Car finance in Birmingham

Car finance in Birmingham

We could help you finance a reliable car so you can get on with your daily life. In the past 12 months we’ve helped nearly 1,000 people in Birmingham with vehicle finance.

It’s important to know that any car we finance must meet our lending criteria:

  • Valued between £4,000-£25,000
  • Have a mileage below 120,000 miles
  • No more than 15 years old at the end of the agreement

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 21 and 70
  • A full valid UK driving licence
  • 2 consecutive months of payslips or bank statements
Car Finance Birmingham

We could help you finance a reliable car so you can get on with your daily life. In the past 12 months we’ve helped nearly 1,000 people in Birmingham with vehicle finance.

It’s important to know that any car we finance must meet our lending criteria:

  • Valued between £4,000-£25,000
  • Have a mileage below 120,000 miles
  • No more than 15 years old at the end of the agreement

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 21 and 70
  • A full valid UK driving licence
  • 2 consecutive months of payslips or bank statements

Bad credit car finance in Birmingham

We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We understand that your credit score doesn’t change the fact you need a car to get around.

If you’re looking for car finance with bad credit in Birmingham and don’t know where to start, try our car finance calculator below. This will give you a clear idea of what your car finance could look like, depending on how much you are looking to borrow and over the repayment term that suits you.

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.

Bad credit car finance in Birmingham

We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We understand that your credit score doesn’t change the fact you need a car to get around.

If you’re looking for car finance with bad credit in Birmingham and don’t know where to start, try our car finance calculator below. This will give you a clear idea of what your car finance could look like, depending on how much you are looking to borrow and over the repayment term that suits you.

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.

What your car loan could look like

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

What your car loan could look like

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

Can I get guaranteed car finance in Birmingham?

No, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. 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.

If you are looking for car finance in Birmingham with poor credit, a specialist lender like Moneybarn may be able to help.

Most popular cars in Birmingham

If you already know the type of car you’d like, then you could make an application today. If you’re not sure, don’t worry. We’ve picked out the top 3 car brands chosen by our customers in the West Midlands:

Can I get guaranteed car finance in Birmingham?

No, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. 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.

If you are looking for car finance in Birmingham with poor credit, a specialist lender like Moneybarn may be able to help.

Most popular cars in Birmingham

If you already know the type of car you’d like, then you could make an application today. If you’re not sure, don’t worry. We’ve picked out the top 3 car brands chosen by our customers in the West Midlands:

What to know about driving in Birmingham

Birmingham is known for Gravelly Hill Interchange, better known as Spaghetti Junction. This can be a nightmare to drive around and many can find it quite stressful, so stay clear of here if you can. If you are more of a nervous driver, we’d advise checking that your sat nav route isn’t taking you that way as well. 

It’s a large city which is densely populated in the centre and therefore you will experience congestion. 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 with over 79,358 roadworks in the last 3 years.

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, which is anywhere within the city’s ring road. If your car doesn’t meet the emission requirements of Birmingham then you will be charged £8 per day, which could lead to a £120 fine if you fail to pay it.

You can use the Government’s clean air zone checker to see if the charges apply to your car or not. 

Why apply for finance with Moneybarn?

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’re motivated by our focus on achieving great customer results, and aim to make financing a vehicle as simple and seamless as possible. 

Our hard work has earned us many major industry awards over the years. Most recently we were awarded ‘Sub-Prime Lender of the Year’ and ‘Independent Finance Provider of the Year’ at the Motor Finance Europe Awards 2021, and the Feefo Platinum Award 2021 and most recently we won ‘Responsible Lender of the Year’ at the Credit Awards 2022.

What to know about driving in Birmingham

Birmingham is known for Gravelly Hill Interchange, better known as Spaghetti Junction. This can be a nightmare to drive around and many can find it quite stressful, so stay clear of here if you can. If you are more of a nervous driver, we’d advise checking that your sat nav route isn’t taking you that way as well. 

It’s a large city which is densely populated in the centre and therefore you will experience congestion. 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 with over 79,358 roadworks in the last 3 years.

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, which is anywhere within the city’s ring road. If your car doesn’t meet the emission requirements of Birmingham then you will be charged £8 per day, which could lead to a £120 fine if you fail to pay it.

You can use the Government’s clean air zone checker to see if the charges apply to your car or not. 

Why apply for finance with Moneybarn?

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’re motivated by our focus on achieving great customer results, and aim to make financing a vehicle as simple and seamless as possible. 

Our hard work has earned us many major industry awards over the years. Most recently we were awarded ‘Sub-Prime Lender of the Year’ and ‘Independent Finance Provider of the Year’ at the Motor Finance Europe Awards 2021, and the Feefo Platinum Award 2021 and most recently we won ‘Responsible Lender of the Year’ at the Credit Awards 2022.

Frequently asked questions

Whether or not you can get no deposit car finance in Birmingham depends on a number of factors. Try our car finance calculator to see what your agreement might look like, or if you’re ready then you could get a quote.

If you’re looking to get a used car on finance in Birmingham, we may be able to help as long as it fits our lending criteria.

When you get a quote with us, a soft search is done which does not affect your credit score. 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).

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.

A responsible lender will always need to do a credit check on you when you apply. Whether that’s for a car finance, or no deposit car finance. You should be wary of anyone claiming to offer car finance with no deposit and no credit check in Birmingham.

Frequently asked questions

Whether or not you can get no deposit car finance in Birmingham depends on a number of factors. Try our car finance calculator to see what your agreement might look like, or if you’re ready then you could get a quote.

If you’re looking to get a used car on finance in Birmingham, we may be able to help as long as it fits our lending criteria.

When you get a quote with us, a soft search is done which does not affect your credit score. 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).

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.

A responsible lender will always need to do a credit check on you when you apply. Whether that’s for a car finance, or no deposit car finance. You should be wary of anyone claiming to offer car finance with no deposit and no credit check in Birmingham.

Bad credit? No problem.

If you’ve been suffering with a bad credit history, you’re in good hands. As bad credit car finance specialists, Moneybarn understand that you still need a reliable car to get to work.

Car finance explained

Our guide explains how car finance works and the different types of car finance available, so you can choose the option that’s right for you.

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