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How it works

How it works

Excellent

4.5 out of five star rating on Trustpilot

Based on 12,128 reviews

5 out of five star rating on Trustpilot

Verified

The customer service was ver...

The customer service was very good.

Donna Mcknight, 16 hours ago

5 out of five star rating on Trustpilot

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All sorted through my broker...

All sorted through my brokerage: Carfinance247, very pleased with docu...

Charlotte Brownett, 1 day ago

5 out of five star rating on Trustpilot

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Very helpful and friendly

Very helpful and friendly

Alison Ney, 2 days ago

5 out of five star rating on Trustpilot

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Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

Showing our 4 & 5 star reviews

Excellent

4.5 out of five star rating on Trustpilot

Based on 12,128 reviews

5 out of five star rating on Trustpilot

Verified

The customer service was ver...

The customer service was very good.

Donna Mcknight, 16 hours ago

5 out of five star rating on Trustpilot

Verified

All sorted through my broker...

All sorted through my brokerage: Carfinance247, very pleased with docu...

Charlotte Brownett, 1 day ago

5 out of five star rating on Trustpilot

Verified

Very helpful and friendly

Very helpful and friendly

Alison Ney, 2 days ago

5 out of five star rating on Trustpilot

Verified

Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

Showing our 4 & 5 star reviews

As the UK’s leading lender of specialist car, van and motorbike finance, we’ve been supporting thousands of people with vehicle finance for many years. We could help even if you’ve been refused finance elsewhere, because of bad credit, whether its because of an IVA or CCJ.

As the UK’s leading lender of specialist car, van and motorbike finance, we’ve been supporting thousands of people with vehicle finance for many years. We could help even if you’ve been refused finance elsewhere, because of bad credit, whether its because of an IVA or CCJ.

How our vehicle finance works

To apply for vehicle finance, we always recommend trying out our calculators to begin with. They will give you a clear idea of what your vehicle finance could look like, including what your APR could be. This is all depending on your credit score, the repayment term, and the amount you are looking to borrow.

How our vehicle finance works

To apply for vehicle finance, we always recommend trying out our calculators to begin with. They will give you a clear idea of what your vehicle finance could look like, including what your APR could be. This is all depending on your credit score, the repayment term, and the amount you are looking to borrow.

Car finance calculator
Van finance calculator
Motorbike finance calculator
Car finance calculator
Van finance calculator
Motorbike finance calculator

We offer a Conditional Sale agreement. If you’re unsure what that means, we’ve written a guide that explains the different types of car finance.

To get started with an application, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • Valid UK driving licence
  • To be aged between 20 and 75
  • 2 consecutive months of payslips

We offer a Conditional Sale agreement. If you’re unsure what that means, we’ve written a guide that explains the different types of car finance.

To get started with an application, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • Valid UK driving licence
  • To be aged between 20 and 75
  • 2 consecutive months of payslips

Our application process

If your application is approved, we’ll help guide you through the process of getting a new vehicle. You can find out more about our application process below:

1. Find the right vehicle for you. You could use our vehicle finder tool to help you do this

2. Provide us with proof of identity

3. We will carry out affordability checks

4. You will then test drive your new vehicle

5. Your contract will be approved

6. We pay the dealer

7. You collect your new vehicle!

You’ll need to make sure your vehicle meets our lending criteria. Don’t worry, if you’re unsure, we can help you through this process.

We’ve written some guides to the most popular car brands so you can find the right one for you.

Get a quote

Our application process

If your application is approved, we’ll help guide you through the process of getting a new vehicle. You can find out more about our application process below:

1. Find the right vehicle for you. You could use our vehicle finder tool to help you do this

2. Provide us with proof of identity

3. We will carry out affordability checks

4. You will then test drive your new vehicle

5. Your contract will be approved

6. We pay the dealer

7. You collect your new vehicle!

You’ll need to make sure your vehicle meets our lending criteria. Don’t worry, if you’re unsure, we can help you through this process.

We’ve written some guides to the most popular car brands so you can find the right one for you.

Get a quote

Frequently asked questions

Taking out a vehicle finance agreement is a big commitment and can seem complex. It’s important to understand exactly how it works, to help you decide if it’s the right choice for you. Here are the answers to the questions that our team gets asked most regularly:

Frequently asked questions

Taking out a vehicle finance agreement is a big commitment and can seem complex. It’s important to understand exactly how it works, to help you decide if it’s the right choice for you. Here are the answers to the questions that our team gets asked most regularly:

Am I eligible?

Everyone’s eligibility for vehicle finance is different. We specialise in helping customers to get finance even if they do not have a perfect credit history.

Common FAQs:

What credit score is needed for car finance?

Can I get car finance on a debt management plan?

Can I get car finance after a Debt Relief Order?

How does it work?

It is important to completely understand the vehicle finance agreement that you might enter. Our application process is quick and easy to do online.

Common FAQs:

How long does car finance approval take?

Can I get car finance with no deposit?

What do you need when applying for car finance?

How do I apply?

If you’re ready, you could get a quote today. Or, if you would rather apply on the phone, our team will be more than happy to guide you on our application process.

Common FAQs:

Can I get car finance on benefits?

Can I get car finance when self-employed?

Joint car finance application

Am I eligible?

Everyone’s eligibility for vehicle finance is different. We specialise in helping customers to get finance even if they do not have a perfect credit history.

Common FAQs:

What credit score is needed for car finance?

Can I get car finance on a debt management plan?

Can I get car finance after a Debt Relief Order?

How does it work?

It is important to completely understand the vehicle finance agreement that you might enter. Our application process is quick and easy to do online.

Common FAQs:

How long does car finance approval take?

Can I get car finance with no deposit?

What do you need when applying for car finance?

How do I apply?

If you’re ready, you could get a quote today. Or, if you would rather apply on the phone, our team will be more than happy to guide you on our application process.

Common FAQs:

Can I get car finance on benefits?

Can I get car finance when self-employed?

Joint car finance application

FAQs and guides
FAQs and guides

We just needed that chance to get a new car, and Moneybarn were able to offer us that chance. We’ve never had any problems with Moneybarn, everything has been simple and easy. We would definitely use them again and are hoping to when this current agreement ends.

Adam
Read Adam's story
Moneybarn customer Adam
Moneybarn customer Adam

We just needed that chance to get a new car, and Moneybarn were able to offer us that chance. We’ve never had any problems with Moneybarn, everything has been simple and easy. We would definitely use them again and are hoping to when this current agreement ends.

Adam
Read Adam's story

Car finance

We could help walk you through the entire car finance process. With our broad finance options, we could help find the right car for you. Find out more today.

Car finance

Motorbike finance

Financing a motorbike works exactly the same way as financing a car. Even if you’re unsure which motorbike to pick, that’s fine! Apply today and we can help guide you through the process.

Motorbike finance

Van finance

Van finance gives you access to a van without having to pay a lump sum up front. If you’re looking for van finance, we could help even if you’ve been refused elsewhere.

Van finance

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)

sub prime-lender year award
National Credit Winner
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© Copyright 2023 Moneybarn Limited
© Copyright 2023 Moneybarn Limited

Representative example: Total amount of credit £10,460. Repayable over 58 months, 57 monthly payments of £351.13. Representative 35.5% APR (fixed). Deposit of £910.55. Total charge for credit £9,554.41. Total amount payable £20,924.96. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.