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We could help you finance a reliable car in Birmingham so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Birmingham, get the car they need to get around.
Car finance is where you borrow money to cover the cost of your new car. You then repay the finance amount each month for the length of the agreement. Our agreements usually last between 36 to 60 months. Once you’ve made your final repayment, you’ll fully own the car.
To get car finance you’ll need:
2 consecutive months of payslips
If you have a particular car in mind, whether it is new or used it must meet our lending criteria:
Try out our car finance calculator. It will give you an idea of what your finance deal could look like, depending on how much you want to borrow and the repayment term.
We could help you finance a reliable car in Birmingham so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Birmingham, get the car they need to get around.
Car finance is where you borrow money to cover the cost of your new car. You then repay the finance amount each month for the length of the agreement. Our agreements usually last between 36 to 60 months. Once you’ve made your final repayment, you’ll fully own the car.
To get car finance you’ll need:
2 consecutive months of payslips
If you have a particular car in mind, whether it is new or used it must meet our lending criteria:
Try out our car finance calculator. It will give you an idea of what your finance deal could look like, depending on how much you want to borrow and the repayment term.
If you’re in Birmingham and have bad credit, you might be worried that it stops you from getting a car on finance. We understand that your credit score doesn’t change the fact you need a car to get around. Even if you’ve been refused car finance by other lenders, we could help.
If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.
If you’re in Birmingham and have bad credit, you might be worried that it stops you from getting a car on finance. We understand that your credit score doesn’t change the fact you need a car to get around. Even if you’ve been refused car finance by other lenders, we could help.
If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.
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No, unfortunately guaranteed car finance is a myth even if you have bad credit. Think about it this way – everyone is different. We all have different circumstances, and our credit file is the same.
No responsible dealer or lender in Birmingham will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.
There are specialist lenders such as Moneybarn who could help if you have bad credit. You should be wary of anyone claiming to offer guaranteed car finance.
Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.
You may be able to get car finance with no deposit, subject to affordability. However, some of our agreements may require a deposit. Our team can guide you through this process.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
Birmingham is known for Gravelly Hill Interchange, or “Spaghetti Junction”. This can be a nightmare to drive around and many find it stressful. If you have to go through here, we’d advise checking your route in advance so you know which turns you need to take.
When driving through the city you will experience congestion as Birmingham is densely populated. Our study found Birmingham to be the 7th slowest city in the whole of England! Other studies such as TomTom’s Traffic Index ranked Birmingham 101st in Europe for its level of congestion, with 55 hours being lost each year stuck in congestion. It was also seen to have the 3rd most roadworks in the UK in another study we did.
Birmingham’s Clean Air Zone went live in June 2021. Before setting off on a trip to or through Birmingham, make sure that your car won’t be charged for driving through the clean air zone. The Clean Air Zone is anywhere within the city’s ring road (the A4540 Middleway Ring Road). You can use the Government’s clean air zone checker to see if the charges apply to your car or not.
If you’re looking to get a new car on finance, have you considered going hybrid or electric? Electric cars allow for some low emission driving and usually won’t incur charges if you drive through the Clean Air Zone.
As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible. We offer a Conditional Sale agreement, which means you’ll legally own the car once you make your final repayment.
Our hard work has earned us many major industry awards over the years. We were named ‘Sub-Prime Lender of the Year’ and ‘Independent Finance Provider of the Year’ at the Motor Finance Europe Awards 2021, and ‘Responsible Lender of the Year’ at the Credit Awards 2022.
No, unfortunately guaranteed car finance is a myth even if you have bad credit. Think about it this way – everyone is different. We all have different circumstances, and our credit file is the same.
No responsible dealer or lender in Birmingham will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.
There are specialist lenders such as Moneybarn who could help if you have bad credit. You should be wary of anyone claiming to offer guaranteed car finance.
Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.
You may be able to get car finance with no deposit, subject to affordability. However, some of our agreements may require a deposit. Our team can guide you through this process.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
Birmingham is known for Gravelly Hill Interchange, or “Spaghetti Junction”. This can be a nightmare to drive around and many find it stressful. If you have to go through here, we’d advise checking your route in advance so you know which turns you need to take.
When driving through the city you will experience congestion as Birmingham is densely populated. Our study found Birmingham to be the 7th slowest city in the whole of England! Other studies such as TomTom’s Traffic Index ranked Birmingham 101st in Europe for its level of congestion, with 55 hours being lost each year stuck in congestion. It was also seen to have the 3rd most roadworks in the UK in another study we did.
Birmingham’s Clean Air Zone went live in June 2021. Before setting off on a trip to or through Birmingham, make sure that your car won’t be charged for driving through the clean air zone. The Clean Air Zone is anywhere within the city’s ring road (the A4540 Middleway Ring Road). You can use the Government’s clean air zone checker to see if the charges apply to your car or not.
If you’re looking to get a new car on finance, have you considered going hybrid or electric? Electric cars allow for some low emission driving and usually won’t incur charges if you drive through the Clean Air Zone.
As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible. We offer a Conditional Sale agreement, which means you’ll legally own the car once you make your final repayment.
Our hard work has earned us many major industry awards over the years. We were named ‘Sub-Prime Lender of the Year’ and ‘Independent Finance Provider of the Year’ at the Motor Finance Europe Awards 2021, and ‘Responsible Lender of the Year’ at the Credit Awards 2022.
We have a list of reputable dealers we work with. Some of our trusted partners around Birmingham include:
Please note that you can apply for car finance in Birmingham from any reputable dealer, not just the above list.
If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.
When you get a quote with us, we use a soft search which does not affect your credit score.
Other lenders might use a hard search, so its important to understand the difference between a soft search and a hard search.
When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.
When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive months of payslips.
Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.
We have a list of reputable dealers we work with. Some of our trusted partners around Birmingham include:
Please note that you can apply for car finance in Birmingham from any reputable dealer, not just the above list.
If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.
When you get a quote with us, we use a soft search which does not affect your credit score.
Other lenders might use a hard search, so its important to understand the difference between a soft search and a hard search.
When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.
When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive months of payslips.
Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.
If you’ve been suffering with a bad credit history, you’re in good hands. We understand that you still need a reliable car to get to around
Our guide explains how car finance works and the different types of car finance available, so you can make an informed decision.
A common misconception is that, just because you’re on benefits, you can’t get the car on finance you need. Find out more in our guide.
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)
