Moneybarn Limited is a long-established UK motor finance provider specialising in Conditional Sale (CS) agreements for used cars, vans, and motorbikes. Founded in 1992 and based in Petersfield, Hampshire, the company is part of Vanquis Banking Group plc, a well-known name in British consumer finance.
As a group, Vanquis focuses on helping people who may not have access to mainstream credit, and Moneybarn follows that same principle. It helps thousands of drivers each year get behind the wheel through finance plans designed for real-world budgets, not just perfect credit scores.
Over the years, Moneybarn has built a reputation for helping customers who may have limited credit history or have previously been turned down elsewhere. It operates under full authorisation from the Financial Conduct Authority (FCA), which oversees its lending and conduct standards.
Why We Partner with Moneybarn
At Carplus, we only work with lenders who share our commitment to responsible lending. Moneybarn fits that standard perfectly. Their finance options are built for people who may have limited credit history, past defaults, or just want a fair chance to finance a car without unnecessary barriers.
This partnership allows us to offer our customers a route to vehicle ownership even if their credit file isn’t spotless. Moneybarn’s approach focuses on affordability and transparency — no hidden charges, no confusing terms, and a clear structure from start to finish.
Because Moneybarn is part of a listed UK bank (Vanquis Banking Group) and regulated by the FCA, our clients can trust that all lending is handled responsibly. This makes the experience smoother, fairer, and more secure — whether you’re applying for your first car finance agreement or refinancing an existing vehicle.
Regulation and Responsibility
Moneybarn’s business is regulated by the Financial Conduct Authority, which enforces strict standards to protect customers.
Since then, Moneybarn has introduced stronger affordability checks and clearer communication for customers experiencing financial difficulty. These improvements show how seriously the lender treats its regulatory duties and how it continues to learn from past challenges.
For Carplus, this transparency is a key reason we continue to work with them. A lender that’s open about its progress is one that puts customer outcomes first — and that aligns with the standards we uphold for everyone applying through us.
What Moneybarn Offers for Our Clients
Moneybarn offers Conditional Sale (CS) car finance, a straightforward type of agreement where you pay for your vehicle in fixed monthly instalments, typically over 36 to 60 months. Once the final payment is made, you own the car outright.
Their finance is available for used cars, vans, and motorbikes, giving our customers flexible options depending on their lifestyle or work needs.
To apply, Moneybarn looks at practical factors such as monthly earnings (usually over £1,000 after tax), age (20–75), and proof of income, rather than relying solely on a credit score. Representative APRs range from around 18.5% to 47.5%, depending on your financial circumstances.
This makes Moneybarn one of the few lenders that genuinely considers affordability on an individual basis — a key reason why they’re a valuable partner for Carplus customers who want a fair, realistic chance at car ownership.
Why Moneybarn Stands Out for Carplus Clients
Moneybarn stands out because it combines accessibility with accountability. It helps drivers who’ve been declined elsewhere, yet still follows the same rigorous standards as any major UK lender.
Its affordability assessments are designed to ensure repayments fit comfortably within a customer’s budget, reducing the likelihood of missed payments or repossession. And because it operates under the supervision of the FCA and within the Vanquis Banking Group, there’s an extra layer of transparency and trust.
For Carplus clients, that means genuine choice. You can apply with confidence, knowing that your lender is experienced, regulated, and focused on fair outcomes. Moneybarn’s combination of flexible finance products, responsible lending, and consistent support makes it a reliable option for customers looking to finance a used car through Carplus.
