Finance House plc review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Finance House p.l.c. lends directly in Malta at fixed rates of 10.57% to 13.46%, with a banking fee of 4.75% on the loan value. It suits residents in regular full-time employment financing a car, and its fixed pricing sits below the wider personal loan market.

Key facts

Best for
A fixed-rate car loan for Malta residents in regular full-time employment.
APR
10.57% to 13.46% (Source, checked September 26, 2026)
Loan amount
€5,000 to €111,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
4.75% banking fee on loan value with direct debit (Source, checked September 26, 2026)
Funding time
Initial review within 48 hours (excluding Sundays and public holidays) (Source, checked September 26, 2026)
Representative example
Car Loan: loan of EUR10,000 over 5 years at 6.99% fixed: APRC 10.57%, 60 monthly instalments of EUR215.29, total EUR12,917.20 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Over 18 years of age and in regular full-time employment; resident in Malta, non-Maltese nationals must have resided in Malta for more than two years (Source, checked September 26, 2026)
Origination fee (%)
4.75% (Source, checked September 26, 2026)
Loan types
Car, Personal (Source, checked September 26, 2026)
Legal entity
Finance House p.l.c. (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
financehouse.mt

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Fixed rates of 10.57% to 13.46% hold for the life of the loan, with fixed rate pricing.
  • Free early repayment means a loan can be closed off sooner without a charge.
  • Direct lender status means you deal with Finance House p.l.c. rather than a broker.
  • Support runs on email, phone and help centre, so phone and email are both available.

Cons

  • The banking fee of 4.75% on the loan value adds to the cost of every car loan.
  • Applications are open to adults in regular full-time employment, which rules out self-employed applicants.
  • Rates run to the top of the 10.57% to 13.46% range, above the market median for personal loans.

Ready to try Finance House plc?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Malta residents buying a car, or refinancing one, who want fixed monthly instalments
  • Borrowers in regular full-time employment who expect to clear the loan early
  • Anyone who prefers a direct lender to a broker or marketplace

Who should look elsewhere

  • Anyone outside Malta, or who has not lived there long enough to qualify
  • Self-employed applicants, who fall outside the eligibility criteria
  • Borrowers who want no upfront fee, since the banking fee applies on the loan value

Who runs it

Finance House p.l.c. is a direct lender based in Malta that has been lending since 2013. It offers car and personal loans on fixed-rate terms, and the legal entity named on its site is Finance House p.l.c.. Applicants are reviewed within a couple of days outside Sundays and public holidays. Questions go to the team through email, phone and help centre.

How Finance House plc compares

Where Finance House plc is available

Available
Malta
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Finance House car loan?+

Rates are fixed for the whole term and run from 10.57% to 13.46%. The amount you can borrow is €5,000 to €111,000 over 12 to 84. Because the rate does not move, a change in the market costs you nothing.

Is there an arrangement fee?+

Yes. A banking fee of 4.75% is charged on the loan value, on top of the interest. The stated terms are 4.75% banking fee on loan value with direct debit.

Who can apply?+

You need to be an adult, in regular full-time employment, and resident in Malta. Non-Maltese nationals must have resided in Malta for more than a waiting period before they qualify.

How long does an application take?+

The initial review is completed within a couple of days, excluding Sundays and public holidays. Progress is handled through email, phone and help centre if anything needs clarifying.

Can I repay the loan early?+

Yes. Free early repayment applies, so you can settle the balance sooner than the agreed term without a charge. That is a genuine saving on a loan of €5,000 to €111,000.

How long can the loan run?+

Terms run 12 to 84, paid as monthly instalments. A longer term lowers the monthly amount but keeps the balance outstanding for longer.

Who regulates Finance House?+

The lender is supervised in MT by the Malta Financial Services Authority. It operates as a direct lender, so the contract is with Finance House p.l.c. itself.

Is this loan secured on the car?+

The product is a car loan, so the car is the asset being financed. Repayment terms are fixed at fixed rates, and the same lender also offers personal loans.

Sources

  • financehouse.mt checked September 26, 2026

    Backs: Legal entity, Licences

    “Finance House p.l.c. is a financial institution regulated by the Malta Financial Services Authority under the Financial Institutions Act (Cap 376 of The Laws of Malta)”

  • financehouse.mt/about/who-we-are checked September 26, 2026

    Backs: Founded, Lender type, Loan types

    “Finance House plc was incorporated and licensed by the Malta Financial Services Authority in January 2013 as a lending institution”

  • financehouse.mt/financing-products/cars checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “finance a new or used car up to a value of Euro 111,000 / Minimum loan value EUR5000”

  • financehouse.mt/help/contact-us checked September 26, 2026

    Backs: Headquarters, Support channels

    “Finance House plc., Valley Road, Msida, MSD 9020”

  • financehouse.mt/help/faqs checked September 26, 2026

    Backs: Free early repayment

    “Yes, you may repay your loan early without incurring any additional fees.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Finance House plc

A fixed-rate car loan for Malta residents in regular full-time employment.

9.0/10See alternatives

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