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About us

With a firm focus on responsible lending, we help people to access finance even if their credit rating is less than perfect.

About us

With a firm focus on responsible lending, we help people to access finance even if their credit rating is less than perfect.

Founded in 1992, we are one of the UK’s leading lenders of specialist car, van, and motorbike finance.

We’re experts in helping customers to access finance when they might have struggled to get approval from mainstream lenders. Our customers represent 1 in 5 of UK adults who have a poor credit history but need a reliable vehicle to suit their lifestyle and financial situation.

Bill Scotney, Commercial Director

Founded in 1992, we are one of the UK’s leading lenders of specialist car, van, and motorbike finance.

We’re experts in helping customers to access finance when they might have struggled to get approval from mainstream lenders. Our customers represent 1 in 5 of UK adults who have a poor credit history but need a reliable vehicle to suit their lifestyle and financial situation.

Bill Scotney, Commercial Director

How we operate

Our lending decision is based on how much an individual can reasonably afford to spend on finance each month, and this ensures that our customers are comfortable with their Conditional Sale agreement.

We have an expert credit team committed to reviewing our products to make sure they meet the changing needs of our customers, and we make sure our customers can access reliable vehicles. We work with a large network of introducers, and we are passionate about providing the best possible service to our customers and partners.

We’re passionate about providing finance that suits the needs of customers who may not have the best credit score. Our commitment to achieving good customer outcomes has won various industry awards. Most recently, in 2023, we were highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards. We were also name ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards and ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards.

These awards continue to reflect our hard work, passion, and dedication to delivering the best possible product and experience for our customers and partners.

How we can help

Car finance

We will help walk you through the entire car finance process, and help spread the cost of your car with a Conditional Sale agreement. Find out more today.

Car 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

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! We're help guide you through the process.

Motorbike finance

Car finance

We will help walk you through the entire car finance process, and help spread the cost of your car with a Conditional Sale agreement. Find out more today.

Car 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

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! We're help guide you through the process.

Motorbike finance

Our customers

We’re here to help customers finance reliable cars, vans, and motorbikes, but we’re also here to make sure they have a great experience with us. Our customers may be new to credit, be self-employed or have a had a problem such as a CCJ or an IVA in the past, but we know that this does not change their need for vehicle finance. We’re proud that most of our customers rate us as ‘Excellent’ on Trustpilot. You can read our latest customer reviews here.

Our customers

We’re here to help customers finance reliable cars, vans, and motorbikes, but we’re also here to make sure they have a great experience with us. Our customers may be new to credit, be self-employed or have had a problem such as a CCJ or an IVA in the past, but we know that this does not change their need for vehicle finance. We’re proud that most of our customers rate us as ‘Excellent’ on Trustpilot. You can read our latest customer reviews here.

"Luckily they were able to take all my information into account and looked past my credit score"

Read Leah's story

"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"

Read Warren's story

"The process was super easy. I never felt rushed. It's been amazing to have this back in my life."

Read Jason's story

"Luckily they were able to take all my information into account and looked past my credit score"

Read Leah's story

"Even when I’ve fallen behind on payments, they have made me feel relaxed about paying it back"

Read Warren's story

"The process was super easy. I never felt rushed. It's been amazing to have this back in my life."

Read Jason's story

Who we are

Established in 1992, we are now part of Vanquis Banking Group, a specialist bank offering financial services to everyday people.

After 22 independent years, Moneybarn was acquired in 2014 to provide responsible vehicle finance to people in the UK not well served by mainstream banks, joining the other credit card and loans businesses the Group own.

Who are Vanquis Banking Group?

Vanquis Banking Group has a rich history dating back to 1880.

The company was founded in Bradford by Joshua Kelley Waddilove as The Provident Clothing and Supply Company to help people access finance and goods who couldn’t from traditional lenders. Today, Vanquis Banking Group is a FTSE All Share company listed on the London Stock Exchange with around 1.7 million customers and plays the same role in people’s lives today, as it did when it was founded.

Vanquis Banking Group’s Purpose

Our purpose is simple: To deliver caring banking so our customers can make the most of life’s opportunities.

Whether it’s a tough situation, an exciting purchase, or navigating everyday life – we support our customers based on their circumstances. And we always try to find a way to help, even if it’s not possible right away. Read more about our Purpose, Values and Strategy.

Vanquis Banking Group have recently launched a Foundation. This Foundation aids financial inclusion and supports social mobility to children and young people within their communities. This is aligned with the Group’s purpose to help put people on a path to a better everyday life.

Since 1880, Vanquis Banking Group have supported people and provided a helping hand when others don’t. The Group understand the importance of supporting voluntary and not-for-profit organisations that impact their people and communities. Read more on the Vanquis Banking Group Foundation page.

As a company we believe in building a fair, equal and inclusive culture for all our colleagues and have taken progressive steps to ensure this is the case. For further details please have a read of our Gender Pay Gap Report.

Established in 1992, we are now part of Vanquis Banking Group, a specialist bank offering financial services to everyday people.

Who are Vanquis Banking Group?

Vanquis Banking Group has a rich history dating back to 1880.

Vanquis Banking Group’s Purpose

Our purpose is simple: To deliver caring banking so our customers can make the most of life’s opportunities.

The Vanquis Way

We’ve created The Vanquis Way to guide the decisions we make and remind us what’s important when we’re working with our customers, our communities and each other. It’s easy to remember and live by because it’s all about the simple things we need to do to get the job done the best way we can.

The Vanquis Way

We care about people

Everyone here is part of a caring team that respects and supports one another, even when times are hard and we need to make difficult decisions. Because we all bring something different, we recognise our customers’ and communities’ needs and individuality too.

We pull together as a team

Working together, trusting each other and being open aligned around our priorities and decisions makes us a great team and helps us achieve our Purpose. Our different perspectives make us better able to give our colleagues and customers opportunities they’ve been denied elsewhere.

We find a better way

Our positive, can-do attitude means that even when things get touch, we keep going, we keep asking questions and we keep challenging one another until we find a better way. We do all this to give our customers and our communities the best options and help our business grow and succeed.

We get the right things done

Our people, customers and communities are at the heart of what we do and that’s why taking ownership and delivering on our promises matters. With our valuable skills and experience, we lead the way in getting the right things done and making sure we’re doing work that everyone can be proud of.

We care about people

We pull together as a team

Working together, trusting each other and being open and aligned around our priorities and decisions makes us a great team and helps us achieve our Purpose. Our different perspectives make us better able to give our colleagues and customers opportunities they’ve been denied elsewhere.

We find a better way

We get the right things done

We've been featured in...

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 vehicle to get to work.

Customer Stories

We asked our customers about their customer journey and why they chose Moneybarn as their vehicle finance provider. Find out what they said here.

Customer reviews

We pride ourselves on providing a service that our customers love, in a way that is simple to understand and easy to use. Find out what our customers say about us.

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)

Representative example: Total amount of credit £10,443. Repayable over 58 months, 57 monthly payments of £326.43. Representative 30.5% APR (fixed). Deposit of £906.62. Total charge for credit £8,163.51. Total amount payable £19,513.13. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.