Is Moneybarn a finance broker or a lender?

Barney says:

We’re a vehicle finance lender. We provide you with the finance you need (making payment to a vehicle supplier of your choice, within reason) so you can have access to a vehicle. We are the legal owners of the vehicle while we’re financing you, and you make regular monthly repayments to us over a set term (typically 3-5 years) until you make the final payment, complete the agreement and you become the legal owner.