TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
TrustScore 4.5 | 13,059 reviews
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
We could help you finance a reliable car in London so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in London, get the car they need to get around.
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. Our agreements last between 36 to 60 months. Once you’ve made your final repayment, you’ll fully own the car.
We use a Conditional Sale agreement for our car finance. The main difference between CS and other finance options is that you don’t own the car until you make your final repayment, and there is no option to purchase fee or balloon payment.
To get car finance you’ll need:
We could help you finance a reliable car in London so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in London, get the car they need to get around.
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. Our agreements last between 36 to 60 months. Once you’ve made your final repayment, you’ll fully own the car.
We use a Conditional Sale agreement for our car finance. The main difference between CS and other finance options is that you don’t own the car until you make your final repayment, and there is no option to purchase fee or balloon payment.
To get car finance you’ll need:
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 poor credit in London 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. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.
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 poor credit in London 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. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.
We can provide finance for cars that meet our lending criteria.
When you’re looking for a car in London, make sure it meets our lending criteria:
Below are some examples of cars for sale in London that we could finance. They’re from reputable dealerships we trust.
If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.
We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.
We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.
We can provide finance for cars that meet our lending criteria.
When you’re looking for a car in London, make sure it meets our lending criteria:
To the right are some examples of cars for sale in London that we could finance. They’re from reputable dealerships we trust.
If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.
We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.
We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
No, guaranteed car finance is a myth even if you have bad credit – it doesn’t exist.
You might have heard it talked about in London, but no responsible dealer or lender can guarantee you any type of finance. Everyone’s eligibility for car finance is different, and a responsible lender will run affordability and credit checks before offering you finance.
If you are looking for car finance in London with poor credit, a specialist lender like Moneybarn may be able to help.
If you don’t have the money to put down a deposit, you might be looking for car finance with no deposit. It is possible, but it depends on your personal circumstances. These include affordability and credit history.
Some of our agreements might require a deposit. Our team can guide you through the process and discuss what’s best for you.
If you’d like to learn more, we’ve written a full guide to no deposit car finance so you can make an informed decision.
If you’re thinking about going electric, and are looking for an electric car on finance in London, check out our guide to electric car finance.
In 2021, London expanded their ULEZ area to include anywhere within the north and south circular roads. This means if you are intending on driving into London, you must check to see if your vehicle is ULEZ compliant. If you vehicle is not ULEZ compliant you can still drive through London, but you will have to pay a fee.
You must also consider the Congestion Charge zone in London, which is a much smaller area but runs in a circle around Soho, Westminster and the City of London. If anyone enters this area within charging times then there is a flat charge.
It’s important to consider these charges when buying a new car if you intend to travel in and around London.
We recommend using a navigation app and allowing plenty of time for your journey. Our research found that London is the 4th slowest place in the UK, and the capital is in the top 10 for most expensive and least available parking spaces.
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.
Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards.
No, guaranteed car finance is a myth even if you have bad credit – it doesn’t exist.
You might have heard it talked about in London, but no responsible dealer or lender can guarantee you any type of finance. Everyone’s eligibility for car finance is different, and a responsible lender will run affordability and credit checks before offering you finance.
If you are looking for car finance in London with poor credit, a specialist lender like Moneybarn may be able to help.
If you don’t have the money to put down a deposit, you might be looking for car finance with no deposit. It is possible, but it depends on your personal circumstances. These include affordability and credit history.
Some of our agreements might require a deposit. Our team can guide you through the process and discuss what’s best for you.
If you’d like to learn more, we’ve written a full guide to no deposit car finance so you can make an informed decision.
If you’re thinking about going electric, and are looking for an electric car on finance in London, check out our guide to electric car finance.
In 2021, London expanded their ULEZ area to include anywhere within the north and south circular roads. This means if you are intending on driving into London, you must check to see if your vehicle is ULEZ compliant. If you vehicle is not ULEZ compliant you can still drive through London, but you will have to pay a fee.
You must also consider the Congestion Charge zone in London, which is a much smaller area but runs in a circle around Soho, Westminster and the City of London. If anyone enters this area within charging times then there is a flat charge.
It’s important to consider these charges when buying a new car if you intend to travel in and around London.
We recommend using a navigation app and allowing plenty of time for your journey. Our research found that London is the 4th slowest place in the UK, and the capital is in the top 10 for most expensive and least available parking spaces.
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.
Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards.
We have a list of reputable dealers that we work with. We offer finance across all postcodes of London. Some local dealerships you could use that have positive ratings include:
Please note that you can apply for car finance in London 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.
Other lenders might use a hard search at the point of application, 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. We offer finance across all postcodes of London. Some local dealerships you could use that have positive ratings include:
Please note that you can apply for car finance in London 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.
Other lenders might use a hard search at the point of application, 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)
