To be eligible for Volkswagen car finance you’ll need to meet the pre-application criteria which include being between the age of 21 to 65, earning more than £1,000 per month (after tax) and being able to prove your identity and address. You must also have a bank account that accepts direct debits. When choosing your Volkswagen vehicle, you’ll need to ensure you’re buying the car from a reputable dealer and a mileage under 120,000 and that the car is less than 12 years old.

If you meet this, we’ll then conduct an initial soft credit search which won’t affect your credit score. It’s simply to determine if you are eligible for car finance, which is a key part to our application process.

If you qualify for car finance, we’ll then offer a conditional sale agreement – which means you’ll have full use of the car, but Moneybarn will remain the legal owner. Once the repayment period is over, you’ll become the legal owner of the car.