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Based on 14,057 reviews
Showing our 4 & 5 star reviews
Based on 14,057 reviews
Showing our 4 & 5 star reviews
Car finance is when you borrow money to cover the cost of your new car. The lender pays the dealership for you, and you make monthly payments for an agreed amount of time. Our finance agreements last between 36 and 60 months.
With our Conditional Sale (CS) agreement, you’ll legally own the car once you make your final payment. Unlike other types of finance like HP and PCP, with CS there is no extra fee or payment required to legally own the car at the end of the agreement.
Car finance is when you borrow money to cover the cost of your new car. The lender pays the dealership for you, and you make monthly payments for an agreed amount of time. Our finance agreements last between 36 and 60 months.
With our Conditional Sale (CS) agreement, you’ll legally own the car once you make your final payment. Unlike other types of finance like HP and PCP, with CS there is no extra fee or payment required to legally own the car at the end of the agreement.
To get car finance, you’ll need:
We can finance cars that meet our lending criteria:
To get car finance, you’ll need:
We can finance cars that meet our lending criteria:
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
My experience with Moneybarn has been wonderful. It’s professional, smooth, and easy. There weren’t any hoops to jump through in getting my car; the journey was very straightforward. I can’t express enough how easy this process was; it was beautiful — Jazz.
My experience with Moneybarn has been wonderful. It’s professional, smooth, and easy. There weren’t any hoops to jump through in getting my car; the journey was very straightforward. I can’t express enough how easy this process was; it was beautiful – Jazz.
Car finance allows you to buy a car without having to pay for it all upfront. You usually make a deposit, followed by monthly payments for an agreed time period. It might be possible to get no deposit car finance, however this is subject to affordability checks.
There are several different car finance options available, so it’s important to understand how they work before making any applications.
We offer a Conditional Sale Agreement. This means that you have full access to the car, being its registered keeper, and with no mileage restrictions. You’ll be responsible for maintaining and servicing the car throughout your agreement.
Try our car finance calculator to see what your agreement might look like.
When you’re ready, get a personalised quote in less than 5 minutes. We’ll give you an instant decision and, if you’re approved, one of our friendly experts will help you find your dream car.
Car finance allows you to buy a car without having to pay for it all upfront. You usually make a deposit, followed by monthly payments for an agreed time period. It might be possible to get no deposit car finance, however this is subject to affordability checks.
There are several different car finance options available, so it’s important to understand how they work before making any applications.
We offer a Conditional Sale Agreement. This means that you have full access to the car, being its registered keeper, and with no mileage restrictions. You’ll be responsible for maintaining and servicing the car throughout your agreement.
Try our car finance calculator to see what your agreement might look like.
When you’re ready, get a personalised quote in less than 5 minutes. We’ll give you an instant decision and, if you’re approved, one of our friendly experts will help you find your dream car.
Your interest rate will be fixed so your payments are the same each month.
Finance is subject to status and affordability checks.
There are no mileage restrictions like other types of finance such as PCP.
You won’t own the car until the final payment is made.
You’ll own the car at the end of the agreement.
CS might not be suitable if you want to change cars very frequently.
There are no late payment charges or hidden fees during your agreement.
The car may be repossessed if you can’t make payments.
Your interest rate will be fixed so your payments are the same each month.
There are no mileage restrictions like other finance types such as PCP.
You’ll own the car at the end of the agreement.
There are no late payment charges or hidden fees during your agreement.
Finance is subject to status and affordability checks.
You won’t own the car until the final payment is made.
CS might not be suitable if you want to change cars very frequently.
The car may be repossessed if you can’t make payments.
Your car finance monthly payments depend on several factors, including your personal circumstances, credit history, and affordability.
Lenders will always check your affordability before approving you for car finance. You should also be wary of anyone claiming to offer car finance with no credit check as this doesn’t exist.
Everyone’s car finance agreement is different. To understand more about the costs of car finance, you can read about how APR works to understand how your APR affects how much you’ll repay.
You can use our car finance calculator to see what your agreement might look like. Simply enter how much you’re looking to borrow and for how long, and what your credit rating might be, and it’ll give you an idea of what car finance could cost.
When you’re ready, get a quote. Our online form takes less than 5 minutes, and we only use a soft search at the point of application, which won’t affect your credit score.
If you already have a particular car in mind, make sure it meets our lending criteria.
We finance a range of car brands, models, and types of cars. We also can help you to buy an electric car on finance or a hybrid car on finance.
We help thousands of customers onto a better road ahead each month, so we know that financing a car isn’t always easy. As a car finance direct lender, we offer finance across most of the UK, including Northern Ireland, so we could help finance a car near you.
Your car finance monthly payments depend on several factors, including your personal circumstances, credit history, and affordability.
Lenders will always check your affordability before approving you for car finance. You should also be wary of anyone claiming to offer car finance with no credit check as this doesn’t exist.
Everyone’s car finance agreement is different. To understand more about the costs of car finance, you can read about how APR works to understand how your APR affects how much you’ll repay.
You can use our car finance calculator to see what your agreement might look like. Simply enter how much you’re looking to borrow and for how long, and what your credit rating might be, and it’ll give you an idea of what car finance could cost.
When you’re ready, get a quote. Our online form takes less than 5 minutes, and we only use a soft search at the point of application, which won’t affect your credit score.
If you already have a particular car in mind, make sure it meets our lending criteria.
We finance a range of car brands, models, and types of cars. We also can help you to buy an electric car on finance or a hybrid car on finance.
We help thousands of customers onto a better road ahead each month, so we know that financing a car isn’t always easy. As a car finance direct lender, we offer finance across most of the UK, including Northern Ireland, so we could help finance a car near you.
We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.
We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.
As a direct lender of specialist car finance, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.
We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.
We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.
As a direct lender of specialist car finance, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.
Make sure you understand how financing a car works before making an application. Click the button below to read our guide.
We compare the different types of car finance, breaking down the pros and cons of each, so you can make an informed decision.
Whether or not car finance is suitable depends on your personal circumstances. We explore the pros and cons to help you decide.
Make sure you understand how financing a car works before making an application. Click the button below to read our guide.
We compare the different types of car finance, breaking down the pros and cons of each, so you can make an informed decision.
Whether or not car finance is suitable depends on your personal circumstances. We explore the pros and cons to help you decide.
Eligibility for car finance depends on personal factors, including credit history and affordability. Every lender’s criteria is different, so no one can guarantee car finance in any way.
We are specialists in helping people get car finance even if they’ve been refused by other lenders, are on benefits, are self-employed looking for car finance, or have a less-than-perfect credit score.
Get a quote in less than 5 minutes to see if we can help you.
It is possible to get car finance online. Even if you don’t have a car in mind, getting pre-approved should be quick and easy, and means you can browse for cars knowing how much you can borrow.
Our online quote form takes less than 5 minutes to fill in and gives you an instant decision. If you’re approved, one of our friendly experts will be in touch to help you find your dream car.
If you’d like to learn more before getting a quote, check out the overview of our application process.
Applying for a car loan online should take less than 5 minutes. When you get a quote, we’ll ask for some information to confirm your identity and income.
If you’re approved, one of our friendly experts will be in touch. They will help you provide any documents needed for car finance, such as your driver’s licence and proof of income.
Find out more about how long car finance approval takes.
It’s important to understand how car finance interest is calculated, because this affects how much your monthly payments will be and how much your car finance agreement costs.
APR stands for Annual Percentage Rate. It is a percentage that shows you how much it costs to borrow money for one year. APRs vary by product, lender, and person, so it’s important to understand what APR means before signing a finance agreement.
A soft search, also known as a soft credit search or a soft credit check, is when a lender has an initial look at your credit report. This helps them understand if you are eligible for car finance, based on how you’ve managed credit in the past.
It is possible to get approved for car finance with a soft search, but not all car finance companies use a soft search at the point of application. Some use a hard search, which will affect your credit score.
Read more about the differences between a soft and hard credit search in our guide.
We use a soft search when you get a quote. This doesn’t affect your credit score, and gives an immediate decision as to whether we could help you. If you’re approved, one of our experts will help guide you along the car financing journey.
We only use a hard search when you’ve found the right car and contracts are drawn up for you to sign.
A mileage allowance is the maximum number of miles you can drive the car without incurring additional fees. Excess mileage charges are applied if you go over your pre-agreed mileage allowance.
This is common with Personal Contract Hire (car leasing) and Personal Contract Purchase (PCP) car finance.
Our CS agreements do not have a mileage allowance, nor are there any late payment charges or hidden fees during your agreement.
It is possible to make early payments on car finance. This is called an early settlement and involves paying off some or all of your agreement early.
If you’re looking to take out car finance and think your circumstances might change soon, that’s okay. Our expert team is on hand to discuss your options so you can choose an agreement that is suitable.
When you’re ready, get a personalised quote and see how much you could borrow in less than 5 minutes.
With our CS agreement, we use a fixed interest rate. This means that your monthly payments will stay the same throughout the lifetime of your agreement.
However, we can’t speak for other lenders and different types of finance, which may use a variable interest rate or have additional fees.
Yes, you could finance a new or used car with us, as long as it meets our lending criteria.
If you have a car already in mind and it fits our criteria, then get a quote and see if we can help you finance it.
If you don’t have a car in mind, don’t worry! Our friendly experts are on hand to help you search for your dream car. If you’re approved after getting a quote, you can use our Vehicle Finder to browse cars at approved dealerships.
Once you’ve got a car on finance, it’s not as easy as simply selling the car and cancelling the agreement. Depending on your lender and the type of finance, there are processes that must be followed to settle the total finance amount before you can end the agreement.
You can read more about this in our guide that answers this common question: can you sell a car on finance?
If you’re looking to sell your current car on finance to get a new one, you may be able to part exchange your current car.
A typical deposit is usually 10% of the loan amount. However, this depends on the car you’re looking to buy, and is subject to affordability checks.
It may be possible to finance a car with no deposit, but putting down a deposit can help to reduce the amount you need to borrow. This could make car finance cheaper compared to someone who doesn’t put down a deposit.
Remember that there are lots of other costs involved with owning a car, not just the car finance monthly payments. There is also fuel, MOT, road tax, maintenance, and servicing.
Yes, we can accept part exchanges.
A part exchange acts as a deposit towards your new car in the same way that a cash deposit does. However, if your current car is on finance, you must ensure the existing agreement is settled before you can part exchange it and start a finance agreement with us.
Eligibility for car finance depends on personal factors, including credit history and affordability. Every lender’s criteria is different, so no one can guarantee car finance in any way.
We are specialists in helping people get car finance even if they’ve been refused by other lenders, are on benefits, are self-employed looking for car finance, or have a less-than-perfect credit score.
Get a quote in less than 5 minutes to see if we can help you.
It is possible to get car finance online. Even if you don’t have a car in mind, getting pre-approved should be quick and easy, and means you can browse for cars knowing how much you can borrow.
Our online quote form takes less than 5 minutes to fill in and gives you an instant decision. If you’re approved, one of our friendly experts will be in touch to help you find your dream car.
If you’d like to learn more before getting a quote, check out the overview of our application process.
Applying for a car loan online should take less than 5 minutes. When you get a quote, we’ll ask for some information to confirm your identity and income.
If you’re approved, one of our friendly experts will be in touch. They will help you provide any documents needed for car finance, such as your driver’s licence and proof of income.
Find out more about how long car finance approval takes.
It’s important to understand how car finance interest is calculated, because this affects how much your monthly payments will be and how much your car finance agreement costs.
APR stands for Annual Percentage Rate. It is a percentage that shows you how much it costs to borrow money for one year. APRs vary by product, lender, and person, so it’s important to understand what APR means before signing a finance agreement.
A soft search, also known as a soft credit search or a soft credit check, is when a lender has an initial look at your credit report. This helps them understand if you are eligible for car finance, based on how you’ve managed credit in the past.
It is possible to get approved for car finance with a soft search, but not all car finance companies use a soft search at the point of application. Some use a hard search, which will affect your credit score.
Read more about the differences between a soft and hard credit search in our guide.
We use a soft search when you get a quote. This doesn’t affect your credit score, and gives an immediate decision as to whether we could help you. If you’re approved, one of our experts will help guide you along the car financing journey.
We only use a hard search when you’ve found the right car and contracts are drawn up for you to sign.
A mileage allowance is the maximum number of miles you can drive the car without incurring additional fees. Excess mileage charges are applied if you go over your pre-agreed mileage allowance.
This is common with Personal Contract Hire (car leasing) and Personal Contract Purchase (PCP) car finance.
Our CS agreements do not have a mileage allowance, nor are there any late payment charges or hidden fees during your agreement.
It is possible to make early payments on car finance. This is called an early settlement and involves paying off some or all of your agreement early.
If you’re looking to take out car finance and think your circumstances might change soon, that’s okay. Our expert team is on hand to discuss your options so you can choose an agreement that is suitable.
When you’re ready, get a personalised quote and see how much you could borrow in less than 5 minutes.
With our CS agreement, we use a fixed interest rate. This means that your monthly payments will stay the same throughout the lifetime of your agreement.
However, we can’t speak for other lenders and different types of finance, which may use a variable interest rate or have additional fees.
Yes, you could finance a new or used car with us, as long as it meets our lending criteria.
If you have a car already in mind and it fits our criteria, then get a quote and see if we can help you finance it.
If you don’t have a car in mind, don’t worry! Our friendly experts are on hand to help you search for your dream car. If you’re approved after getting a quote, you can use our Vehicle Finder to browse cars at approved dealerships.
Once you’ve got a car on finance, it’s not as easy as simply selling the car and cancelling the agreement. Depending on your lender and the type of finance, there are processes that must be followed to settle the total finance amount before you can end the agreement.
You can read more about this in our guide that answers this common question: can you sell a car on finance?
If you’re looking to sell your current car on finance to get a new one, you may be able to part exchange your current car.
A typical deposit is usually 10% of the loan amount. However, this depends on the car you’re looking to buy, and is subject to affordability checks.
It may be possible to finance a car with no deposit, but putting down a deposit can help to reduce the amount you need to borrow. This could make car finance cheaper compared to someone who doesn’t put down a deposit.
Remember that there are lots of other costs involved with owning a car, not just the car finance monthly payments. There is also fuel, MOT, road tax, maintenance, and servicing.
Yes, we can accept part exchanges.
A part exchange acts as a deposit towards your new car in the same way that a cash deposit does. However, if your current car is on finance, you must ensure the existing agreement is settled before you can part exchange it and start a finance agreement with us.
Buying a car is an exciting time, but the number of options can make it stressful. We’ve broken down the different ways you could buy a car, so you can make an informed decision.
When you make an application, the lender runs a series of checks to understand your eligibility for car finance. Find out more about what checks are made in our guide.
Wondering if we will lend to you? Find out more about our process and how we choose who to approve for car, van and motorbike finance.
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 £8848. Repayable over 56 months, 55 monthly payments of £282.41. Representative 30.7% APR (fixed). Deposit of £786.30. Total charge for credit £6684.55. Total amount payable £16,318.85. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.