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About us

With a firm focus on responsible lending, we help people to access finance even if their credit rating is less than perfect.

About us

With a firm focus on responsible lending, we help people to access finance even if their credit rating is less than perfect.

Founded in 1992, we are one of the UK’s leading lenders of specialist car, van, and motorbike finance.

We’re experts in helping customers to access finance when they might have struggled to get approval from mainstream lenders. Our customers represent 1 in 5 of UK adults who have a poor credit history but need a reliable vehicle to suit their lifestyle and financial situation.

David Shrimpton, Managing Director

Founded in 1992, we are one of the UK’s leading lenders of specialist car, van, and motorbike finance.

We’re experts in helping customers to access finance when they might have struggled to get approval from mainstream lenders. Our customers represent 1 in 5 of UK adults who have a poor credit history but need a reliable vehicle to suit their lifestyle and financial situation.

David Shrimpton, Managing Director

How we operate

Our lending decision is based on how much an individual can reasonably afford to spend on finance each month, and this ensures that our customers are comfortable with their Conditional Sale agreement.

We have an expert credit team committed to reviewing our products to make sure they meet the changing needs of our customers, and we make sure our customers can access reliable vehicles. We work with a large network of introducers, and we are passionate about providing the best possible service to our customers and partners.

We’re passionate about providing finance that suits the needs of customers who may not have the best credit score. Our commitment to achieving good customer outcomes has won various industry awards. In the last 12 months we were awarded ‘Sub-Prime Lender of the Year’ and ‘Independent Finance Provider of the Year’ at the Motor Finance Europe Awards 2021. As well as, ‘Specialist Lender of the Year’ and ‘Vehicle Finance Provider of the Year’ at the National Credit Awards 2021.

Most recently we won ‘Responsible Lender of the Year’ at the Credit Awards 2022, reflecting our hard work, passion, and dedication to delivering the best possible product and experience for our customers and partners.

Our customers

We’re here to help customers finance reliable cars, vans, and motorbikes, but we’re also here to make sure they have a great experience with us. Our customers may be new to credit, be self-employed or have a had a problem such as a CCJ or an IVA in the past, but we know that this does not change their need for vehicle finance. We’re proud that most of our customers rate us as ‘Excellent’ on Trustpilot. You can read our latest customer reviews here.

Our customers

We’re here to help customers finance reliable cars, vans, and motorbikes, but we’re also here to make sure they have a great experience with us. Our customers may be new to credit, be self-employed or have had a problem such as a CCJ or an IVA in the past, but we know that this does not change their need for vehicle finance. We’re proud that most of our customers rate us as ‘Excellent’ on Trustpilot. You can read our latest customer reviews here.

"Luckily they were able to take all my information into account and looked past my credit score"

Read Leah's story

"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"

Read Warren's story

"By giving me finance to buy a bike, Moneybarn have helped me to enjoy my life again"

Read Raymond's story

"Luckily they were able to take all my information into account and looked past my credit score"

Read Leah's story

"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"

Read Warren's story

"By giving me finance to buy a bike, Moneybarn have helped me to enjoy my life again"

Read Raymond's story

What drives us

Be hungry for better

We seek our opportunities for constant improvement, as well as having conversations that will help us move that on, even when it’s tough.

Put the customer on the team

We make every decision with our customers in mind, as well as owning the trade-off between commercial and customer impact.

Act like it’s yours

We don’t shy away from responsibility and we each do our bit to be better every day to improve performance and maximise value.

Be hungry for better

We seek our opportunities for constant improvement, as well as having conversations that will help us move that on, even when it’s tough.

Put the customer on the team

We make every decision with our customers in mind, as well as owning the trade-off between commercial and customer impact.

Act like it’s yours

We don’t shy away from responsibility and we each do our bit to be better every day to improve performance and maximise value.

Corporate

Established in 1992, we are now part of Vanquis Banking Group, a specialist bank offering affordable financial services to everyday people.

After 22 independent years, Moneybarn was acquired in 2014 to provide responsible vehicle finance to people in the UK not well served by mainstream banks, joining the other credit card and loans businesses the Group own.

Who are Vanquis Banking Group?

Vanquis Banking Group has a rich history dating back to 1880.

The company was founded in Bradford by Joshua Kelley Waddilove as The Provident Clothing and Supply Company to help people access finance and goods who couldn’t from traditional lenders. Today, Vanquis Banking Group is a FTSE All Share company listed on the London Stock Exchange with around 1.7 million customers and plays the same role in people’s lives today, as it did when it was founded.

Vanquis Banking Group’s Purpose

Our purpose is simple. We help put people on a path to a better everyday life. We do this by providing finance that is suited to their needs and budget, and we make sure our products are responsible and sustainable so that we provide the best possible service for our customers.

Vanquis Banking Group have recently launched a Foundation. This Foundation aids financial inclusion and supports social mobility to children and young people within their communities. This is aligned with the Group’s purpose to help put people on a path to a better everyday life.

Since 1880, Vanquis Banking Group have supported people and provided a helping hand when others don’t. The Group understand the importance of supporting voluntary and not-for-profit organisations that impact their people and communities. Read more on the Vanquis Banking Group Foundation page.

As a company we believe in building a fair, equal and inclusive culture for all our colleagues and have taken progressive steps to ensure this is the case. For further details please have a read of our Gender Pay Gap Report.

Established in 1992, we are now part of Vanquis Banking Group, a specialist bank offering affordable financial services to everyday people.

Who are Vanquis Banking Group?

Vanquis Banking Group has a rich history dating back to 1880.

Vanquis Banking Group’s Purpose

Bad credit? No problem

If you’ve been suffering with a bad credit history, you’re in good hands. As bad credit car finance specialists, Moneybarn understand that you still need a reliable vehicle to get to work.

Our leadership team

We asked the Moneybarn leadership team what, in their words, makes Moneybarn a great place to work. Find out what they said here.

Customer reviews

We pride ourselves on providing a service that our customers love, in a way that is simple to understand and easy to use. Find out what our customers say about us.

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

Representative example: Total amount of credit £10,460. Repayable over 58 months, 57 monthly payments of £351.13. Representative 35.5% APR (fixed). Deposit of £910.55. Total charge for credit £9,554.41. Total amount payable £20,924.96. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.