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Car finance ›
Instant decision car finance
Instant decision car finance is when you apply for car finance, and the lender gives you a decision within 60 seconds. Find out how you can get an instant quote.
Instant decision car finance
Instant decision car finance is when you apply for car finance, and the lender gives you a decision within 60 seconds. Find out how you can get an instant quote.
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
What is instant decision car finance?
We understand that buying a new car is an exciting time, and if you decide to buy a car using finance, you’ll want to know quickly whether or not you’ve been approved.
We’re a direct lender. This means that when you get a quote, we’ll give you an instant decision that will tell you one of three outcomes:
- You’re approved in which case you’ll be shown what your agreement might look like, and can use our handy vehicle finder tool to browse cars that fit in your budget
- You’re approved in principle, which means we’ll need some more documents to confirm your application. Our expert team will be in touch to guide you through the process
- You’re declined. Read our car finance blog for things that might improve your chances of being approved.
Can I get instant decision car finance online?
Our online quote form should take less than 5 minutes to fill in and will give you an immediate decision as to whether we can help. We use a soft credit check, which does not affect your credit score.
Everyone is eligible to apply with us if they fit our lending criteria below:
What is instant decision car finance?
We understand that buying a new car is an exciting time, and if you decide to buy a car using finance, you’ll want to know quickly whether or not you’ve been approved.
We’re a direct lender. This means that when you get a quote, we’ll give you an instant decision that will tell you one of three outcomes:
- You’re approved in which case you’ll be shown what your agreement might look like, and can use our handy vehicle finder tool to browse cars that fit in your budget
- You’re approved in principle, which means we’ll need some more documents to confirm your application. Our expert team will be in touch to guide you through the process
- You’re declined. Read our car finance blog for things that might improve your chances of being approved.
Can I get instant decision car finance online?
Our online quote form should take less than 5 minutes to fill in and will give you an immediate decision as to whether we can help. We use a soft credit check, which does not affect your credit score.
Everyone is eligible to apply with us if they fit our lending criteria below:
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
We can finance a car as long as it meets our criteria:
- Financing a car from £4,000 – £35,000
- The car can have a mileage up to 120,000 at the start of the agreement (depending on your loan offer)
- No more than 15 years old by the end of the agreement (depending on your loan offer)
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
We can finance a car as long as it meets our criteria:
- Financing a car from £4,000 – £35,000
- The car can have a mileage up to 120,000 at the start of the agreement (depending on your loan offer)
- No more than 15 years old by the end of the agreement (depending on your loan offer)
We’re proud to have over 30 years of experience helping people up and down the UK get the car they need. Whether that’s to take the kids to school or to commute to work, we could help you even if you’ve been refused by other lenders or are looking for a car on finance with bad credit.
When you get a quote, we’ll ask for the following information:
- Personal information: this includes your name, date of birth, and marital status
- Employment: your employment status, employer, and job title. We will never contact your employer
- Income: your net monthly income (what you make each month after tax) helps us understand your affordability
- Address history: your current address and 3 years of UK address history
- Contact details: your mobile number and email address so we can get in touch with you if you’re approved.
You’ll then get an instant decision as to whether we can help, and how much we might be able to lend you.
We’re proud to have over 30 years of experience helping people up and down the UK get the car they need. Whether to take the kids to school or to go commute to work, we could help you even if you’ve been refused by other lenders or are looking for a car on finance with bad credit.
When you get a quote, we’ll ask for the following information:
- Personal information: this includes your name, date of birth, and marital status
- Employment: your employment status, employer, and job title. We will never contact your employer
- Income: your net monthly income (what you make each month after tax) helps us understand your affordability
- Address history: your current address and 3 years of UK address history
- Contact details: your mobile number and email address so we can get in touch with you if you’re approved.
You’ll then get an instant decision as to whether we can help, and how much we might be able to lend you.
What your car finance could look like
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
What your car finance could look like
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
How does instant decision car finance work?
Financing a car with us 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.
How does instant decision car finance work?
Financing a car with us 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.
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!
How can I speed up the car finance process?
Knowing how car finance works and what you need when applying can speed up the process by avoiding unnecessary delays. Check out our guides that explain the process in more detail.
How can I speed up the car finance process?
Knowing how car finance works and what you need when applying can speed up the process by avoiding unnecessary delays. Check out our guides that explain the process in more detail.
What do I need when applying?
If you’ve not applied for car finance before, having all your documents prepared can avoid delays. Find out more by clicking the button below.
How long does it take to be approved?
If you’re approved, you’ll want to know how long it takes to get your new car. Find out more about how long it takes by clicking the button below.
How hard is it to get approved?
We can’t guarantee that you’ll get approved for car finance. How hard it is to get approved depends on lots of factors, which we explain in our blog.
Can I get car finance with no credit check?
You might have heard people say you can get car finance without a credit check, but this doesn’t exist. Find out more by clicking the button below.
What do I need when applying?
If you’ve not applied for car finance before, having all your documents prepared can avoid delays. Find out more by clicking the button below.
How long does it take to be approved?
If you’re approved, you’ll want to know how long it takes to get your new car. Find out more about how long it takes by clicking the button below.
How hard is it to get approved?
We can’t guarantee that you’ll get approved for car finance. How hard it is to get approved depends on lots of factors, which we explain in our blog.
Can I get car finance with no credit check?
You might have heard people say you can get car finance without a credit check, but this doesn’t exist. Find out more by clicking the button below.
What is CS finance?
Conditional Sale, also known as CS finance, is what we offer. This means you’ll fully own the car once you make your final payment. To find out more, click the button below.
Our application process
Before applying for any kind of vehicle finance, it’s important to understand how it works. Find out how our application process works by clicking the button below.
Car finance on benefits
If you’re in receipt of benefits, you might be wondering if this stops you from getting car finance. This isn’t the case. Find out which benefits we accept by clicking the below button.
For a better road ahead
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)
