For a better road ahead
Moneybarn is part of the Vanquis family, helping people get on the road with vehicle finance through our wide network of trusted credit brokers.
We’re all about responsible lending, helping thousands each month buy a used vehicle with affordable finance that fits their needs. Moneybarn specialises in supporting people across the UK who may struggle to get approved by other lenders, including those who:
- Want to build their credit score
- Have less than a perfect credit history
- Are self-employed
- Have a County Court Judgement (CCJ)
- Are in an Individual Voluntary Arrangement (IVA)
Representative 30.7% APR
How it all works
If you’re looking to buy a used vehicle, we offer finance through a ‘Conditional Sale agreement’. You’ll make fixed monthly payments over an agreed period, have no mileage limits and be the registered keeper of the vehicle from day one.
Unlike other types of finance, like car leasing, you’ll automatically become the legal owner of the vehicle when you’ve made your final repayment.
How Moneybarn can help
We provide vehicle finance from £4,000 to £35,000 over 36 to 60 months (subject to affordability), so you can make the most of life’s opportunities.
Whether it’s getting to work, taking the kids to school or simply visiting friends and family, Moneybarn can help get you where you need to be.
What Moneybarn customers think
Our Trustpilot reviews and industry awards show how much we care about delivering a great product and making customers happy.
Check out our reviews below.
What you'll need to apply
You’ll need to be aged between 20 and 75, with:
- Earnings of over £1,000 per month (after tax)
- A valid UK driving licence
- 2 consecutive months of payslips
For more info, see Moneybarn’s full lending criteria.
Helping you borrow with confidence
As a responsible lender, we want to make sure you only borrow what you can afford to pay back.
When you make regular payments (like your vehicle finance) on time, other lenders will see you’re a reliable borrower and can handle credit responsibly. This should then boost your credit score.
But if you don’t make your regular payments on time, or you miss any payments, it could negatively affect your score. You may risk losing your vehicle if you don’t keep up with your repayments.
