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.

Bill Scotney, Commercial 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.
Bill Scotney, Commercial 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.

Bill Scotney, Commercial Director

Bill Scotney, Commercial Director

How we operate

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. Most recently, in 2023, we were highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards. We were also name ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards and ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards. 

These awards continue to reflect our hard work, passion, and dedication to delivering the best possible product and experience for our customers and partners.   

 

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.  Most recently, in 2023, we were highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards. We were also name ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards and ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards. 

These awards continue to reflect 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"
"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"
"The process was super easy. I never felt rushed. It's been amazing to have this back in my life."
"Luckily they were able to take all my information into account and looked past my credit score"
"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"
"The process was super easy. I never felt rushed. It's been amazing to have this back in my life."

What drives us

What drives us

Act Like Its Yours

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.

Customer On The Team

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.

Hungry For Better

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.

Act Like Its Yours

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.

Customer On The Team

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.

Hungry For Better

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

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.

Vanquis Banking Group logo

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 logo

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.

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. 

Customer Stories

We asked our customers about their customer journey and why they chose Moneybarn as their vehicle finance provider. 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.