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If you’re looking for a reliable car in Liverpool and don’t have perfect credit, don’t worry. We could help. We’ve helped thousands up and down the UK, including in Liverpool, get the car they need.
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, usually 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:
If you’ve got your eyes on a particular car, make sure it meets our lending criteria:
If you’re looking for a reliable car in Liverpool and don’t have perfect credit, don’t worry. We could help. We’ve helped thousands up and down the UK, including in Liverpool, get the car they need.
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, usually 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:
If you’ve got your eyes on a particular car, make sure it meets our lending criteria:
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 Liverpool 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.
If you’re in Liverpool and are claiming benefits, we could help. We understand that just because you are in receipt of benefits, it doesn’t change your need for a reliable car to get you around Liverpool. Please see our guide to getting car finance on benefits for more information on the specific types of benefits that are accepted.
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 Liverpool 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.
If you’re in Liverpool and are claiming benefits, we could help. We understand that just because you are in receipt of benefits, it doesn’t change your need for a reliable car to get you around Liverpool. Please see our guide to getting car finance on benefits for more information on the specific types of benefits that are accepted.
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There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
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 Liverpool 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.
That’s why you should be cautious about anyone offering guaranteed car finance. If you have bad credit, there are specialist lenders such as Moneybarn who could help.
Another myth about car finance, something you might have heard when searching in Liverpool, is that you can get car finance with no credit checks.
A responsible lender uses a credit check to make sure their finance is affordable for you. The difference is whether the car finance company uses a soft or hard credit check.
We use a soft credit check. This does not affect your credit score, but means we can tell you whether or not we could offer you finance. Other lenders can use a hard credit check, which does affect your score. That’s why it’s important to understand the difference – see our guide that compares soft and hard credit checks.
Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.
You might not have the cash to make a deposit up front. Depending on your personal circumstances, you might be able to get car finance without a deposit. However, please note that some of our agreements do require a deposit. Our team will be able to help you through the process and answer any questions you might have.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
Liverpool is a vibrant city with lots of history and can be a great place to visit. If you decide to drive around the city then you can expect like other cities, congestion at peak times. There is a large pedestrian area for Liverpool ONE shopping and leisure complex, but there are 3 car parks to accommodate plenty of parking for the city centre.
Our recent study on car parking found Liverpool to be in the top 20 places in the UK, with a plentiful 15.35 spaces per 1,000 cars. However, the Merseyside city ranked top 10 for the most expensive parking, at an average cost of £3.74 for a one hour stay.
There are also many major roads supporting the flow of traffic in and out of the city to help with congestion. Unfortunately there is a lot of congestion in Liverpool – our study found it to be the 3rd slowest city in the UK. If you plan on travelling around Liverpool, try to avoid rush hour and use a navigation app like Waze or Google Maps so you know how long your journey will take.
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 Liverpool 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.
That’s why you should be cautious about anyone offering guaranteed car finance. If you have bad credit, there are specialist lenders such as Moneybarn who could help.
Another myth about car finance, something you might have heard when searching in Liverpool, is that you can get car finance with no credit checks.
A responsible lender uses a credit check to make sure their finance is affordable for you. The difference is whether the car finance company uses a soft or hard credit check.
We use a soft credit check. This does not affect your credit score, but means we can tell you whether or not we could offer you finance. Other lenders can use a hard credit check, which does affect your score. That’s why it’s important to understand the difference – see our guide that compares soft and hard credit checks.
Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.
You might not have the cash to make a deposit up front. Depending on your personal circumstances, you might be able to get car finance without a deposit. However, please note that some of our agreements do require a deposit. Our team will be able to help you through the process and answer any questions you might have.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
Liverpool is a vibrant city with lots of history and can be a great place to visit. If you decide to drive around the city then you can expect like other cities, congestion at peak times. There is a large pedestrian area for Liverpool ONE shopping and leisure complex, but there are 3 car parks to accommodate plenty of parking for the city centre.
Our recent study on car parking found Liverpool to be in the top 20 places in the UK, with a plentiful 15.35 spaces per 1,000 cars. However, the Merseyside city ranked top 10 for the most expensive parking, at an average cost of £3.74 for a one hour stay.
There are also many major roads supporting the flow of traffic in and out of the city to help with congestion. Unfortunately there is a lot of congestion in Liverpool – our study found it to be the 3rd slowest city in the UK. If you plan on travelling around Liverpool, try to avoid rush hour and use a navigation app like Waze or Google Maps so you know how long your journey will take.
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 that we work with. Some of our trusted partners around Liverpool include:
Please note that you can apply for car finance in Liverpool 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.Â
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 that we work with. Some of our trusted partners around Liverpool include:
Please note that you can apply for car finance in Liverpool 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.Â
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)
