Bad Credit

Moneybarn is a specialist lender, working with customers who have a poor credit history.

Why do I have bad credit?

You might be aware you have bad credit. Perhaps you have missed some credit payments which have affected your credit profile and resulted in a low credit score. But what can you do about it?

Improving the quality of your credit profile is possible, either by paying off your outstanding finance or by using credit and making repayments on time to build up your credit score, but this can be a lengthy process. Whilst you’re repairing your credit profile, you may require a car or van to continue your day-to-day life and help you to get to work. We are the UK’s largest provider of car and van finance for people with bad credit history, so this is where we can help.

Can I get car finance with bad credit?

Having bad credit doesn’t mean you cannot apply for car or van finance. It does, however, mean that some lenders won’t approve you.

As a specialist lender, we understand bad credit and provide finance for people with poor credit histories. We are experts in helping our customers not only navigate the world of bad credit, but also giving them access to reliable cars, at a repayment rate that suits them.

Can a finance application harm my credit profile?

When you apply for finance with Moneybarn, we will (with your consent) conduct a credit search. Each time a lender or bank agrees to conduct a full credit search it will appear on a new search in your profile. This means that anyone that views your credit history will know you have applied for finance from a lender. Multiple searches on a credit history in a short space of time can indicate that you are struggling to get approved for finance.

If you know you have bad credit, you can avoid unnecessary credit searches appearing on your record by going directly to a lender that specialises in bad credit, such as Moneybarn.

Quick links