 rows, computed 2026-10-31)