TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
TrustScore 4.5 | 12,375 reviews
Looking for car finance? When you get a quote, we use a soft credit check to give you an instant decision. Find out more about our car finance eligibility check.
Looking for car finance? When you get a quote, we use a soft credit check to give you an instant decision. Find out more about our car finance eligibility check.
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
As one of the UK’s leading lenders of specialist car finance, we could help you get the car you need. Whether it’s to drop your children off at school, get around day to day, or to commute to work. We’re a direct lender that use a soft search at the point of application. We only use a hard check when you decide you’d like to enter into an agreement with us, and contracts are drawn up for you to sign.
We offer a Conditional Sale agreement. This lets you spread the cost of a car between 3 and 5 years, instead of paying for it all upfront. You’ll make fixed monthly payments for the agreed duration, and once the finance is paid off, you’ll legally own the car.
As one of the UK’s leading lenders of specialist car finance, we could help you get the car you need. Whether it’s to drop your children off at school, get around day to day, or to commute to work. We’re a direct lender that use a soft search at the point of application. We only use a hard check when you decide you’d like to enter into an agreement with us, and contracts are drawn up for you to sign.
We offer a Conditional Sale agreement. This lets you spread the cost of a car between 3 and 5 years, instead of paying for it all upfront. You’ll make fixed monthly payments for the agreed duration, and once the finance is paid off, you’ll legally own the car.
Our initial soft check doesn't affect your credit score, but gives you an instant decision of whether we can help.
Our online form is quick and easy, and takes about 5 minutes to get a car finance quote.
If you're approved, we'll show you how much you could borrow and what your agreement might look like.
Our initial soft check doesn't affect your credit score, but gives you an instant decision of whether we can help.
Our online form is quick and easy, and takes about 5 minutes to get a car finance quote.
If you're approved, we'll show you how much you could borrow and what your agreement might look like.
To find out your eligibility for car finance, we’ll ask for some quick information. This includes:
You’ll then get an instant decision as to whether we can help, and how much we might be able to lend you. From there, you can use our handy vehicle finder to browse cars that fit your budget.
A common misconception is that credit score is the only factor that affects whether you can get car finance. While credit score is the most common reason people are refused car finance, it’s not the only factor involved.
Whether you can get car finance depends on lots of factors. The main ones are:
For self-employed car finance applications, we might ask for proof of income or other documents to confirm your affordability.
If you receive benefits, it’s important to understand what counts and what doesn’t count as income. For more information, see our page that explains how you can get car finance on benefits.
To find out your eligibility for car finance, we’ll ask for some quick information. This includes:
You’ll then get an instant decision as to whether we can help, and how much we might be able to lend you. From there, you can use our handy vehicle finder to browse cars that fit your budget.
A common misconception is that credit score is the only factor that affects whether you can get car finance. While credit score is the most common reason people are refused car finance, it’s not the only factor involved.
Whether you can get car finance depends on lots of factors. The main ones are:
For self-employed car finance applications, we might ask for proof of income or other documents to confirm your affordability.
If you receive benefits, it’s important to understand what counts and what doesn’t count as income. For more information, see our page that explains how you can get car finance on benefits.
To get car finance, you’ll need:
We can finance a car as long as it meets our lending criteria:
To get car finance, you’ll need:
We can finance a car as long as 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.
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
If you have a good credit score, can afford the monthly payments, and meet the lender’s criteria, then you’re more likely to be accepted for car finance.
However, just because you have bad credit, doesn’t mean you can’t get car finance. You might have missed payments in the past, or have a CCJ or IVA. If that’s the case, we might be able to help. We have over 30 years of experience helping thousands of people up and down the UK get car finance with bad credit.
There are some things you can do to help improve your chances of being approved. These include:
For more information, see our guide that explains how to increase your chances of getting car finance.
If you have a good credit score, can afford the monthly payments, and meet the lender’s criteria, then you’re more likely to be accepted for car finance.
However, just because you have bad credit, doesn’t mean you can’t get car finance. You might have missed payments in the past, or have a CCJ or IVA. If that’s the case, we might be able to help. We have over 30 years of experience helping thousands of people up and down the UK get car finance with bad credit.
There are some things you can do to help improve your chances of being approved. These include:
For more information, see our guide that explains how to increase your chances of getting car finance.
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 get a quote for car finance, we use a soft credit search. This doesn’t affect your credit score, but helps us understand your eligibility to see if we can help you. We only use a hard search when contracts are drawn up for you to sign.
Some car finance companies use a hard search at the point of application. This will affect your credit score, so make sure you ask whether they use a soft or hard search. Too many hard searches in a short space of time will affect your credit score.
It’s important to know that a responsible lender will use a credit check. There is no such thing as car finance with no credit check. Lenders can only provide finance if it is affordable and suitable for your circumstances. The key thing to know is whether they use a soft or hard credit check.
Yes. When you get a quote, we run a soft search to understand your eligibility for car finance. You’ll then get one of three instant decisions:
If you’re approved in principle, it’s because we need a few more details from you. In that case, an expert from our team will get in touch to help guide you through that process.
Once you’ve found the right car and contracts are drawn up, we will make a hard search.
Yes, car finance can be approved with just a soft search. This doesn’t impact your credit score but will let you know if you’re eligible for car finance.
If you’re approved and would like to enter into an agreement with us, we use a hard search only when contracts are drawn up for you to sign.
A lender can only do a hard credit check with your permission, so make sure you check what kind of search is done before you submit any credit application.
If you are approved, we’ll show you how much you could borrow, your personal APR, and what your monthly payments might look like. From there, you can use our vehicle finder tool to search for a car within your budget.
An expert from our team will be in touch to help find the right car for you. Once you’re happy with the quote, contracts will be drawn up for you to sign. After that, we’ll pay the dealership, and you’ll be able to drive away in your new car!
Find out more about our application process including a handy diagram which breaks down each step.
No, guaranteed car finance is a myth and does not exist. Whether a lender uses a soft check, or a hard check, they cannot say that finance is guaranteed. It’s a widely promoted claim in the industry, but if someone advertises this, you should be cautious.
Think of it this way – everyone is different, everyone’s circumstances are different, and everyone wants a different type of car. No responsible lender can guarantee you car finance because of this.
A soft credit check allows lenders to see if you have any negative credit history, such as missed payments, defaults, CCJs, or IVAs. They use this information to understand your eligibility for car finance.
Everyone’s eligibility for car finance is different, but there are some things you can do to help your chances. You could check to see if you have good credit, as this is one of the factors lenders use to decide whether to approve your application.
We specialise in helping people who have less-than-perfect credit and have been turned down by mainstream lenders. Get a quote in less than 5 minutes and see if we could help you.
If you’d like to learn more, we have written a guide on how you might increase your chances of getting car finance.
When you get a quote for car finance, we use a soft credit search. This doesn’t affect your credit score, but helps us understand your eligibility to see if we can help you. We only use a hard search when contracts are drawn up for you to sign.
Some car finance companies use a hard search at the point of application. This will affect your credit score, so make sure you ask whether they use a soft or hard search. Too many hard searches in a short space of time will affect your credit score.
It’s important to know that a responsible lender will use a credit check. There is no such thing as car finance with no credit check. Lenders can only provide finance if it is affordable and suitable for your circumstances. The key thing to know is whether they use a soft or hard credit check.
Yes. When you get a quote, we run a soft search to understand your eligibility for car finance. You’ll then get one of three instant decisions:
If you’re approved in principle, it’s because we need a few more details from you. In that case, an expert from our team will get in touch to help guide you through that process.
Once you’ve found the right car and contracts are drawn up, we will make a hard search.
Yes, car finance can be approved with just a soft search. This doesn’t impact your credit score but will let you know if you’re eligible for car finance.
If you’re approved and would like to enter into an agreement with us, we use a hard search only when contracts are drawn up for you to sign.
A lender can only do a hard credit check with your permission, so make sure you check what kind of search is done before you submit any credit application.
If you are approved, we’ll show you how much you could borrow, your personal APR, and what your monthly payments might look like. From there, you can use our vehicle finder tool to search for a car within your budget.
An expert from our team will be in touch to help find the right car for you. Once you’re happy with the quote, contracts will be drawn up for you to sign. After that, we’ll pay the dealership, and you’ll be able to drive away in your new car!
Find out more about our application process including a handy diagram which breaks down each step.
No, guaranteed car finance is a myth and does not exist. Whether a lender uses a soft check, or a hard check, they cannot say that finance is guaranteed. It’s a widely promoted claim in the industry, but if someone advertises this, you should be cautious.
Think of it this way – everyone is different, everyone’s circumstances are different, and everyone wants a different type of car. No responsible lender can guarantee you car finance because of this.
A soft credit check allows lenders to see if you have any negative credit history, such as missed payments, defaults, CCJs, or IVAs. They use this information to understand your eligibility for car finance.
Everyone’s eligibility for car finance is different, but there are some things you can do to help your chances. You could check to see if you have good credit, as this is one of the factors lenders use to decide whether to approve your application.
We specialise in helping people who have less-than-perfect credit and have been turned down by mainstream lenders. Get a quote in less than 5 minutes and see if we could help you.
If you’d like to learn more, we have written a guide on how you might increase your chances of getting car finance.
To learn more about the differences between soft and hard credit checks, we’ve written a guide that answers common questions.
Conditional Sale, also known as CS, is the type of finance we offer. Click the button below to find out how CS car finance works.
We have over three decades of experience in helping people with vehicle finance. Find out how a joint application works.
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)
