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Based on 12,870 reviews
Showing our 4 & 5 star reviews
Based on 12,870 reviews
Showing our 4 & 5 star reviews
Car finance is when you borrow money to cover the cost of your new car. The finance company pays the dealership for you, and you make monthly payments for an agreed amount of time (between 36-60 months). This gives you access to a car without having to pay a lump sum upfront.
There are lots of different car finance options so it’s important to understand how they work before making any applications. You may be able to get car finance with no deposit, however this depends on several factors such as credit history and affordability.
Depending on what you want there are car finance options suited to different people’s needs, but there is no one size fits all.
We offer a Conditional Sale Agreement. This means that you have full use of the car and are its registered keeper. Unlike with other types of finance, you’ll automatically become the legal owner of the car once you’ve made your final payment.
With our CS finance, there is no additional fee or balloon payment you need to make.
Car finance is when you borrow money to cover the cost of your new car. The finance company pays the dealership for you, and you make monthly payments for an agreed amount of time (between 36-60 months). This gives you access to a car without having to pay a lump sum upfront.
There are lots of different car finance options so it’s important to understand how they work before making any applications. You may be able to get car finance with no deposit, however this depends on several factors such as credit history and affordability.
Depending on what you want there are car finance options suited to different people’s needs, but there is no one size fits all.
We offer a Conditional Sale Agreement. This means that you have full use of the car and are its registered keeper. Unlike with other types of finance, you’ll automatically become the legal owner of the car once you’ve made your final payment.
With our CS finance, there is no additional fee or balloon payment you need to make.
We can provide car finance to those that meet our lending criteria:
If that sounds suitable for you, why not try our car finance calculator? It’ll show you what your agreement might look like, including what your monthly payments might be depending on how much you want to borrow.
When you get a quote, we use an initial soft check to understand your eligibility. This doesn’t affect your credit score, unlike other lenders who may use a hard check straight away. We only use a hard check when contracts are drawn up for you to sign.
We can provide car finance to those that meet our lending criteria:
If that sounds suitable for you, why not try our car finance calculator? It’ll show you what your agreement might look like, including what your monthly payments might be depending on how much you want to borrow.
When you get a quote, we use an initial soft check to understand your eligibility. This doesn’t affect your credit score, unlike other lenders who may use a hard check straight away. We only use a hard check when contracts are drawn up for you to sign.
Getting a quote online takes less than 5 minutes, and if you’re approved, we’ll show you what your agreement may look like. We’ll just need some information about you to get started, and if you’re approved, we’ll be in touch to help guide you along the process.
For more information, check out our guide that explains what you need when applying for car finance.
We understand the importance of having a car that is reliable and trustworthy. Our expert team would be happy to discuss your options and help you search for the right vehicle.
If you already have a car in mind, great! Make sure it meets our lending criteria:
Getting a quote online takes less than 5 minutes, and if you’re approved, we’ll show you what your agreement may look like. We’ll just need some information about you to get started, and if you’re approved, we’ll be in touch to help guide you along the process.
For more information, check out our guide that explains what you need when applying for car finance.
We understand the importance of having a car that is reliable and trustworthy. Our expert team would be happy to discuss your options and help you search for the right vehicle.
If you already have a car in mind, great! Make sure it meets our lending criteria:
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
I would 100% recommend them to friends or family. They helped me get my car and in return I’ve gained independence and freedom, and a car I’m proud to say is mine! – Leah.
I would 100% recommend them to friends or family. They helped me get my car and in return I’ve gained independence and freedom, and a car I’m proud to say is mine! – Leah.
Everyone’s car finance agreement is different. How much your monthly car finance payments will be depends on many factors. These include your personal circumstances such as income, credit history, and affordability.
Make sure you understand the terms of finance before making applications. It’s important to understand how APR works, too.
Lenders will always check that you can afford to make payments before confirming you have been approved for car finance. You should also be wary of anyone claiming to offer car finance with no credit check as this doesn’t exist.
Financing a car with Moneybarn means you are getting the support you need to live your life to the fullest. If you’re wanting to build your credit score or if your credit history isn’t perfect, then we want to help. We’re here for every step of your journey. As a car finance direct lender, we could help even if mainstream lenders can’t.
Everyone’s car finance agreement is different. How much your monthly car finance payments will be depends on many factors. These include your personal circumstances such as income, credit history, and affordability.
Make sure you understand the terms of finance before making applications. It’s important to understand how APR works, too.
Lenders will always check that you can afford to make payments before confirming you have been approved for car finance. You should also be wary of anyone claiming to offer car finance with no credit check as this doesn’t exist.
Financing a car with Moneybarn means you are getting the support you need to live your life to the fullest. If you’re wanting to build your credit score or if your credit history isn’t perfect, then we want to help. We’re here for every step of your journey. As a car finance direct lender, we could help even if mainstream lenders can’t.
We aim to help customers onto a better road ahead, and our customers rate us 'Excellent' on Trustpilot.
Our commitment to positive customer outcomes has won us various industry awards over the years.
As one of the UK's leading specialist lenders, we accept people that have been let down by mainstream lenders.
We aim to help customers onto a better road ahead, and our customers rate us 'Excellent' on Trustpilot.
Our commitment to positive customer outcomes has won us various industry awards over the years.
As one of the UK's leading specialist lenders, we accept people that have been let down by mainstream lenders.
When you apply for car finance it’s important to check that the lender will finance the type of car you want. All lenders, including us, will have a lending criteria. This details what the car and dealership need to be in order for us to finance the vehicle.
We finance a range of car brands, not just those included on our car brands page, but many more. We also can help you get a car loan for electric cars and hybrid cars.
We help thousands of customers into a car each month, so we know that financing a car isn’t always easy. We offer vehicle finance across the whole of the UK, including Northern Ireland, so we could help get car finance near you.
When you apply for car finance it’s important to check that the lender will finance the type of car you want. All lenders, including us, will have a lending criteria. This details what the car and dealership need to be in order for us to finance the vehicle.
We finance a range of car brands, not just those included on our car brands page, but many more. We also can help you get a car loan for electric cars and hybrid cars.
We help thousands of customers into a car each month, so we know that financing a car isn’t always easy. We offer vehicle finance across the whole of the UK, including Northern Ireland, so we could help get car finance near you.
Get a quote using our online application form. This should take less than 5 minutes.
We run an initial soft check to check your eligibility. This will not impact your credit score.
If you’re approved, browse vehicles within your budget with our vehicle finder tool.
A member of our team will help you with any paperwork and search for your new car.
Once your agreement is signed, we’ll pay the dealer and you can collect your new car!
Get a quote using our online application form. This should take less than 5 minutes.
We run an initial soft check to check your eligibility. This will not impact your credit score.
If you’re approved, browse vehicles within your budget with our vehicle finder tool.
A member of our team will help you with any paperwork and search for your new car.
Once your agreement is signed, we’ll pay the dealer and you can collect your new car!
Everyone’s eligibility for car finance is different, because it depends on personal factors like affordability and credit score. We are specialists in helping people get car finance even if they’ve been refused by other lenders, even if you’re on benefits, are self-employed or if you have a less than perfect credit score.
We use a soft credit check at the point of application. This doesn’t leave a mark on your credit score, but helps us understand your eligibility for car finance.
If you decide you would like to enter into a car finance agreement with us, we would then conduct a hard credit search which may impact your credit score. This is only done once you decide you are ready and contracts are drawn up to sign.
Some lenders use a hard check at the point of application, so it’s important to understand the difference. If you’re still unsure then you can learn more in our guide on soft vs hard credit checks.
Yes, you can apply for car finance online. Our application form will ask you for some personal details about you and your financial situation. If you are eligible for car finance with Moneybarn you might be asked to provide proof of identity (usually a drivers licence) and proof of income. But don’t worry, we can guide you through that process.
This is the case whether you’d like to make a single application by yourself, or if you’re looking to make a joint application for car finance.
Everyone’s eligibility for car finance is different, because it depends on personal factors like affordability and credit score. We are specialists in helping people get car finance even if they’ve been refused by other lenders, even if you’re on benefits, are self-employed or if you have a less than perfect credit score.
We use a soft credit check at the point of application. This doesn’t leave a mark on your credit score, but helps us understand your eligibility for car finance.
If you decide you would like to enter into a car finance agreement with us, we would then conduct a hard credit search which may impact your credit score. This is only done once you decide you are ready and contracts are drawn up to sign.
Some lenders use a hard check at the point of application, so it’s important to understand the difference. If you’re still unsure then you can learn more in our guide on soft vs hard credit checks.
Yes, you can apply for car finance online. Our application form will ask you for some personal details about you and your financial situation. If you are eligible for car finance with Moneybarn you might be asked to provide proof of identity (usually a drivers licence) and proof of income. But don’t worry, we can guide you through that process.
This is the case whether you’d like to make a single application by yourself, or if you’re looking to make a joint application for car finance.
We specialise in helping those who have been rejected by mainstream lenders. Even if you have bad credit, we may be able to help. Find out more below.
We use our own criteria when deciding whether to approve someone for car finance or not, after all – you’re more than just a credit score.
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 £10,497. Repayable over 58 months, 57 monthly payments of £328.12. Representative 30.5% APR (fixed). Deposit of £937.83. Total charge for credit £8,205.84. Total amount payable £19,640.67. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.