TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
TrustScore 4.4 | 13,088 reviews
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
We could help you finance a reliable car so you can get on with your daily life in Manchester. We’re proud to have helped thousands up and down the UK, including in Manchester, get the car finance they need.
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. Once you’ve made your final repayment, you’ll fully own the car.
We use a Conditional Sale agreement for our car finance, and our agreements last between 36 and 60 months.
To get car finance you’ll need:
We could help you finance a reliable car so you can get on with your daily life in Manchester. We’re proud to have helped thousands up and down the UK, including in Manchester, get the car finance they need.
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. Once you’ve made your final repayment, you’ll fully own the car.
We use a Conditional Sale agreement for our car finance, and our agreements last between 36 and 60 months.
To get car finance you’ll need:
We’re specialists in bad credit car finance. We understand that your credit score doesn’t change the fact you need a car to get around. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA – we could help.
If you’re looking for car finance with bad credit in Manchester and don’t know where to start, try our car finance calculator below. It will show you what your car finance could look like, depending on how much you are looking to borrow.
If you’re ready, you can get a quote today.
If you have bad credit, or don’t have the money saved for a deposit, you might be wondering if you can get car finance without a deposit. Whether or not you can depends on a number of factors. These include affordability and credit history.
You may be able to get car finance with no deposit, subject to affordability. However, some of our agreements may require a deposit. Our team can guide you through this process.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
We’re specialists in bad credit car finance. We understand that your credit score doesn’t change the fact you need a car to get around. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA – we could help.
If you’re looking for car finance with bad credit in Manchester and don’t know where to start, try our car finance calculator below. It will show you what your car finance could look like, depending on how much you are looking to borrow.
If you’re ready, you can get a quote today.
If you have bad credit, or don’t have the money saved for a deposit, you might be wondering if you can get car finance without a deposit. Whether or not you can depends on a number of factors. These include affordability and credit history.
You may be able to get car finance with no deposit, subject to affordability. However, some of our agreements may require a deposit. Our team can guide you through this process.
We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.
We can provide finance for cars that meet our lending criteria.
When you’re looking for a car in Manchester, make sure it meets our lending criteria:
Below are some examples of cars for sale in Manchester 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 Manchester, make sure it meets our lending criteria:
To the right are some examples of cars for sale in Manchester 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, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. No responsible dealer or lender in Manchester will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.
If you are looking for car finance in Manchester with poor credit, a specialist lender like Moneybarn may be able to help.
Another myth is that you can get car finance with no credit checks. You may have heard of dealerships claiming to offer no credit check car financing in Manchester.
Think of it this way. Everyone is different. We all have different incomes, credit scores and circumstances. So is everyone’s eligibility for car finance.
A responsible lender will use a credit check to make sure the car finance they offer is affordable and suitable for your situation. The difference is whether they use a soft check or hard check at the point of application.
We use a soft credit check when you apply. This does not affect your credit score, and will tell you whether we could help. Other lenders may use a hard check as soon as you apply, so it’s important to do your own research and understand the differences between soft and hard credit checks.
We only use a hard check when you’ve decided you want an agreement with us, and contracts are drawn up for you to sign.
If you’re in Manchester and looking to make a joint application because you have bad credit, we could help.
Joint car finance is where two people apply together, this could be yourself and a family member or partner.
If you have bad credit, a joint application isn’t the only way you could get finance. We specialise in helping those with less than perfect credit, even if you’ve been rejected by other lenders in Manchester.
An advantage of joint finance it lets you use a combined income for both you and the person you apply with. A joint application is slightly different, so make sure you check out our guide to joint car finance applications for more information.
Manchester is surrounded by a number of roads, taking you to Liverpool, Stoke on Trent, Sheffield, Leeds and many more large towns or cities. It therefore has a lot of traffic in and around the city, with our recent study ranking it the 5th slowest city in the UK with an average of 84 hours lost annually to congestion.
There are also a lot of one-way streets to be aware of, and with most city centres a lot of pedestrians, buses and cyclists too. There are lots of parking spaces available, being rated as having the best parking provision in the whole of the UK.
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.Â
No, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. No responsible dealer or lender in Manchester will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.
If you are looking for car finance in Manchester with poor credit, a specialist lender like Moneybarn may be able to help.
Another myth is that you can get car finance with no credit checks. You may have heard of dealerships claiming to offer no credit check car financing in Manchester.
Think of it this way. Everyone is different. We all have different incomes, credit scores and circumstances. So is everyone’s eligibility for car finance.
A responsible lender will use a credit check to make sure the car finance they offer is affordable and suitable for your situation. The difference is whether they use a soft check or hard check at the point of application.
We use a soft credit check when you apply. This does not affect your credit score, and will tell you whether we could help. Other lenders may use a hard check as soon as you apply, so it’s important to do your own research and understand the differences between soft and hard credit checks.
We only use a hard check when you’ve decided you want an agreement with us, and contracts are drawn up for you to sign.
If you’re in Manchester and looking to make a joint application because you have bad credit, we could help.
Joint car finance is where two people apply together, this could be yourself and a family member or partner.
If you have bad credit, a joint application isn’t the only way you could get finance. We specialise in helping those with less than perfect credit, even if you’ve been rejected by other lenders in Manchester.
An advantage of joint finance it lets you use a combined income for both you and the person you apply with. A joint application is slightly different, so make sure you check out our guide to joint car finance applications for more information.
Manchester is surrounded by a number of roads, taking you to Liverpool, Stoke on Trent, Sheffield, Leeds and many more large towns or cities. It therefore has a lot of traffic in and around the city, with our recent study ranking it the 5th slowest city in the UK with an average of 84 hours lost annually to congestion.
There are also a lot of one-way streets to be aware of, and with most city centres a lot of pedestrians, buses and cyclists too. There are lots of parking spaces available, being rated as having the best parking provision in the whole of the UK.
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.Â
We have a list of reputable dealers that we work with. Some local dealerships you could use that have positive ratings include:
Please note that you can apply for car finance in Manchester 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.Â
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. Some local dealerships you could use that have positive ratings include:
Please note that you can apply for car finance in Manchester 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.Â
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)
