Car finance explained

There are many options for car and van finance available, so it is important for you to understand which lender is right for you.

Moneybarn works directly with customers to provide them with car and van finance. By talking directly to our customers, it means that we can work with the car dealer or van dealer directly to help to speed up the finance process and get customers into their new vehicle as quickly as possible.

To find out more about Moneybarn, visit the About Us pages.

Conditional Sale

Moneybarn uses a conditional sale agreement for car and van finance. A conditional sale agreement means that you will have full use of the vehicle for the term of the agreement and it will be registered in your name; however you will not own the vehicle until all repayments are made.

Once Moneybarn has approved a finance application, the next step in the process is to find the car or van that’s right for you. This allows us to create a quote for you which shows exactly how much the agreement will cost you on a monthly basis and in total.


It’s important to fully understand the terms and conditions and all of the costs before you sign the finance agreement. One way for you to lower your monthly repayments is by putting a deposit down on the car, which lowers the total amount of finance that you borrow. A car or van deposit can help to make your finance more affordable and ensure that you can get a car that really suits your needs. Zero deposit is when you haven’t got a cash deposit, or you may prefer not to put a deposit down.

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