Fixed rate loans to help you budget

At Gissaloan™, we offer fixed rate secured loans. Our interest rates won’t change over the period of your loan no matter what market interest rates do. If market rates climb, your interest rate won’t be affected.

This means that your repayments will be the same every month. Being able to accurately predict your future payments will help you and us judge whether or not you can afford them, and enable you to budget accordingly.

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A fairly-set fixed rate loan

Our interest rates are fixed according to a number of factors:

  • A Gissaloan™ logbook loan is secured against your car – this means we can set significantly lower interest rates than payday lenders.
  • Unlike payday lenders, our loans are repayable over a longer period.
  • We offer loans to bad credit, subprime customers – those who have previously found themselves in financial difficulty or who have been refused loans elsewhere. Our interest rates are set fairly to account for this risk.
  • Our interest rates allow us to help you. Giving you a hand up, not a hand out.

Find a fixed interest rate loan to suit you

At Gissaloan™, we offer a range of products that have been designed to suit your needs, your credit history, and your affordability. We don’t just offer a single loan at a fixed rate.

Gissaloan™ quick cash logbook loan

These loans are designed for those with bad credit who can afford and intend to meet their monthly or weekly repayments.

Gissaloan™ Gold

A Gissaloan™ Gold logbook loan is available to customers with less serious bad credit profiles. Interest rates for Gissaloan™ Gold customers are the lowest logbook loan rates in the UK.

Gissacar™ Back on the Road

Once you’ve established a credit profile with us, you may be able to qualify for our ‘Back on the Road’ scheme. These loans are designed to help get you into your next car.

Is a Gissaloan™ logbook loan right for you?

If you think that a Gissaloan™ logbook loan will help you in your current situation, you can find out more about our products here.


All loans granted subject to affordability. Proof of income will be required. All Loans are secured against your vehicle, which may be repossessed if you do not make payments. Late or missed payments will incur additional charges, please see contract terms and conditions.


A Bill of Sale gives us security over the car. This means that until you have paid your loan we are technically the legal owner of your car. However you can still drive it and once you have paid off your loan the ownership goes back to you.


Warning: Late repayment can cause you serious money problems. For help, go to


"Gissaloan” and “Gissacar” are trading names of Car Loan Originations Limited, which lends money on Customers’ existing cars (Gissaloan) and also finances the purchase of Customers’ new cars (Gissacar). All loan and related documentation, and other correspondence for both types of loans will be in the name of “Gissacar".

Gissaloan is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 688840

Registered Office: Regina House, 124 Finchley Road, London NW3 5JS