A specialist lender built for van buyers with poor, thin, or no credit history — part of the Non-Standard Finance group.
Moneybarn focuses exclusively on non-prime and near-prime motor finance, including vans and light commercial vehicles. Rather than a single flat rate, they price each application individually based on affordability and risk, which is why their representative APR range is wide compared with mainstream lenders.
Drivers who have been declined by mainstream lenders, have missed payments or defaults on file, or have limited credit history — for example newly self-employed tradespeople or recent UK arrivals.
| Minimum age | 18 |
| UK residency required | Yes, UK resident |
| Minimum income | Assessed individually (no fixed minimum) |
| Self-employed accepted | Yes, with 12+ months trading history typically preferred |
| Credit check type | Hard search |
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Approved after two other lenders turned me down. Rate was high but the payments were manageable and clearly explained upfront.
Process took a bit longer than expected but customer service kept me updated throughout.
