Home > Car finance > Instant decision
Home > Car finance > Instant decision
If you need a new car quickly, you won’t want to wait to find out if you’ve been approved for finance. Find out how you can get an instant decision for car finance.
If you need a new car quickly, you won’t want to wait to find out if you’ve been approved for finance. Find out how you can get an instant decision for car finance.
Based on 14,128 reviews
Showing our 4 & 5 star reviews
Based on 14,128 reviews
Showing our 4 & 5 star reviews
Instant decision car finance is when you apply for car finance and the lender gives you a decision within 60 seconds.
This means that when you get a quote for car finance, we’ll instantly let you know if you’re approved. Applying won’t affect your credit rating because we only use a soft credit search at the point of application.
When you decide you want a car finance deal with us, we’ll use a hard credit search, which will affect your credit score.
We’re a direct lender. When you get a quote, we’ll give you an instant decision for 1 of 3 outcomes:
Getting a quote online takes less than 5 minutes and will give you an immediate decision.
When you apply, we’ll ask for the following information:
You’ll then get an instant decision about whether we can help and how much we could lend you.
Instant decision car finance is when you apply for car finance and the lender gives you a decision within 60 seconds.
This means that when you get a quote for car finance, we’ll instantly let you know if you’re approved. Applying won’t affect your credit rating because we only use a soft credit search at the point of application.
When you decide you want a car finance deal with us, we’ll use a hard credit search, which will affect your credit score.
We’re a direct lender. When you get a quote, we’ll give you an instant decision for 1 of 3 outcomes:
Getting a quote online takes less than 5 minutes and will give you an immediate decision.
When you apply, we’ll ask for the following information:
You’ll then get an instant decision about whether we can help and how much we could lend you.
To get car finance, you’ll need:
We can finance cars that meet our lending criteria:
To get car finance, you’ll need:
We can finance cars that meet our lending criteria:
We specialise in bad credit car finance and have over 30 years of experience helping people get the car they need.
So, if you have a poor credit score or a less-than-perfect credit history, get a quote online today and you’ll get an instant decision.
We could help even if you:
We specialise in bad credit car finance and have over 30 years of experience helping people get the car they need.
So, if you have a poor credit score or a less-than-perfect credit history, get a quote online today and you’ll get an instant decision.
We could help even if you:
“Everyone I know struggles to get credit, and I had been refused finance before. So, when I needed a bigger car, Moneybarn were brilliant. They helped me get the car of my dreams” – Jennifer.
“Everyone I know struggles to get credit, and I had been refused finance before. So, when I needed a bigger car, Moneybarn were brilliant. They helped me get the car of my dreams” – Jennifer.
We offer Conditional Sale (CS) car finance agreements, meaning you will legally own the car when you make your last monthly payment with no balloon payment or fee needed!
While you’re making payments, you’ll be the car’s registered keeper. So, you’ll be responsible for maintaining and servicing the vehicle, but you’ll have full use of it with no mileage restrictions.
Read our guide to learn more about the registered keeper of a car on finance.
We’re here to help you get a car on finance, so you can move towards a better road ahead. If you want to build your credit score or improve your credit history along the way, we’re here for every step of your journey.
We offer Conditional Sale (CS) car finance agreements, meaning you will legally own the car when you make your last monthly payment with no balloon payment or fee needed!
While you’re making payments, you’ll be the car’s registered keeper. So, you’ll be responsible for maintaining and servicing the vehicle, but you’ll have full use of it with no mileage restrictions.
Read our guide to learn more about the registered keeper of a car on finance.
We’re here to help you get a car on finance, so you can move towards a better road ahead. If you want to build your credit score or improve your credit history along the way, we’re here for every step of your journey.
1
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
2
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
3
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
1
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
2
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
3
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.
We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.
As one of the UK's leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.
We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.
We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.
As one of the UK’s leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.
Knowing how car finance works and what you need when applying can speed up the process by avoiding unnecessary delays. Check out our guides that explain the process in more detail.
Knowing how car finance works and what you need when applying can speed up the process by avoiding unnecessary delays. Check out our guides that explain the process in more detail.
Preparing your documents can avoid delays if you’ve not applied for car finance before. Find out more by clicking the button below.
If you’re approved, you’ll want to know how long it takes to get your new car on finance. Click the button below to find out more.
We can’t guarantee that you’ll get approved for car finance. The process depends on many factors, which we explain in our blog.
You might have heard people say you can get car finance without a credit check, but this doesn’t exist. Find out more by clicking the button below.
Preparing your documents can avoid delays if you’ve not applied for car finance before. Find out more by clicking the button below.
If you’re approved, you’ll want to know how long it takes to get your new car on finance. Click the button below to find out more.
We can’t guarantee that you’ll get approved for car finance. The process depends on many factors, which we explain in our blog.
You might have heard people say you can get car finance without a credit check, but this doesn’t exist. Find out more by clicking the button below.
With so many options, finding the right car might be stressful. But not to worry! We’ve written some guides to each of the most popular brands we can finance.
Before applying for any kind of car finance, it’s important to understand how it works. Find out how our application process works by clicking the button below.
If you’re receiving benefits, you might wonder if this stops you from getting car finance. This isn’t the case. Find out which benefits we accept by clicking the below button.
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)
Representative example: Total amount of credit £8848. Repayable over 56 months, 55 monthly payments of £282.41. Representative 30.7% APR (fixed). Deposit of £786.30. Total charge for credit £6684.55. Total amount payable £16,318.85. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.