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Consumer Credit Act 1974: Key legislation for credit agreements that sets requirements for documentation, information disclosure, and licensing requirements for lenders. Even in private arrangements, may apply if lender makes multiple loans.

Financial Services and Markets Act 2000: Regulates financial activities and could be applicable if the lender engages in regular lending activities.

Unfair Contract Terms Act 1977: Ensures contract terms are fair and reasonable, and prevents the inclusion of unfair exclusion clauses in the agreement.

Consumer Rights Act 2015: While primarily for business-to-consumer contracts, its principles of fairness should be considered in private lending agreements.

Misrepresentation Act 1967: Protects against false statements made during contract formation regarding the loan or vehicle.

Law of Property Act 1925: Applicable when the vehicle is being used as security for the loan agreement.

Limitation Act 1980: Establishes time limits for bringing legal claims and is important for enforcement terms in the agreement.

Data Protection Act 2018: Relevant when personal information is being processed and stored as part of the loan agreement.