TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
TrustScore 4.4 | 13,086 reviews
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
We could help you finance a reliable car in Southampton so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Southampton, 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. We offer a CS (Conditional Sale) agreement, which means once you’ve made your final repayment, you’ll fully own the car.
To get car finance you’ll need:
We could help you finance a reliable car in Southampton so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Southampton, 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. We offer a CS (Conditional Sale) agreement, which means once you’ve made your final repayment, you’ll fully own the car.
To get car finance you’ll need:
We understand that your credit score doesn’t change the fact you need a car to get around. We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or if you have a CCJ or IVA, we could help.
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.
If you’re looking for car finance with bad credit in Southampton 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.
We understand that your credit score doesn’t change the fact you need a car to get around. We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or if you have a CCJ or IVA, we could help.
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.
If you’re looking for car finance with bad credit in Southampton 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.
We can provide finance for cars that meet our lending criteria.
When you’re looking for a car in Southampton, make sure it meets our lending criteria:
Below are some examples of cars for sale in Southampton 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 Southampton, make sure it meets our lending criteria:
To the right are some examples of cars for sale in Southampton 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 Southampton 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 Southampton with poor credit, a specialist lender like Moneybarn may be able to help.
Southampton is a city in Hampshire on the south coast, close to Winchester, Portsmouth, and Bournemouth. There are some beautiful places to drive to from Southampton including the New Forest and Dorest.
Within the city centre there is a toll bridge that charges drivers to cross over it, the Itchen Bridge. Although the cost is minimal for a car, between 70-80p for non-residents, it’s still something to bear in mind. As like every city there are one-way roads, pedestrians and bus lanes to take into consideration, with many crossroads and traffic lights too. If you are new to driving in Southampton, please use a map app that is up-to-date and can tell you the latest lane and road conditions when driving.
If you’re wondering about car parking in Southampton, you’ll be pleased to know that it ranked in the top 20 places across the UK for cheapest parking.
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 Southampton 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 Southampton with poor credit, a specialist lender like Moneybarn may be able to help.
Southampton is a city in Hampshire on the south coast, close to Winchester, Portsmouth, and Bournemouth. There are some beautiful places to drive to from Southampton including the New Forest and Dorest.
Within the city centre there is a toll bridge that charges drivers to cross over it, the Itchen Bridge. Although the cost is minimal for a car, between 70-80p for non-residents, it’s still something to bear in mind. As like every city there are one-way roads, pedestrians and bus lanes to take into consideration, with many crossroads and traffic lights too. If you are new to driving in Southampton, please use a map app that is up-to-date and can tell you the latest lane and road conditions when driving.
If you’re wondering about car parking in Southampton, you’ll be pleased to know that it ranked in the top 20 places across the UK for cheapest parking.
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 Southampton 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.
A common myth about car finance is that you can get it with no credit check. This doesn’t exist.
Think about it this way. Everyone is different, we all have different incomes, credit scores and histories. Everyone’s eligibility for car finance is different too.
A responsible lender will make a credit check to make sure any finance they offer is affordable for you. The difference is whether they use a soft or hard credit check. We use a soft credit check at the point of application, which does not affect your credit score.
For more information please see our guide explaining why no credit check car finance is a misleading claim.
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 Southampton 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.
A common myth about car finance is that you can get it with no credit check. This doesn’t exist.
Think about it this way. Everyone is different, we all have different incomes, credit scores and histories. Everyone’s eligibility for car finance is different too.
A responsible lender will make a credit check to make sure any finance they offer is affordable for you. The difference is whether they use a soft or hard credit check. We use a soft credit check at the point of application, which does not affect your credit score.
For more information please see our guide explaining why no credit check car finance is a misleading claim.
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)
