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20.26169l-.799928-2.463625-5.755033 4.153914z"> </path> </svg> <img width="162" height="30" class="tp-rating-bar" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20162%2030'%3E%3C/svg%3E" title="4.4 out of five star rating on Trustpilot" alt="4.4 out of five star rating on Trustpilot" data-lazy-src="//images-static.trustpilot.com/api/stars/4.5/star.svg" /><noscript><img width="162" height="30" class="tp-rating-bar" src="//images-static.trustpilot.com/api/stars/4.5/star.svg" title="4.4 out of five star rating on Trustpilot" alt="4.4 out of five star rating on Trustpilot" /></noscript> <p class="tp-trust-score-count"> TrustScore <strong>4.4</strong> | <a target="_blank" href="https://uk.trustpilot.com/review/www.moneybarn.com"><span class="underline"><strong>14,158</strong> reviews</span></a> </p> </div> </div> </li> </ul> </li> </ul> </div> <div class="clearfix"></div> </div> <div class="default-page"> <div data-elementor-type="wp-page" data-elementor-id="23475" class="elementor elementor-23475" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-3b23203d elementor-section-height-min-height elementor-section-items-top elementor-hidden-mobile elementor-section-boxed elementor-section-height-default" data-id="3b23203d" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-33d4072c" data-id="33d4072c" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-background-overlay"></div> <div class="elementor-element elementor-element-34390324 elementor-widget elementor-widget-spacer" data-id="34390324" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.23.0 - 05-08-2024 */ .elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}</style> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> <div class="elementor-element elementor-element-51cf910f elementor-widget elementor-widget-heading" data-id="51cf910f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.23.0 - 05-08-2024 */ .elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}</style><h1 class="elementor-heading-title elementor-size-default">Moving you towards a brighter future</h1> </div> </div> <div class="elementor-element elementor-element-326ef9e2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="326ef9e2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.23.0 - 05-08-2024 */ .elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}</style> <p><span style="color: #ffffff;">Our <strong>vehicle finance</strong> has been designed to give you the support you need to live your life to the fullest </span><span style="color: #ffffff;">with APRs from 18.5% – 47.5%.</span></p> </div> </div> <div class="elementor-element elementor-element-4af35c27 elementor-widget elementor-widget-image" data-id="4af35c27" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.23.0 - 05-08-2024 */ .elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=".svg"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}</style> <img fetchpriority="high" decoding="async" width="700" height="300" src="https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide.png" class="attachment-large size-large wp-image-75712" alt="Jennifer Moneybarn Customer" srcset="https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide.png 700w, https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide-300x129.png 300w" sizes="(max-width: 700px) 100vw, 700px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-41c48afd" data-id="41c48afd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-50a642eb elementor-widget elementor-widget-calculator" data-id="50a642eb" data-element_type="widget" data-widget_type="calculator.default"> <div class="elementor-widget-container"> <script type="rocketlazyloadscript" data-rocket-type="module" crossorigin data-rocket-src="https://vehiclefinder.moneybarn.com/app_plugins/widgets/wordpress-calculator-widget/assets/wp-calculator-widget.js" data-rocket-defer defer></script> <link data-minify="1" rel="stylesheet" href="https://www.moneybarn.com/wp-content/cache/min/1/app_plugins/widgets/wordpress-calculator-widget/assets/wp-calculator-widget.css?ver=1732195290"> <div class=" moneybarn-wordpress-calculator-widget " data-background-color="" data-title-color="" data-title-size="" data-input-background-color="" data-free-text-hidden-with-deposit="true" data-free-text="" data-free-text-color="" data-free-text-size="" data-slider-minus-button-color="" data-slider-plus-button-color="" data-slider-thumb-color="" data-results-color="" data-right-title="How to access our finance" data-price-label="Purchase Price?" data-price-unit="£" data-price-slider-min="4000" data-price-slider-max="35000" data-price-slider-initial="10500" data-price-slider-steps="500" data-term-label="Repayment Term?" data-term-unit="Months" data-term-slider-min="36" data-term-slider-max="60" data-term-slider-initial="50" data-term-slider-steps="1" data-results-bottom-text="*Based on a minimum required deposit of £" data-apr-label="Your credit score is" data-credit-options='[{"text":"Poor","selected":false,"value":47.5,"deposit":400,"minPrice":4400,"maxPrice":15000},{"text":"Fair","selected":true,"value":30.7,"deposit":0,"minPrice":4000,"maxPrice":25000},{"text":"Good","selected":false,"value":21.6,"deposit":0,"minPrice":4000,"maxPrice":25000},{"text":"Excellent","selected":false,"value":18.5,"deposit":0,"minPrice":4000,"maxPrice":35000}]' data-results-loan-amount-label="Loan amount" data-results-monthly-label="Monthly payment" data-results-total-label="Total to repay" data-results-apr-label="Calculated APR" data-representative-text="Representative 30.7% APR" data-button-url-link="https://www.moneybarn.com/apply/" data-button-text="Find out more" data-icon-size="" data-input-label-color="" data-input-label-size="" data-input-font-size="" data-slider-color="" data-results-font-size="" data-results-bottom-text-color="" data-results-bottom-text-size="" data-representative-text-color="" data-representative-text-size="" data-left-title="" data-left-content="" > </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-134b0b36 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default" data-id="134b0b36" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77921632" data-id="77921632" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-32fc9b9f elementor-widget elementor-widget-heading" data-id="32fc9b9f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Moving you towards a brighter future</h1> </div> </div> <div class="elementor-element elementor-element-317e6f96 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor" data-id="317e6f96" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p style="text-align: center;"><span style="color: #ffffff;">Our vehicle finance has been designed to give you the support you need to live your life to the fullest<span style="font-size: 1rem;"> </span><span style="font-size: 1rem; text-align: left;">with APRs from </span><span style="font-size: 1rem;">18.5% – 47.5%.</span></span></p> </div> </div> <div class="elementor-element elementor-element-6a9cb993 elementor-widget elementor-widget-image" data-id="6a9cb993" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="700" height="300" src="https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide.png" class="attachment-large size-large wp-image-75712" alt="Jennifer Moneybarn Customer" srcset="https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide.png 700w, https://www.moneybarn.com/wp-content/uploads/2024/09/Jennifer_Moneybarn-Customer-since-2023_wide-300x129.png 300w" sizes="(max-width: 700px) 100vw, 700px" /> </div> </div> <div class="elementor-element elementor-element-1fa47992 elementor-align-center elementor-widget elementor-widget-button" data-id="1fa47992" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-md" href="https://www.moneybarn.com/apply/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Find out more</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-4505c254 elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="4505c254" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7979b35d" data-id="7979b35d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-34980ff6 elementor-widget elementor-widget-spacer" data-id="34980ff6" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-27acb0d4 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="27acb0d4" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-216d6a4d" data-id="216d6a4d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-310a155f elementor-widget elementor-widget-mb_trustpilot" data-id="310a155f" data-element_type="widget" data-widget_type="mb_trustpilot.default"> <div class="elementor-widget-container"> <div class="tp-widget"> <div class="tp-overall"> <div> <h4 class="tp-trust-score">Excellent</h4> <img decoding="async" width="162" height="30" class="tp-rating-bar" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/4.5-star.svg" title="4.4 out of five star rating on Trustpilot" alt="4.4 out of five star rating on Trustpilot" /> <p class="tp-trust-score-count"> Based on <a target="_blank" href="https://uk.trustpilot.com/review/www.moneybarn.com"><span class="underline">14,158 reviews</span></a> </p> </div> <svg class="tp-trust-pilot-logo" role="img" aria-labelledby="trustpilotLogo-lvfjfvjqo2n" viewBox="0 0 126 31" xmlns="http://www.w3.org/2000/svg"> <title id="trustpilotLogo-lvfjfvjqo2n">Trustpilot</title> <path class="tp-logo__text" d="M33.074774 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0h2.377562V16.9253h.04444c.355523-.662858.844368-1.12686 1.477644-1.414098.633276-.287239 1.310992-.430858 2.055369-.430858.899918 0 1.677625.154667 2.344231.475048.666606.309335 1.222111.740193 1.666515 1.292575.444405.552382.766597 1.193145.9888 1.92229.222202.729145.333303 1.513527.333303 2.3421 0 .762288-.099991 1.50248-.299973 2.20953-.199982.718096-.499955 1.347812-.899918 1.900194-.399964.552383-.911029.98324-1.533194 1.31467-.622166.33143-1.344323.497144-2.18869.497144-.366634 0-.733267-.033143-1.0999-.099429-.366634-.066286-.722157-.176762-1.05546-.320381-.333303-.14362-.655496-.33143-.933249-.56343-.288863-.232-.522175-.497144-.722157-.79543h-.04444v5.656393h-2.510883V15.38968zm8.77698 5.67849c0-.508193-.06666-1.005337-.199981-1.491433-.133321-.486096-.333303-.905907-.599946-1.281527-.266642-.37562-.599945-.673906-.988799-.894859-.399963-.220953-.855478-.342477-1.366542-.342477-1.05546 0-1.855387.364572-2.388672 1.093717-.533285.729144-.799928 1.701337-.799928 2.916578 0 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1.237336.488844.530287.866588 1.160003 1.12212 1.889148.255532.729144.388854 1.524575.388854 2.38629 0 .872765-.133322 1.679243-.388854 2.408387-.255532.729145-.633276 1.35886-1.12212 1.889147-.488845.530287-1.0999.93905-1.810947 1.237337-.711046.298286-1.522084.452953-2.433112.452953zm0-1.977528c.555505 0 1.04435-.121524 1.455423-.353525.411074-.232.744377-.541335 1.01102-.916954.266642-.37562.455513-.806478.588835-1.281527.12221-.475049.188872-.961145.188872-1.45829 0-.486096-.066661-.961144-.188872-1.44724-.122211-.486097-.322193-.905907-.588836-1.281527-.266642-.37562-.599945-.673907-1.011019-.905907-.411074-.232-.899918-.353525-1.455423-.353525-.555505 0-1.04435.121524-1.455424.353525-.411073.232-.744376.541334-1.011019.905907-.266642.37562-.455514.79543-.588835 1.281526-.122211.486097-.188872.961145-.188872 1.447242 0 .497144.06666.98324.188872 1.458289.12221.475049.322193.905907.588835 1.281527.266643.37562.599946.684954 1.01102.916954.411073.243048.899918.353525 1.455423.353525zm6.4883-9.66669h1.899827v-3.402674h2.510883v3.402675h2.26646v1.867052h-2.26646v6.054109c0 .265143.01111.486096.03333.684954.02222.18781.07777.353524.155541.486096.077771.132572.199982.232.366634.298287.166651.066285.377743.099428.666606.099428.177762 0 .355523 0 .533285-.011047.177762-.011048.355523-.033143.533285-.077334v1.933338c-.277753.033143-.555505.055238-.811038.088381-.266642.033143-.533285.04419-.811037.04419-.666606 0-1.199891-.066285-1.599855-.18781-.399963-.121523-.722156-.309333-.944358-.552381-.233313-.243049-.377744-.541335-.466625-.905907-.07777-.364573-.133321-.784383-.144431-1.248384v-6.683825h-1.899827v-1.889147h-.02222z" fill="#191919"></path> <path class="tp-logo__star" fill="#00B67A" d="M30.141707 11.07005H18.63164L15.076408.177071l-3.566342 10.892977L0 11.059002l9.321376 6.739063-3.566343 10.88193 9.321375-6.728016 9.310266 6.728016-3.555233-10.88193 9.310266-6.728016z"> </path> <path class="tp-logo__star-notch" fill="#005128" d="M21.631369 20.26169l-.799928-2.463625-5.755033 4.153914z"></path> </svg> </div>  <div class="tp-reviews-wrapper"> <div class="tp-reviews"> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/674653734606f58087f9a290" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Absolutely fantastic service</h6> <p>Absolutely fantastic service & very helpful to find exactly the right ...</p> <p class="tp-review-author"> <span>Ross</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/6745c6185ac3850b48342b83" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Ease of use and prompt servi...</h6> <p>Ease of use and prompt service Friendly and professional</p> <p class="tp-review-author"> <span>ADRIAN</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/67454130f30a295b90796abb" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Very helpful efficient</h6> <p>Very helpful efficient </p> <p class="tp-review-author"> <span>Miss Linda Scorfield</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/67450113e54b0576fc08e108" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Good </h6> <p>Very understanding </p> <p class="tp-review-author"> <span>Wayne Bowes</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744c1a48664d9056aff9732" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Very good to deal with got t...</h6> <p>Very good to deal with got the money no problem and sent to the dealer...</p> <p class="tp-review-author"> <span>Daniel Petrie</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744bd2b216bedfef84cb77a" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>good service </h6> <p>Simple and straightforward </p> <p class="tp-review-author"> <span>Neill J Povey</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744b3d442fe9ef4c293d8c8" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Excellent service highly rec...</h6> <p>Excellent service highly recommended money barn</p> <p class="tp-review-author"> <span>Mark Gaffney</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744b26e96474caafa0f2591" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Great guys nothing to much t...</h6> <p>Great guys nothing to much trouble highly recommended </p> <p class="tp-review-author"> <span>Stephen Richardson</span>, 3 days ago </p> </div> </a> </div> </div> <p class="tp-showing-reviews-count">Showing our 4 & 5 star reviews</p> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-3bcf9d4d elementor-hidden-tablet elementor-section-full_width elementor-hidden-desktop elementor-section-height-default elementor-section-height-default" data-id="3bcf9d4d" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d1903f9" data-id="2d1903f9" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1c1c9476 elementor-widget elementor-widget-mb_trustpilot" data-id="1c1c9476" data-element_type="widget" data-widget_type="mb_trustpilot.default"> <div class="elementor-widget-container"> <div class="tp-widget"> <div class="tp-overall"> <div> <h4 class="tp-trust-score">Excellent</h4> <img decoding="async" width="162" height="30" class="tp-rating-bar" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/4.5-star.svg" title="4.4 out of five star rating on Trustpilot" alt="4.4 out of five star rating on Trustpilot" /> <p class="tp-trust-score-count"> Based on <a target="_blank" href="https://uk.trustpilot.com/review/www.moneybarn.com"><span class="underline">14,158 reviews</span></a> </p> </div> <svg class="tp-trust-pilot-logo" role="img" aria-labelledby="trustpilotLogo-lvfjfvjqo2n" viewBox="0 0 126 31" xmlns="http://www.w3.org/2000/svg"> <title id="trustpilotLogo-lvfjfvjqo2n">Trustpilot</title> <path class="tp-logo__text" d="M33.074774 11.07005H45.81806v2.364196h-5.010656v13.290316h-2.755306V13.434246h-4.988435V11.07005h.01111zm12.198892 4.319629h2.355341v2.187433h.04444c.077771-.309334.222203-.60762.433295-.894859.211092-.287239.466624-.56343.766597-.79543.299972-.243048.633276-.430858.999909-.585525.366633-.14362.744377-.220953 1.12212-.220953.288863 0 .499955.011047.611056.022095.1111.011048.222202.033143.344413.04419v2.408387c-.177762-.033143-.355523-.055238-.544395-.077333-.188872-.022096-.366633-.033143-.544395-.033143-.422184 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1.455423.353525zm6.4883-9.66669h1.899827v-3.402674h2.510883v3.402675h2.26646v1.867052h-2.26646v6.054109c0 .265143.01111.486096.03333.684954.02222.18781.07777.353524.155541.486096.077771.132572.199982.232.366634.298287.166651.066285.377743.099428.666606.099428.177762 0 .355523 0 .533285-.011047.177762-.011048.355523-.033143.533285-.077334v1.933338c-.277753.033143-.555505.055238-.811038.088381-.266642.033143-.533285.04419-.811037.04419-.666606 0-1.199891-.066285-1.599855-.18781-.399963-.121523-.722156-.309333-.944358-.552381-.233313-.243049-.377744-.541335-.466625-.905907-.07777-.364573-.133321-.784383-.144431-1.248384v-6.683825h-1.899827v-1.889147h-.02222z" fill="#191919"></path> <path class="tp-logo__star" fill="#00B67A" d="M30.141707 11.07005H18.63164L15.076408.177071l-3.566342 10.892977L0 11.059002l9.321376 6.739063-3.566343 10.88193 9.321375-6.728016 9.310266 6.728016-3.555233-10.88193 9.310266-6.728016z"> </path> <path class="tp-logo__star-notch" fill="#005128" d="M21.631369 20.26169l-.799928-2.463625-5.755033 4.153914z"></path> </svg> </div>  <div class="tp-reviews-wrapper"> <div class="tp-reviews"> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/674653734606f58087f9a290" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Absolutely fantastic service</h6> <p>Absolutely fantastic service & very helpful to find exactly the right ...</p> <p class="tp-review-author"> <span>Ross</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/6745c6185ac3850b48342b83" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Ease of use and prompt servi...</h6> <p>Ease of use and prompt service Friendly and professional</p> <p class="tp-review-author"> <span>ADRIAN</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/67454130f30a295b90796abb" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Very helpful efficient</h6> <p>Very helpful efficient </p> <p class="tp-review-author"> <span>Miss Linda Scorfield</span>, 2 days ago </p> </div> </a> </div> <div class="tp-review "> <a href="https://uk.trustpilot.com/reviews/67450113e54b0576fc08e108" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Good </h6> <p>Very understanding </p> <p class="tp-review-author"> <span>Wayne Bowes</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744c1a48664d9056aff9732" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Very good to deal with got t...</h6> <p>Very good to deal with got the money no problem and sent to the dealer...</p> <p class="tp-review-author"> <span>Daniel Petrie</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744bd2b216bedfef84cb77a" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>good service </h6> <p>Simple and straightforward </p> <p class="tp-review-author"> <span>Neill J Povey</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744b3d442fe9ef4c293d8c8" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Excellent service highly rec...</h6> <p>Excellent service highly recommended money barn</p> <p class="tp-review-author"> <span>Mark Gaffney</span>, 3 days ago </p> </div> </a> </div> <div class="tp-review hidden"> <a href="https://uk.trustpilot.com/reviews/6744b26e96474caafa0f2591" target="_blank"> <div class="tp-review-topbar"> <img decoding="async" width="92" height="18" src="https://www.moneybarn.com/wp-content/themes/moneybarn/assets/img/svgs/tp-stars/5-star.svg" title="5 out of five star rating on Trustpilot" alt="5 out of five star rating on Trustpilot"> <div class="tp-review-verified"> <svg class="verified-icon" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M7 14C10.866 14 14 10.866 14 7C14 3.13401 10.866 0 7 0C3.13401 0 0 3.13401 0 7C0 10.866 3.13401 14 7 14ZM6.09217 7.81401L9.20311 4.7031C9.44874 4.45757 9.84688 4.45757 10.0923 4.7031C10.338 4.94864 10.338 5.34673 10.0923 5.59226L6.62009 9.06448C6.59573 9.10283 6.56682 9.13912 6.53333 9.17256C6.28787 9.41821 5.88965 9.41821 5.64402 9.17256L3.7059 7.11031C3.46046 6.86464 3.46046 6.46669 3.7059 6.22102C3.95154 5.97548 4.34968 5.97548 4.59512 6.22102L6.09217 7.81401Z" fill="currentColor"></path> </svg> <p>Verified</p> </div> </div> <div class="tp-review-content"> <h6>Great guys nothing to much t...</h6> <p>Great guys nothing to much trouble highly recommended </p> <p class="tp-review-author"> <span>Stephen Richardson</span>, 3 days ago </p> </div> </a> </div> </div> <p class="tp-showing-reviews-count">Showing our 4 & 5 star reviews</p> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-53e121f4 elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="53e121f4" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b52d944" data-id="b52d944" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2dda78de elementor-widget elementor-widget-spacer" data-id="2dda78de" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-4d61357b elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default" data-id="4d61357b" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-345b5850" data-id="345b5850" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7be661b7 elementor-widget elementor-widget-calculator" data-id="7be661b7" data-element_type="widget" data-widget_type="calculator.default"> <div class="elementor-widget-container"> <script type="rocketlazyloadscript" data-rocket-type="module" crossorigin data-rocket-src="https://vehiclefinder.moneybarn.com/app_plugins/widgets/wordpress-calculator-widget/assets/wp-calculator-widget.js" data-rocket-defer defer></script> <link data-minify="1" rel="stylesheet" href="https://www.moneybarn.com/wp-content/cache/min/1/app_plugins/widgets/wordpress-calculator-widget/assets/wp-calculator-widget.css?ver=1732195290"> <div class=" moneybarn-wordpress-calculator-widget " data-background-color="" data-title-color="" data-title-size="" data-input-background-color="" data-free-text-hidden-with-deposit="true" data-free-text="" data-free-text-color="" data-free-text-size="" data-slider-minus-button-color="" data-slider-plus-button-color="" data-slider-thumb-color="" data-results-color="" data-right-title="How to access our finance" data-price-label="Purchase Price?" data-price-unit="£" data-price-slider-min="4000" data-price-slider-max="35000" data-price-slider-initial="10600" data-price-slider-steps="500" data-term-label="Repayment Term?" data-term-unit="Months" data-term-slider-min="36" data-term-slider-max="60" data-term-slider-initial="50" data-term-slider-steps="1" data-results-bottom-text="*Based on a minimum required deposit of £" data-apr-label="Your credit score is" data-credit-options='[{"text":"Poor","selected":false,"value":47.5,"deposit":400,"minPrice":4400,"maxPrice":15000},{"text":"Fair","selected":true,"value":30.7,"deposit":0,"minPrice":4000,"maxPrice":25000},{"text":"Good","selected":false,"value":21.6,"deposit":0,"minPrice":4000,"maxPrice":24998},{"text":"Excellent","selected":false,"value":18.5,"deposit":0,"minPrice":4000,"maxPrice":35000}]' data-results-loan-amount-label="Loan amount" data-results-monthly-label="Monthly payment" data-results-total-label="Total to repay" data-results-apr-label="Calculated APR" data-representative-text="Representative 30.7% APR" data-button-url-link="https://www.moneybarn.com/apply/" data-button-text="Find out more" data-icon-size="" data-input-label-color="" data-input-label-size="" data-input-font-size="" data-slider-color="" data-results-font-size="" data-results-bottom-text-color="" data-results-bottom-text-size="" data-representative-text-color="" data-representative-text-size="" data-left-title="" data-left-content="" > </div> </div> <div class="elementor-element elementor-element-4b6eb682 elementor-widget elementor-widget-spacer" data-id="4b6eb682" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-38abc42d elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="38abc42d" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f66d1c0" data-id="7f66d1c0" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-640e100c elementor-widget elementor-widget-heading" data-id="640e100c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default"><h2 data-elementor-setting-key="title" data-pen-placeholder="Type Here..." style="color: rgb(0, 131, 155); text-align: center;">How we can help</h2></h2> </div> </div> <div class="elementor-element elementor-element-2b7cfb52 elementor-widget elementor-widget-text-editor" data-id="2b7cfb52" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p style="text-align: center;"><span style="text-align: center;">A vehicle isn’t just to get you from A to B. It’s your lifestyle. Your freedom. Your future. </span></p><p style="text-align: center;"><span style="text-align: center;">Our <span style="color: #a61f7d;"><strong>Conditional Sale finance</strong></span> gets you where you want to be with APRs from 17.5% – 49.9%.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-4bbca85c elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4bbca85c" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4daab4f6" data-id="4daab4f6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-14011627 elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="14011627" data-element_type="widget" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <link rel="stylesheet" href="https://www.moneybarn.com/wp-content/plugins/elementor-pro/assets/css/widget-call-to-action.min.css"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/Black-car-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="Black-car.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Can finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> We'll walk you through the entire car finance process, and help spread the cost of your car with a <span style="font-weight: 700;">Conditional Sale </span>agreement. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/car-finance/"> Discover more about car finance </a> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4a8edca" data-id="4a8edca" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-87872ad elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="87872ad" data-element_type="widget" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/White-van-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="White-van.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Van finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> Finance gives you access to a van without having to pay a lump sum up front. We could help even if you’ve been refused elsewhere. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/van-finance/"> Discover more about van finance </a> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4176d123" data-id="4176d123" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2df9130 elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="2df9130" data-element_type="widget" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/Motorbike-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="Motorbike.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Motorbike finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> With our <b>Conditional Sale</b> agreement, once you have made your final payment, you will legally own the motorbike. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/motorbike-finance/"> Learn more about motorbike finance </a> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-18433268 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default" data-id="18433268" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d24792" data-id="6d24792" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-49b10bb6 elementor-widget elementor-widget-heading" data-id="49b10bb6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default"><h2 data-elementor-setting-key="title" data-pen-placeholder="Type Here..." style="color: rgb(0, 131, 155); text-align: center;">How we can help</h2></h2> </div> </div> <div class="elementor-element elementor-element-40b57cdc elementor-widget elementor-widget-text-editor" data-id="40b57cdc" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p style="text-align: center;"><span style="text-align: center;">A vehicle isn’t just to get you from A to B. It’s your lifestyle. Your freedom. Your future. </span></p><p style="text-align: center;"><span style="text-align: center;">Our <span style="color: #a61f7d;"><strong>Conditional Sale finance</strong></span> gets you where you want to be with APRs from 17.5% – 49.9%.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-48af0d6b elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="48af0d6b" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-bdcbc9f" data-id="bdcbc9f" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-6d6e7304 elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="6d6e7304" data-element_type="widget" data-settings="{"_animation":"none"}" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/Black-car-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="Black-car.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Car finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> We'll walk you through the entire car finance process, and help spread the cost of your car with a <b>Conditional Sale </b>agreement. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/car-finance/"> Learn more about car finance </a> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4eff573d" data-id="4eff573d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-35c78c7a elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="35c78c7a" data-element_type="widget" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/White-van-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="White-van.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Van finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> Finance gives you access to a van without having to pay a lump sum up front. We could help even if you’ve been refused elsewhere. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/van-finance/"> Discover more about van finance </a> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2e9678f" data-id="2e9678f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2e0c85e2 elementor-cta--skin-classic elementor-animated-content elementor-widget elementor-widget-call-to-action" data-id="2e0c85e2" data-element_type="widget" data-widget_type="call-to-action.default"> <div class="elementor-widget-container"> <div class="elementor-cta"> <div class="elementor-cta__bg-wrapper"> <div data-bg="https://www.moneybarn.com/wp-content/uploads/2024/09/Motorbike-1-1024x538.jpg" class="elementor-cta__bg elementor-bg rocket-lazyload" style="" role="img" aria-label="Motorbike.jpg"></div> <div class="elementor-cta__bg-overlay"></div> </div> <div class="elementor-cta__content"> <h2 class="elementor-cta__title elementor-cta__content-item elementor-content-item"> Motorbike finance </h2> <div class="elementor-cta__description elementor-cta__content-item elementor-content-item"> With our <b>Conditional Sale</b> agreement, once you have made your final payment, you will legally own the motorbike. </div> <div class="elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item "> <a class="elementor-cta__button elementor-button elementor-size-" href="https://www.moneybarn.com/motorbike-finance/"> Learn more about motorbike finance </a> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-3f32918 elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="3f32918" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcbffde" data-id="dcbffde" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a147b88 elementor-widget elementor-widget-spacer" data-id="a147b88" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-165a21 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="165a21" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76fe36bc" data-id="76fe36bc" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3f7e947d elementor-widget elementor-widget-heading" data-id="3f7e947d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">We've helped nearly</h3> </div> </div> <div class="elementor-element elementor-element-600946ba elementor-widget elementor-widget-text-editor" data-id="600946ba" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h1 style="text-align: center;"><span style="color: #ffffff;">400,000 CUSTOMERS</span></h1> </div> </div> <div class="elementor-element elementor-element-52cdb00d elementor-widget elementor-widget-heading" data-id="52cdb00d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default">gain access to vehicle finance when others wouldn't!</h5> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-ac3abbe elementor-hidden-desktop elementor-hidden-tablet elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="ac3abbe" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26aa6855" data-id="26aa6855" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7d86297d elementor-widget elementor-widget-heading" data-id="7d86297d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">We've helped nearly</p> </div> </div> <div class="elementor-element elementor-element-6bccd0e4 elementor-widget elementor-widget-heading" data-id="6bccd0e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">400,000 CUSTOMERS</p> </div> </div> <div class="elementor-element elementor-element-2bffaa15 elementor-widget elementor-widget-heading" data-id="2bffaa15" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">gain access to vehicle finance when others wouldn't!</p> </div> </div> <div class="elementor-element elementor-element-321d8dc3 elementor-widget elementor-widget-spacer" data-id="321d8dc3" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-df3f8a5 elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="df3f8a5" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e99dda2" data-id="e99dda2" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a791152 elementor-widget elementor-widget-spacer" data-id="a791152" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-3da7ebb3 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="3da7ebb3" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-360bc72b" data-id="360bc72b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-b6cc3a7 elementor-widget elementor-widget-heading" data-id="b6cc3a7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Frequently asked questions</h2> </div> </div> <div class="elementor-element elementor-element-21c2349a elementor-widget elementor-widget-text-editor" data-id="21c2349a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="color: #ffffff;">Taking out a vehicle finance agreement is a big commitment and can seem complex. Here are the answers to the questions that our team gets asked most regularly:</span></p> </div> </div> <div class="elementor-element elementor-element-27ec026e elementor-align-left elementor-widget elementor-widget-button" data-id="27ec026e" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-md" href="https://www.moneybarn.com/how-it-works/faqs/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Take me to the FAQs</span> </span> </a> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75ed8a1e" data-id="75ed8a1e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5917dbf2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="5917dbf2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="text-decoration: underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/financial-difficulties/how-can-i-end-my-finance-agreement/"><span style="color: #ffffff; text-decoration: underline;">How can I end my finance agreement? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-5fda7fc2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="5fda7fc2" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.23.0 - 05-08-2024 */ 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underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/contacting-us/how-do-i-register-for-your-customer-portal/"><span style="color: #ffffff; text-decoration: underline;">How</span><span style="color: #ffffff; text-decoration: underline;"> do I register for your portal? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-2555c5bc elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="2555c5bc" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-75eee9e2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="75eee9e2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="text-decoration: underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/the-application-process/your-application/does-moneybarn-pay-commission"><span style="color: #ffffff; text-decoration: underline;">Does Moneybarn pay commission? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-68491892 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="68491892" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-e8da3b3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="e8da3b3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/financial-difficulties/support-available-for-financial-difficulties/" data-wplink-edit="true"><span style="text-decoration: underline; color: #ffffff;">What support is available if I’m experiencing financial difficulties? ></span></a></p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-625f19a9 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default" data-id="625f19a9" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2da35490" data-id="2da35490" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-615f5995 elementor-widget elementor-widget-heading" data-id="615f5995" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Frequently asked questions</h2> </div> </div> <div class="elementor-element elementor-element-b5e1344 elementor-widget elementor-widget-text-editor" data-id="b5e1344" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="color: #ffffff;">Taking out a vehicle finance agreement is a big commitment and can seem complex. Here are the answers to the questions that our team gets asked most regularly:</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-72eba66c" data-id="72eba66c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2581a9d0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="2581a9d0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="text-decoration: underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/financial-difficulties/how-can-i-end-my-finance-agreement/"><span style="color: #ffffff; text-decoration: underline;">How can I end my finance agreement? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-675aba35 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="675aba35" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-4174e180 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="4174e180" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="text-decoration: underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/contacting-us/how-do-i-register-for-your-customer-portal/"><span style="color: #ffffff; text-decoration: underline;">How</span><span style="color: #ffffff; text-decoration: underline;"> do I register for your portal? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-2cb8239a elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="2cb8239a" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-64654768 elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="64654768" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="text-decoration: underline;"><a href="https://www.moneybarn.com/how-it-works/faqs/the-application-process/your-application/does-moneybarn-pay-commission"><span style="color: #ffffff; text-decoration: underline;">Does Moneybarn pay commission? <b>></b></span></a></span></p> </div> </div> <div class="elementor-element elementor-element-1069ce53 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="1069ce53" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-5a3f225f elementor-widget__width-initial elementor-widget elementor-widget-text-editor" data-id="5a3f225f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><a href="https://www.moneybarn.com/how-it-works/faqs/existing-customers/financial-difficulties/support-available-for-financial-difficulties/"><span style="text-decoration: underline; color: #ffffff;">What support is available if I’m experiencing financial difficulties? ></span></a></p> </div> </div> <div class="elementor-element elementor-element-3b017209 elementor-align-left elementor-widget elementor-widget-button" data-id="3b017209" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-md" href="https://www.moneybarn.com/how-it-works/faqs/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Take me to the FAQs</span> </span> </a> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-6e6729ce elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="6e6729ce" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30ff73ca" data-id="30ff73ca" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-623cef3f elementor-widget elementor-widget-spacer" data-id="623cef3f" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </section> </div> </div> <div class="full left pad-20 footer "> <div class="container footer-about"> <div class="two-thirds inline valign-top teal"> <h4 class="h2 teal">For a better road ahead</h4> <div class=" teal"><p>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.</p> <p>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.</p> <p>Moneybarn’s VAT registration number is 180 5559 52.</p> <p>Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)</p> <p>Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)</p> </div> </div> <div class="third inline valign-top align-right footer-acreditations"> <div class="inline"> <img class="award-images b-lazy" data-src="https://www.moneybarn.com/wp-content/uploads/2024/01/MF23-Sub-Prime-Lender-of-the-year.png" alt="Sub prime lender of the year award" width="75" height="94"> </div> <div class="inline"> <img class="award-images b-lazy" data-src="https://www.moneybarn.com/wp-content/uploads/2024/01/National-Credit-Awards2023-winner.jpg" alt="National Credit Awards Winner 2023" width="75" height="94"> </div> <div class="inline"> 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1.6 4.2 4 4.2zm-3.5 2.6v25.3h8.1V38.4h-8.1z"/> <path class="linkedin2" d="M56.4 38c-4.5 0-6.5 2.4-7.6 4v.1h-.1s0-.1.1-.1v-3.5h-8.7c.1 2.3 0 25.1 0 25.1h8.7V50.1c0-.7.1-1.5.3-2 .6-1.5 2-3 4.3-3 3 0 4 2.2 4 5.5v13.1h8.4v-14c0-7.5-3.9-11.7-9.4-11.7z"/> </svg> </a> </li> </ul> </div> </div> <div class="full sticky-bar-fixed bg-white " id="sticky-bar" > <div class="container pad-10 wysiwyg relative"> <div class="sticky-toggle js-sticky-toggle"> <svg enable-background="new 0 0 24 24" height="24px" id="Layer_1" version="1.1" viewBox="0 0 24 24" width="24px" xml:space="preserve" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <path d="M22.245,4.015c0.313,0.313,0.313,0.826,0,1.139l-6.276,6.27c-0.313,0.312-0.313,0.826,0,1.14l6.273,6.272 c0.313,0.313,0.313,0.826,0,1.14l-2.285,2.277c-0.314,0.312-0.828,0.312-1.142,0l-6.271-6.271c-0.313-0.313-0.828-0.313-1.141,0 l-6.276,6.267c-0.313,0.313-0.828,0.313-1.141,0l-2.282-2.28c-0.313-0.313-0.313-0.826,0-1.14l6.278-6.269 c0.313-0.312,0.313-0.826,0-1.14L1.709,5.147c-0.314-0.313-0.314-0.827,0-1.14l2.284-2.278C4.308,1.417,4.821,1.417,5.135,1.73 L11.405,8c0.314,0.314,0.828,0.314,1.141,0.001l6.276-6.267c0.312-0.312,0.826-0.312,1.141,0L22.245,4.015z"/> </svg> </div> <div class="sticky-bar-inner margin-0 "> <p><strong>Representative example: Total amount of credit £8848. Repayable over 56 months, 55 monthly payments of £282.41</strong><strong>. 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.</strong></p> </div> </div> </div> </div> <script type="rocketlazyloadscript" data-rocket-type='text/javascript'> const lazyloadRunObserver = () => { const lazyloadBackgrounds = document.querySelectorAll( `.e-con.e-parent:not(.e-lazyloaded)` ); const lazyloadBackgroundObserver = new IntersectionObserver( ( entries ) => { entries.forEach( ( entry ) => { if ( entry.isIntersecting ) { let lazyloadBackground = entry.target; if( lazyloadBackground ) { lazyloadBackground.classList.add( 'e-lazyloaded' ); } lazyloadBackgroundObserver.unobserve( entry.target ); } }); }, { rootMargin: '200px 0px 200px 0px' } ); lazyloadBackgrounds.forEach( ( lazyloadBackground ) => { lazyloadBackgroundObserver.observe( lazyloadBackground ); } ); }; const events = [ 'DOMContentLoaded', 'elementor/lazyload/observe', ]; events.forEach( ( event ) => { document.addEventListener( event, lazyloadRunObserver ); } ); </script> <script type="rocketlazyloadscript" data-rocket-type="text/javascript" id="rocket-browser-checker-js-after"> /* <![CDATA[ */ "use strict";var _createClass=function(){function defineProperties(target,props){for(var i=0;i<props.length;i++){var descriptor=props[i];descriptor.enumerable=descriptor.enumerable||!1,descriptor.configurable=!0,"value"in descriptor&&(descriptor.writable=!0),Object.defineProperty(target,descriptor.key,descriptor)}}return function(Constructor,protoProps,staticProps){return protoProps&&defineProperties(Constructor.prototype,protoProps),staticProps&&defineProperties(Constructor,staticProps),Constructor}}();function _classCallCheck(instance,Constructor){if(!(instance instanceof Constructor))throw new TypeError("Cannot call a class as a function")}var RocketBrowserCompatibilityChecker=function(){function RocketBrowserCompatibilityChecker(options){_classCallCheck(this,RocketBrowserCompatibilityChecker),this.passiveSupported=!1,this._checkPassiveOption(this),this.options=!!this.passiveSupported&&options}return _createClass(RocketBrowserCompatibilityChecker,[{key:"_checkPassiveOption",value:function(self){try{var options={get passive(){return!(self.passiveSupported=!0)}};window.addEventListener("test",null,options),window.removeEventListener("test",null,options)}catch(err){self.passiveSupported=!1}}},{key:"initRequestIdleCallback",value:function(){!1 in window&&(window.requestIdleCallback=function(cb){var start=Date.now();return setTimeout(function(){cb({didTimeout:!1,timeRemaining:function(){return Math.max(0,50-(Date.now()-start))}})},1)}),!1 in window&&(window.cancelIdleCallback=function(id){return clearTimeout(id)})}},{key:"isDataSaverModeOn",value:function(){return"connection"in navigator&&!0===navigator.connection.saveData}},{key:"supportsLinkPrefetch",value:function(){var elem=document.createElement("link");return elem.relList&&elem.relList.supports&&elem.relList.supports("prefetch")&&window.IntersectionObserver&&"isIntersecting"in IntersectionObserverEntry.prototype}},{key:"isSlowConnection",value:function(){return"connection"in navigator&&"effectiveType"in navigator.connection&&("2g"===navigator.connection.effectiveType||"slow-2g"===navigator.connection.effectiveType)}}]),RocketBrowserCompatibilityChecker}(); 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var faqData = {"faqs":[{"id":47867,"content":"Thinking of ending your Conditional Sale (CS) finance agreement? Read on as we look into the three options that could be suitable for you, so you can decide on the best way to proceed.\r\n<h2>Which option is best?<\/h2>\r\nWe can\u2019t give you advice on the best option, but we can work through all of your options over the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">phone<\/a>. This includes giving you an estimate of the amount you\u2019ll owe us, so you can weigh up which one works best for you.\r\n\r\nIf you don\u2019t make your payments and your arrears increase to an unsustainable level, we may need to send you a Default Notice and end the agreement. This may be the most expensive route so if you need to end the agreement, please consider the following options:\r\n\r\nThinking of ending your\u00a0Conditional Sale (CS)\u00a0finance agreement? Read on as we look into the three options that could be suitable for you, so you can decide on the best way to proceed.\r\n<h2>Which option is best?<\/h2>\r\nWe can\u2019t give you advice on the best option, but we can work through all of your options over the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">phone<\/a>. This includes giving you an estimate of the amount you\u2019ll owe us, so you can weigh up which one works best for you.\r\n\r\nIf you don\u2019t make your payments and your arrears increase to an unsustainable level, we may need to send you a Default Notice and end the agreement. This may be the most expensive route so if you need to end the agreement, please consider the following options:\r\n\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\r\n<h2>Your options<\/h2>\r\n<h2>Your options<\/h2>\r\n<h3>1. Voluntary Termination<\/h3>\r\n<h3>1. Voluntary Termination<\/h3>\r\nAt any point during the term of your CS finance agreement with us, it is your statutory right to give us written or verbal notice that you want to return the vehicle and end the agreement. This is called \u2018<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">Voluntary Termination<\/a>\u2019. This means you\u2019ll only need to pay half of the original agreement amount, plus any outstanding payments (inclusive of any previously agreed payment breaks or payment holidays) and charges. This is otherwise known as the \u2018Half Rule\u2019.\r\n\r\nWe will need to collect the vehicle from you including the keys and important documents. We\u2019ll then agree a date, time, and place that suits you, and we\u2019ll collect it free of charge.\r\n\r\nWe\u2019ll inspect the vehicle to check it is in good condition based on its age and the mileage. If we need to repair the vehicle, we may need to add <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/why-you-may-owe-us-after-handing-back-a-vehicle\/\">additional charges<\/a> to your account for the repair work or loss of value.\r\n\r\nThe amount you are required to pay under voluntary termination is set out in your contract, plus any outstanding payments or charges as mentioned above. We\u2019ll then agree an affordable, sustainable payment plan with you to clear the outstanding balance (if applicable).\r\n<h3>What is the process for this option?<\/h3>\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\r\n\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search.jpg\" sizes=\"(max-width: 500px) 100vw, 500px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search.jpg 500w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search-300x200.jpg 300w\" alt=\"A couple reading letters\" width=\"500\" height=\"334\" \/>\r\n\r\nAt any point during the term of your CS finance agreement with us, it is your statutory right to give us written or verbal notice that you want to return the vehicle and end the agreement. This is called \u2018<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">Voluntary Termination<\/a>\u2019. This means you\u2019ll only need to pay half of the original agreement amount, plus any outstanding payments (inclusive of any previously agreed payment breaks or payment holidays) and charges. This is otherwise known as the \u2018Half Rule\u2019.\r\n\r\nWe will need to collect the vehicle from you including the keys and important documents. We\u2019ll then agree a date, time, and place that suits you, and we\u2019ll collect it free of charge.\r\n\r\nWe\u2019ll inspect the vehicle to check it is in good condition based on its age and the mileage. If we need to repair the vehicle, we may need to add <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/why-you-may-owe-us-after-handing-back-a-vehicle\/\">additional charges<\/a> to your account for the repair work or loss of value.\r\n\r\nThe amount you are required to pay under voluntary termination is set out in your contract, plus any outstanding payments or charges as mentioned above. We\u2019ll then agree an affordable, sustainable payment plan with you to clear the outstanding balance (if applicable).\r\n<h3>What is the process for this option?<\/h3>\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search.jpg\" sizes=\"(max-width: 500px) 100vw, 500px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search.jpg 500w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/07\/Hard_vs_Soft_search-300x200.jpg 300w\" alt=\"A couple reading letters\" width=\"500\" height=\"334\" \/>\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n\r\nYou inform us you want to return the vehicle and end the agreement \u2013 this can be done in writing or verbally over a telephone call with our Contact Centre Agents\r\n\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n\r\nWe arrange to collect the vehicle free of charge\r\n\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n\r\nWe\u2019ll confirm how much you owe us\r\n\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n\r\nWe\u2019ll agree an affordable payment plan to clear any outstanding amount you owe\r\n\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n\r\nYou inform us you want to return the vehicle and end the agreement \u2013 this can be done in writing or verbally over a telephone call with our Contact Centre Agents\r\n\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n\r\nWe arrange to collect the vehicle free of charge\r\n\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n\r\nWe\u2019ll confirm how much you owe us\r\n\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n\r\nWe\u2019ll agree an affordable payment plan to clear any outstanding amount you owe\r\n<h3>2. Handback option<\/h3>\r\n<h3>2. Handback option<\/h3>\r\nWith this option, you agree <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-give-your-car-back-to-the-finance-company\/\">to hand back the vehicle<\/a> to us so we can sell it. The sale proceeds will be applied to the CS agreement to reduce the final outstanding balance.\r\n\r\nWe will need to collect the vehicle from you, including the keys and important documents. We\u2019ll then agree a date, time and place that suits you, and we\u2019ll collect it free of charge.\r\n\r\nWe\u2019ll inspect the vehicle to check that it is in a good condition based on its age and the mileage. If we need to repair the vehicle, we may need to add <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/why-you-may-owe-us-after-handing-back-a-vehicle\/\">additional charges<\/a> to your account for the repair work or loss of value.\r\n\r\nWe\u2019ll sell the vehicle and deduct the sale value from the total original agreement amount.\r\n\r\nIf there is an outstanding balance, we\u2019ll provide you with an early settlement amount. If you can pay this within the timescales provided, you\u2019ll clear the agreement, otherwise we\u2019ll agree an affordable, sustainable payment plan with you to clear the full remaining balance.\r\n<h3>What is the process for this option?<\/h3>\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-1024x683.jpg\" sizes=\"(max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-1024x683.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-300x200.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-768x512.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized.jpg 1200w\" alt=\"handing over car keys\" width=\"1024\" height=\"683\" \/>\r\n\r\nWith this option, you agree <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-give-your-car-back-to-the-finance-company\/\">to hand back the vehicle<\/a> to us so we can sell it. The sale proceeds will be applied to the CS agreement to reduce the final outstanding balance.\r\n\r\nWe will need to collect the vehicle from you, including the keys and important documents. We\u2019ll then agree a date, time and place that suits you, and we\u2019ll collect it free of charge.\r\n\r\nWe\u2019ll inspect the vehicle to check that it is in a good condition based on its age and the mileage. If we need to repair the vehicle, we may need to add <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/why-you-may-owe-us-after-handing-back-a-vehicle\/\">additional charges<\/a> to your account for the repair work or loss of value.\r\n\r\nWe\u2019ll sell the vehicle and deduct the sale value from the total original agreement amount.\r\n\r\nIf there is an outstanding balance, we\u2019ll provide you with an early settlement amount. If you can pay this within the timescales provided, you\u2019ll clear the agreement, otherwise we\u2019ll agree an affordable, sustainable payment plan with you to clear the full remaining balance.\r\n<h3>What is the process for this option?<\/h3>\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-1024x683.jpg\" sizes=\"(max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-1024x683.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-300x200.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized-768x512.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/handing-over-car-keys-resized.jpg 1200w\" alt=\"handing over car keys\" width=\"1024\" height=\"683\" \/>\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n<p style=\"text-align: center;\">We arrange with you to collect the vehicle free of charge<\/p>\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n<p style=\"text-align: center;\">We sell the vehicle and deduct the sale value from the total original agreement amount (minus any repair charges, if applicable)<\/p>\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n<p style=\"text-align: center;\">We\u2019ll confirm how much you owe us<\/p>\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n<p style=\"text-align: center;\">You pay the settlement amount, or we\u2019ll agree an affordable payment plan to clear any outstanding amount you owe<\/p>\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n<p style=\"text-align: center;\">We arrange with you to collect the vehicle free of charge<\/p>\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n<p style=\"text-align: center;\">We sell the vehicle and deduct the sale value from the total original agreement amount (minus any repair charges, if applicable)<\/p>\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n<p style=\"text-align: center;\">We\u2019ll confirm how much you owe us<\/p>\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n<p style=\"text-align: center;\">You pay the settlement amount, or we\u2019ll agree an affordable payment plan to clear any outstanding amount you owe<\/p>\r\n\r\n<h3>3. Early settlement<\/h3>\r\n<h3>3. Early settlement<\/h3>\r\nAt any point during the CS agreement, you can ask us to provide an \u2018<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">Early Settlement Figure<\/a>\u2019 (ESF). This is the amount you would need to pay us to fully settle the agreement. The ESF will include a rebate of interest, which is future interest you\u2019ll no longer have to pay, but will also include any outstanding payments (including payment breaks or payment holidays) plus 1 month and 28 days interest charged for settling the agreement early.\r\n\r\nWhen we give you an Early Settlement Figure it is valid for 28 days. If you pay the full settlement amount by the date provided, we will end the agreement and transfer legal ownership of the vehicle to you*.\r\n\r\n<i>*As part of the Early Settlement process, <strong>we might agree<\/strong><b>\u00a0<\/b>you can sell the vehicle privately to a reputable dealer, to raise funds towards your Early Settlement Figure. However, if there is a shortfall between the amount you sell for and the full Early Settlement Figure, you will need to cover that, so we still receive the total settlement amount.<\/i>\r\n<h3>What is the process for this option?<\/h3>\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-1024x683.jpg\" sizes=\"(max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-1024x683.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-300x200.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-768x512.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized.jpg 1200w\" alt=\"Person checking paperwork\" width=\"1024\" height=\"683\" \/>\r\n\r\nAt any point during the CS agreement, you can ask us to provide an \u2018<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">Early Settlement Figure<\/a>\u2019 (ESF). This is the amount you would need to pay us to fully settle the agreement. The ESF will include a rebate of interest, which is future interest you\u2019ll no longer have to pay, but will also include any outstanding payments (including payment breaks or payment holidays) plus 1 month and 28 days interest charged for settling the agreement early.\r\n\r\nWhen we give you an Early Settlement Figure it is valid for 28 days. If you pay the full settlement amount by the date provided, we will end the agreement and transfer legal ownership of the vehicle to you*.\r\n\r\n<i>*As part of the Early Settlement process, <strong>we might agree<\/strong><b>\u00a0<\/b>you can sell the vehicle privately to a reputable dealer, to raise funds towards your Early Settlement Figure. However, if there is a shortfall between the amount you sell for and the full Early Settlement Figure, you will need to cover that, so we still receive the total settlement amount.<\/i>\r\n<h3>What is the process for this option?<\/h3>\r\n<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-1024x683.jpg\" sizes=\"(max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-1024x683.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-300x200.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized-768x512.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2023\/02\/person-checking-paperwork-resized.jpg 1200w\" alt=\"Person checking paperwork\" width=\"1024\" height=\"683\" \/>\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n<p style=\"text-align: center;\">Contact us to ask for an early settlement figure<\/p>\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n<p style=\"text-align: center;\">We\u2019ll send you an ESF, the expiry date and instructions for payment<\/p>\r\n<p style=\"text-align: center;\"><b>\u00a0<\/b><\/p>\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n<p style=\"text-align: center;\">Make payment by the settlement expiry date<\/p>\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n<p style=\"text-align: center;\">You become the legal owner of the vehicle and your agreement with us ends<\/p>\r\n<img title=\"Number 1\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83wartb8tx80a979k4o310juzhx3z3htz1mjpkpq.png\" alt=\"One\" \/>\r\n<p style=\"text-align: center;\">Contact us to ask for an early settlement figure<\/p>\r\n<img title=\"Number 2\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gjworxkfpt7xme3z66bi12bk65bd3pfv5em.png\" alt=\"Two\" \/>\r\n<p style=\"text-align: center;\">We\u2019ll send you an ESF, the expiry date and instructions for payment<\/p>\r\n<p style=\"text-align: center;\"><b>\u00a0<\/b><\/p>\r\n<img title=\"Number 3\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46xzekwyqjt9opqomose5vxf88z4xen9lzbxa.png\" alt=\"Three\" \/>\r\n<p style=\"text-align: center;\">Make payment by the settlement expiry date<\/p>\r\n<img title=\"Number 4\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0fl82froap9vn38enmy0megkfu1sespci4wm6.png\" alt=\"Four\" \/>\r\n<p style=\"text-align: center;\">You become the legal owner of the vehicle and your agreement with us ends<\/p>\r\n\r\n<h2>How do the options compare?<\/h2>\r\n<h2>How do the options compare?<\/h2>\r\n<p style=\"text-align: left;\"><strong>Voluntary termination<\/strong><\/p>\r\n\r\n<ul>\r\n \t<li style=\"text-align: left;\">You return the vehicle to us<\/li>\r\n \t<li>You only have to pay half the original agreement amount, plus any outstanding payments and charges<\/li>\r\n \t<li style=\"text-align: left;\">We will check the condition of the vehicle, and apply a standard calculation as set out in your consumer rights to work out how much you owe, including any outstanding payments and charges<\/li>\r\n \t<li style=\"text-align: left;\">We can agree an affordable, sustainable payment plan with you to clear any outstanding balance.<\/li>\r\n<\/ul>\r\n<strong>Handback option<\/strong>\r\n<ul>\r\n \t<li>You return the vehicle to us<\/li>\r\n \t<li>We take full control of the vehicle sale process, including repairing the vehicle if needed<\/li>\r\n \t<li>We seek to achieve the highest sale value possible so we can deduct that from the original agreement amount<\/li>\r\n \t<li>We will confirm how much you owe, including the value of any outstanding payments and charges<\/li>\r\n \t<li>We can agree an affordable, sustainable payment plan with you to clear any outstanding balance.<\/li>\r\n<\/ul>\r\n<strong>Early settlement<\/strong>\r\n<ul>\r\n \t<li>If you can pay the total Early Settlement Figure, you keep the vehicle and become the legal owner<\/li>\r\n \t<li>Where you\u2019re clearing the agreement early, you will save money on interest as we\u2019ll deduct any future interest you would have had to pay.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><strong>Voluntary termination<\/strong><\/p>\r\n\r\n<ul>\r\n \t<li style=\"text-align: left;\">You return the vehicle to us<\/li>\r\n \t<li style=\"text-align: left;\">You only have to pay half the original agreement amount, plus any outstanding payments and charges<\/li>\r\n \t<li style=\"text-align: left;\">We will check the condition of the vehicle, and apply a standard calculation as set out in your consumer rights to work out how much you owe, including any outstanding payments and charges<\/li>\r\n \t<li style=\"text-align: left;\">We can agree an affordable, sustainable payment plan with you to clear any outstanding balance.<\/li>\r\n<\/ul>\r\n<strong>Handback option<\/strong>\r\n<ul>\r\n \t<li>You return the vehicle to us<\/li>\r\n \t<li>We take full control of the vehicle sale process, including repairing the vehicle if needed<\/li>\r\n \t<li>We seek to achieve the highest sale value possible so we can deduct that from the original agreement amount<\/li>\r\n \t<li>We will confirm how much you owe, including the value of any outstanding payments and charges<\/li>\r\n \t<li>We can agree an affordable, sustainable payment plan with you to clear any outstanding balance.<\/li>\r\n<\/ul>\r\n<strong>Early settlement<\/strong>\r\n<ul>\r\n \t<li>If you can pay the total Early Settlement Figure, you keep the vehicle and become the legal owner<\/li>\r\n \t<li>Where you\u2019re clearing the agreement early, you will save money on interest as we\u2019ll deduct any future interest you would have had to pay.<\/li>\r\n<\/ul>\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\r\n<h3>We're here to help...<\/h3>\r\n<h4>Financial difficulties<\/h4>\r\nIf you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.\r\n<h4>Contact us<\/h4>\r\nYou can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.\r\n<h2>We're here to help...<\/h2>\r\n<h4>Financial difficulties<\/h4>\r\nIf you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.\r\n<h4>Contact us<\/h4>\r\nYou can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.","title":"How can I end my finance agreement?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-can-i-end-my-finance-agreement\/","slug":"how-can-i-end-my-finance-agreement","topics":"Financial difficulties","keywords":""},{"id":13751,"content":"<p>If you have bad credit, you might be wondering if you can apply for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> on behalf of someone else, like a family member or someone you live with.<\/p><p>Applying for car finance for someone else is known as \u2018fronting\u2019, which is illegal. It is also illegal for someone else to finance a car for you.<\/p><p>Keep reading to learn exactly why you can't finance a car for somebody else, and the options you might want to consider if you\u2019re looking for a car finance agreement.<\/p>\t\t\n\t\t\t<h2>What is accommodation finance?<\/h2>\t\t\n\t\t<p>You may have heard of \u2018accommodation finance\u2019, which is a term used for taking out finance for somebody else in your name. You might also know this as \u2018fronting\u2019, and it is illegal because it is a form of fraud.<\/p><p>Being found guilty of fronting could have serious consequences.<\/p>\t\t\n\t\t\t<h2>Why can\u2019t I take out car finance for someone else?<\/h2>\t\t\n\t\t<p>Each car finance application depends on several personal factors that won\u2019t apply to anyone else. Think of it this way, everyone is different. We all have different jobs, needs, and personal circumstances. Everyone\u2019s eligibility for car finance is different.<\/p>\n<p>When you apply, the lender will carry out checks to assess whether you can afford to make the repayments. Some of the factors include affordability and credit score. If you tried to apply for someone else, your application would be misleading because the lender can\u2019t make sure the agreement is affordable.<\/p>\t\t\n\t\t\t<h2>Can you swap car finance into someone else\u2019s name?<\/h2>\t\t\n\t\t<p><a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/can-you-transfer-car-finance-to-another-person\/\">Switching car finance to someone else<\/a> is also not possible.<\/p><p>As mentioned above, the lender will grant a car finance agreement based on the applicant\u2019s credit history and income. This cannot be switched to someone else\u2019s name, as their circumstances will probably be very different.<\/p><p>If you\u2019re no longer able to afford your repayments, contact your lender, who will go through each of your options. We\u2019ve also written a guide to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-settle-a-car-finance-agreement-early\/\">ending car finance early<\/a>, which explains some of the possible options.<\/p>\t\t\n\t\t\t<h2>Can I apply for finance with someone else?<\/h2>\t\t\n\t\t<p>If you\u2019re looking to apply with someone else, you could make a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance application<\/a>. This is where the circumstances of both you and your partner - spouse, mum, dad, or whoever you are applying with - are considered. If the person you are applying with has a better income or credit score than you, then this may help your chances.<\/p><p>This would result in both parties having equal responsibility for the vehicle and the repayments.<\/p><p>Joint car finance agreements will typically have some restrictions in place. If you decided to make a joint application with us, you and the person you are applying with must live at the same address.<\/p><p>You might have heard of <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guarantor\/\">guarantor car finance<\/a>. We don't offer this, but it involves the use of a 'guarantor', who is responsible for paying the agreement if you can't make the repayments.<\/p>\t\t\n\t\t\t<h2>What if I have bad credit?<\/h2>\t\t\n\t\t<p>If you or someone you know is looking for car finance but has less-than-perfect credit, don\u2019t worry.<\/p><p>You might need to use a specialist lender, such as Moneybarn, to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a>. We help thousands of customers each month onto a better road ahead. We understand that just because you have bad credit, it doesn't change the need to have a reliable car to get around. We might be able to help you, even if you\u2019ve been <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">refused car finance<\/a> elsewhere.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p><p>If you have had financial problems in the past, it may affect whether a lender offers you a finance agreement. Issues that can affect your credit score include:<\/p><ul><li><strong>IVA<\/strong> - Individual Involuntary Agreements (IVAs) are legally binding agreements between you and your creditor, which are put in place to ensure you pay debts back over a set period. However, it is still possible to get <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ivas\/\">car finance with an IVA<\/a>.<\/li><li><strong>CCJ<\/strong> - A County Court Judgment (<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ccj\/\">CCJ<\/a>) comes into place when you have been taken to court by a creditor after failing to pay them back for what you owe.<\/li><li><strong>Missed payments<\/strong> - Missed payments and falling into arrears can negatively affect your credit score. Find out <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-happens-if-you-dont-pay-your-car-finance\/\">what happens if you don\u2019t pay your car finance<\/a>.<\/li><\/ul>\t\t\n\t\t\t<h2>How to improve your chances of getting car finance<\/h2>\t\t\n\t\t<p>If you are concerned about how likely you are to be accepted for a car finance agreement, don't worry, there are a few steps you can take that might help:<\/p><p>The first thing you could do is <strong>check your credit report<\/strong> with each of the credit reference agencies (Experian, Equifax, and TransUnion) to see if you have a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">good credit score<\/a>.<\/p><p>If your credit score could be better, you might want to take some steps to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> before you apply. You\u2019ll also want to make sure that you\u2019ve researched potential lenders.<\/p><p>Before applying, you could use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">car finance calculator<\/a> to see what your finance agreement might look like. Enter the amount you are looking to borrow, and for how long, and it will give you a rough idea of your budget.<\/p>\t\t\n\t\t\t<h2>FAQs about financing a car for someone else<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8601\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8601\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a family member get car finance for me?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, your family cannot take out a car finance agreement for you. If you have limited or no credit history, you might find it tricky to find a lender who will offer you a car finance agreement.<\/p><p>We go a little deeper into <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-hard-is-it-to-get-approved-to-finance-a-car\/\">how difficult it is to get approved to finance a car<\/a> in our guide, which you might find useful.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-8602\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8602\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can my partner get a car on finance for me?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, your partner can\u2019t apply for car finance on your behalf. This would also be classed as \u2018fronting\u2019 and is illegal.<\/p><p>However, you might consider making a joint car finance application if you and your partner live at the same address. Find out more in our guide to <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a>.<\/p>\n\t\t<p>If you have bad credit, you might be wondering if you can apply for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> on behalf of someone else, like a family member or someone you live with.<\/p><p>Applying for car finance for someone else is known as \u2018fronting\u2019, which is illegal. It is also illegal for someone else to finance a car for you.<\/p><p>Keep reading to learn exactly why you can't finance a car for somebody else, and the options you might want to consider if you\u2019re looking for a car finance agreement.<\/p>\t\t\n\t\t\t<h2>What is accommodation finance?<\/h2>\t\t\n\t\t<p>You may have heard of \u2018accommodation finance\u2019, which is a term used for taking out finance for somebody else in your name. You might also know this as \u2018fronting\u2019, and it is illegal because it is a form of fraud.<\/p><p>Being found guilty of fronting could have serious consequences.<\/p>\t\t\n\t\t\t<h2>Why can\u2019t I take out car finance for someone else?<\/h2>\t\t\n\t\t<p>Each car finance application depends on several personal factors that won\u2019t apply to anyone else. Think of it this way, everyone is different. We all have different jobs, needs, and personal circumstances. Everyone\u2019s eligibility for car finance is different.<\/p>\n<p>When you apply, the lender will carry out checks to assess whether you can afford to make the repayments. Some of the factors include affordability and credit score. If you tried to apply for someone else, your application would be misleading because the lender can\u2019t make sure the agreement is affordable.<\/p>\t\t\n\t\t\t<h2>Can you swap car finance into someone else\u2019s name?<\/h2>\t\t\n\t\t<p><a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/can-you-transfer-car-finance-to-another-person\/\">Switching car finance to someone else<\/a> is also not possible.<\/p><p>As mentioned above, the lender will grant a car finance agreement based on the applicant\u2019s credit history and income. This cannot be switched to someone else\u2019s name, as their circumstances will probably be very different.<\/p><p>If you\u2019re no longer able to afford your repayments, contact your lender, who will go through each of your options. We\u2019ve also written a guide to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-settle-a-car-finance-agreement-early\/\">ending car finance early<\/a>, which explains some of the possible options.<\/p>\t\t\n\t\t\t<h2>Can I apply for finance with someone else?<\/h2>\t\t\n\t\t<p>If you\u2019re looking to apply with someone else, you could make a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance application<\/a>. This is where the circumstances of both you and your partner - spouse, mum, dad, or whoever you are applying with - are considered. If the person you are applying with has a better income or credit score than you, then this may help your chances.<\/p><p>This would result in both parties having equal responsibility for the vehicle and the repayments.<\/p><p>Joint car finance agreements will typically have some restrictions in place. If you decided to make a joint application with us, you and the person you are applying with must live at the same address.<\/p><p>You might have heard of <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guarantor\/\">guarantor car finance<\/a>. We don't offer this, but it involves the use of a 'guarantor', who is responsible for paying the agreement if you can't make the repayments.<\/p>\t\t\n\t\t\t<h2>What if I have bad credit?<\/h2>\t\t\n\t\t<p>If you or someone you know is looking for car finance but has less-than-perfect credit, don\u2019t worry.<\/p><p>You might need to use a specialist lender, such as Moneybarn, to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a>. We help thousands of customers each month onto a better road ahead. We understand that just because you have bad credit, it doesn't change the need to have a reliable car to get around. We might be able to help you, even if you\u2019ve been <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">refused car finance<\/a> elsewhere.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p><p>If you have had financial problems in the past, it may affect whether a lender offers you a finance agreement. Issues that can affect your credit score include:<\/p><ul><li><strong>IVA<\/strong> - Individual Involuntary Agreements (IVAs) are legally binding agreements between you and your creditor, which are put in place to ensure you pay debts back over a set period. However, it is still possible to get <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ivas\/\">car finance with an IVA<\/a>.<\/li><li><strong>CCJ<\/strong> - A County Court Judgment (<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ccj\/\">CCJ<\/a>) comes into place when you have been taken to court by a creditor after failing to pay them back for what you owe.<\/li><li><strong>Missed payments<\/strong> - Missed payments and falling into arrears can negatively affect your credit score. Find out <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-happens-if-you-dont-pay-your-car-finance\/\">what happens if you don\u2019t pay your car finance<\/a>.<\/li><\/ul>\t\t\n\t\t\t<h2>How to improve your chances of getting car finance<\/h2>\t\t\n\t\t<p>If you are concerned about how likely you are to be accepted for a car finance agreement, don't worry, there are a few steps you can take that might help:<\/p><p>The first thing you could do is <strong>check your credit report<\/strong> with each of the credit reference agencies (Experian, Equifax, and TransUnion) to see if you have a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">good credit score<\/a>.<\/p><p>If your credit score could be better, you might want to take some steps to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> before you apply. You\u2019ll also want to make sure that you\u2019ve researched potential lenders.<\/p><p>Before applying, you could use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">car finance calculator<\/a> to see what your finance agreement might look like. Enter the amount you are looking to borrow, and for how long, and it will give you a rough idea of your budget.<\/p>\t\t\n\t\t\t<h2>FAQs about financing a car for someone else<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5991\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5991\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a family member get car finance for me?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, your family cannot take out a car finance agreement for you. If you have limited or no credit history, you might find it tricky to find a lender who will offer you a car finance agreement.<\/p><p>We go a little deeper into <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-hard-is-it-to-get-approved-to-finance-a-car\/\">how difficult it is to get approved to finance a car<\/a> in our guide, which you might find useful.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5992\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5992\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can my partner get a car on finance for me?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, your partner can\u2019t apply for car finance on your behalf. This would also be classed as \u2018fronting\u2019 and is illegal.<\/p><p>However, you might consider making a joint car finance application if you and your partner live at the same address. Find out more in our guide to <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a>.<\/p>","title":"Can you finance a car for someone else?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/can-you-finance-a-car-for-someone-else\/","slug":"can-you-finance-a-car-for-someone-else","topics":"Your application","keywords":""},{"id":13481,"content":"<p>If you\u2019ve missed mortgage payments in the past, it won\u2019t stop you from applying for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a>, but it might affect your chances of getting approved.<\/p>\n<p>Read on to find out more about how mortgage arrears affect your ability to get car finance, how it might affect your credit score, and some of the things you could do that might improve your chances.<\/p>\t\t\n\t\t\t<h2>What are mortgage arrears?<\/h2>\t\t\n\t\t<p>When you take out a mortgage, you agree to make monthly repayments to the lender until you've repaid the mortgage in full.<\/p><p>This total includes interest which will be either fixed or variable, depending on your type of mortgage. Once you have fully paid off your mortgage, the property will legally be yours.<\/p><p>The average length of a mortgage is around 30 years. Between taking out your mortgage and paying it off, your circumstances could change, and it might be trickier paying off your mortgage some months more than others.<\/p><p>If you don\u2019t keep up with your monthly mortgage payments, you will fall into arrears. While you are in mortgage arrears you may be charged extra in line with your mortgage agreement.<\/p>\t\t\n\t\t\t<h3>Your options when in mortgage arrears<\/h3>\t\t\n\t\t<p>We can't give any advice about which option would be best, as it depends on your circumstances. If you're unsure, contact your mortgage provider and they can discuss the options available to you.<\/p><p>Below is a list of possible support options that your mortgage lender may be able to offer to you:<\/p><ul><li><strong>Pay off your arrears in instalments:<\/strong>\u00a0Your lender may agree to an alternative payment plan to repay your arrears over a few months in addition to your regular repayments.<\/li><li><strong>Extend the mortgage term:<\/strong>\u00a0Extending the term of your mortgage can reduce your monthly repayments, making them easier to cover.<\/li><li><strong>Arrange government mortgage help:<\/strong> Your lender can arrange assistance to pay your mortgage through <a style=\"color: #000000;\" href=\"https:\/\/www.gov.uk\/support-for-mortgage-interest\" target=\"_blank\" rel=\"noopener\">Support for Mortgage Interest (SMI)<\/a>.<\/li><li><strong>Change to an interest-only plan:<\/strong> This temporary payment plan allows you to pay only the interest on your mortgage for several years. At the end of this period, you must pay the original mortgage sum.<\/li><li><strong>Take a payment holiday:<\/strong> A payment holiday allows you to miss one or two payments on your mortgage. This gives you a chance to iron out any financial difficulties, but you must make up the difference before the end of your payment term.<\/li><li><strong>Agree to an assisted voluntary sale scheme:<\/strong> If you decide you can't afford your mortgage repayments and would prefer to sell, the lender may help you to sell your home. You'll then get extra time to pay your arrears pending the sale of your property.<\/li><\/ul><p>There is also support available to you if you\u2019re experiencing financial difficulties and are struggling to pay your mortgage. There are some not-for-profit debt organisations that could offer advice and support. These include <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, which provide free and impartial debt advice, and <a style=\"color: #000000;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> which have online resources to help manage your money.<\/p>\t\t\n\t\t\t<h2>How can mortgage arrears impact your ability to get car finance?<\/h2>\t\t\n\t\t<p>You can still apply for car finance when you\u2019ve had or have mortgage arrears, but they usually show on your credit report, which may decrease your chances of being approved for car finance.<\/p><p>If you\u2019ve fallen into arrears with your mortgage, or have had arrears in the past, this will usually affect your credit score. You can still apply for car finance, but current or previous mortgage arrears may impact your chances of being approved.<\/p><p>A responsible lender will use a credit check when deciding whether they'll approve an application for car finance. Missed payments on your mortgage will show up on a credit check and could mean lenders see you as being higher risk to lend to.<\/p><p>Depending on the lender, they'll carry out either a\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/soft-search-vs-hard-search-credit-check\/\">soft or hard credit check<\/a> when you apply for finance, both types of checks let the lender see your credit report. The difference is that a soft check isn't visible to other companies, so it has no impact on your credit score. A hard check can negatively impact your credit score.<\/p><p>If you have\u00a0<a style=\"background-color: #ffffff;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit<\/a> because you have (or have had) mortgage arrears, you may need to use a specialist lender such as Moneybarn. We\u2019ve helped thousands of people up and down the UK get the car they need to get around.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p>\t\t\n\t\t\t<h2>What can you do if you have mortgage arrears but need car finance?<\/h2>\t\t\n\t\t<p>Buying a new car is an exciting time, but if you\u2019re looking to get a car on finance, make sure you consider all the costs involved. You could use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">car finance calculator<\/a> to see how much your finance payments might be. You should also consider the costs of running and maintaining your car, such as fuel, servicing, insurance, and road tax.<\/p><p>There are also some things you could do that might <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>, which can help your chances of getting car finance:<\/p><ul><li>Check your credit report and make sure all the information is up-to-date<\/li><li>Register for the electoral roll if you haven\u2019t already<\/li><li>Try to ensure you have no late or missed payments for your mortgage or other bills.<\/li><\/ul><p>Your credit report is important because it is one of the factors that car finance lenders use to decide if you\u2019re <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>. For more information, see our guides to learn more about credit:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-credit-score-do-you-need-for-car-finance-in-the-uk\/\">What credit score do you need to get car finance?<\/a><\/li><\/ul><p>If you\u2019ve missed mortgage payments in the past, it won\u2019t stop you from applying for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a>, but it might affect your chances of getting approved.<\/p>\n<p>Read on to find out more about how mortgage arrears affect your ability to get car finance, how it might affect your credit score, and some of the things you could do that might improve your chances.<\/p>\t\t\n\t\t\t<h2>What are mortgage arrears?<\/h2>\t\t\n\t\t<p>When you take out a mortgage, you agree to make monthly repayments to the lender until you've repaid the mortgage in full.<\/p><p>This total includes interest which will be either fixed or variable, depending on your type of mortgage. Once you have fully paid off your mortgage, the property will legally be yours.<\/p><p>The average length of a mortgage is around 30 years. Between taking out your mortgage and paying it off, your circumstances could change, and it might be trickier paying off your mortgage some months more than others.<\/p><p>If you don\u2019t keep up with your monthly mortgage payments, you will fall into arrears. While you are in mortgage arrears you may be charged extra in line with your mortgage agreement.<\/p>\t\t\n\t\t\t<h3>Your options when in mortgage arrears<\/h3>\t\t\n\t\t<p>We can't give any advice about which option would be best, as it depends on your circumstances. If you're unsure, contact your mortgage provider and they can discuss the options available to you.<\/p><p>Below is a list of possible support options that your mortgage lender may be able to offer to you:<\/p><ul><li><strong>Pay off your arrears in instalments:<\/strong>\u00a0Your lender may agree to an alternative payment plan to repay your arrears over a few months in addition to your regular repayments.<\/li><li><strong>Extend the mortgage term:<\/strong>\u00a0Extending the term of your mortgage can reduce your monthly repayments, making them easier to cover.<\/li><li><strong>Arrange government mortgage help:<\/strong> Your lender can arrange assistance to pay your mortgage through <a style=\"color: #000000;\" href=\"https:\/\/www.gov.uk\/support-for-mortgage-interest\" target=\"_blank\" rel=\"noopener\">Support for Mortgage Interest (SMI)<\/a>.<\/li><li><strong>Change to an interest-only plan:<\/strong> This temporary payment plan allows you to pay only the interest on your mortgage for several years. At the end of this period, you must pay the original mortgage sum.<\/li><li><strong>Take a payment holiday:<\/strong> A payment holiday allows you to miss one or two payments on your mortgage. This gives you a chance to iron out any financial difficulties, but you must make up the difference before the end of your payment term.<\/li><li><strong>Agree to an assisted voluntary sale scheme:<\/strong> If you decide you can't afford your mortgage repayments and would prefer to sell, the lender may help you to sell your home. You'll then get extra time to pay your arrears pending the sale of your property.<\/li><\/ul><p>There is also support available to you if you\u2019re experiencing financial difficulties and are struggling to pay your mortgage. There are some not-for-profit debt organisations that could offer advice and support. These include <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, which provide free and impartial debt advice, and <a style=\"color: #000000;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> which have online resources to help manage your money.<\/p>\t\t\n\t\t\t<h2>How can mortgage arrears impact your ability to get car finance?<\/h2>\t\t\n\t\t<p>You can still apply for car finance when you\u2019ve had or have mortgage arrears, but they usually show on your credit report, which may decrease your chances of being approved for car finance.<\/p><p>If you\u2019ve fallen into arrears with your mortgage, or have had arrears in the past, this will usually affect your credit score. You can still apply for car finance, but current or previous mortgage arrears may impact your chances of being approved.<\/p><p>A responsible lender will use a credit check when deciding whether they'll approve an application for car finance. Missed payments on your mortgage will show up on a credit check and could mean lenders see you as being higher risk to lend to.<\/p><p>Depending on the lender, they'll carry out either a\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/soft-search-vs-hard-search-credit-check\/\">soft or hard credit check<\/a> when you apply for finance, both types of checks let the lender see your credit report. The difference is that a soft check isn't visible to other companies, so it has no impact on your credit score. A hard check can negatively impact your credit score.<\/p><p>If you have\u00a0<a style=\"background-color: #ffffff;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit<\/a> because you have (or have had) mortgage arrears, you may need to use a specialist lender such as Moneybarn. We\u2019ve helped thousands of people up and down the UK get the car they need to get around.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p>\t\t\n\t\t\t<h2>What can you do if you have mortgage arrears but need car finance?<\/h2>\t\t\n\t\t<p>Buying a new car is an exciting time, but if you\u2019re looking to get a car on finance, make sure you consider all the costs involved. You could use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">car finance calculator<\/a> to see how much your finance payments might be. You should also consider the costs of running and maintaining your car, such as fuel, servicing, insurance, and road tax.<\/p><p>There are also some things you could do that might <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>, which can help your chances of getting car finance:<\/p><ul><li>Check your credit report and make sure all the information is up-to-date<\/li><li>Register for the electoral roll if you haven\u2019t already<\/li><li>Try to ensure you have no late or missed payments for your mortgage or other bills.<\/li><\/ul><p>Your credit report is important because it is one of the factors that car finance lenders use to decide if you\u2019re <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>. For more information, see our guides to learn more about credit:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-credit-score-do-you-need-for-car-finance-in-the-uk\/\">What credit score do you need to get car finance?<\/a><\/li><\/ul><ul><li>\u00a0<\/li><\/ul>","title":"Can I get car finance with mortgage arrears?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/applying-with-debt\/can-i-get-car-finance-with-mortgage-arrears\/","slug":"can-i-get-car-finance-with-mortgage-arrears","topics":"Applying with debt","keywords":""},{"id":7981,"content":"<a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">Car finance<\/a> can help spread the cost of a car over an agreed period of time. However, if your circumstances change over the course of the agreement, you have the legal right to end your agreement by voluntary termination.\r\n\r\nOur guide will explain how voluntary termination of car finance works. We\u2019ll explain what it is, the difference between voluntary termination and voluntary surrender, and how you would voluntarily terminate your car finance agreement.\r\n\r\n<strong>If you\u2019re a Moneybarn customer<\/strong> and want to use this option to end your agreement early, please <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> so we can run you through all of your options to end the agreement and confirm how much each option may cost you.\r\n\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\r\n<h2>In this guide:<\/h2>\r\n<ul>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#what-is-car-finance-voluntary-termination\">What is car finance voluntary termination?<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#reasons-why-you-might-voluntarily-terminate-your-agreement\">Reasons why you might voluntarily terminate your agreement<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#how-does-voluntary-termination-work\">How does voluntary termination work?<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#how-do-i-voluntarily-terminate-my-car-finance-agreement\">How do I voluntarily terminate my car finance agreement?<\/a><\/li>\r\n<\/ul>\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\nbody.elementor-page .elementor-widget-menu-anchor{margin-bottom:0}<\/style>\r\n<h2>What is car finance voluntary termination?<\/h2>\r\nOften, a person's circumstances can change over the course of a car finance agreement, and they may need to end the agreement early. In that case, voluntary termination might be the most cost-effective option.\r\n\r\nVoluntary termination is your legal right as a customer to cancel or end your car finance agreement early, provided you meet the necessary criteria. You would need to return the vehicle and are liable for half of the total amount payable, plus any outstanding payments (inclusive of any previously agreed payment breaks or payment holidays) and charges.\r\n\r\nThis legal right is detailed in <a style=\"color: #ef8200;\" href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/section\/99\" target=\"_blank\" rel=\"noopener\">Section 99 of the Consumer Credit Act 1974<\/a> and allows you to end your finance agreement and return the vehicle.\r\n\r\nThis is a statutory right and can't be excluded from your contract with a car finance company. However, the process for voluntary termination will differ depending on the lender. If you aren\u2019t sure about the criteria for voluntary termination, contact your lender.\r\n<h3>What is the difference between voluntary termination and voluntary surrender?<\/h3>\r\n<strong>Voluntary termination<\/strong> ends your car finance agreement early (before the agreement term ends). It requires mutual agreement between the lender and the borrower. This is dependent on whether you meet the criteria for voluntary termination.\r\n\r\n<strong>Voluntary surrender<\/strong> is when you return your car to the lender, usually because you\u2019ve missed payments. In this case, the lender will repossess the car, and you may still be liable for any payments still owed.\r\n<h2>Reasons why you might voluntarily terminate your agreement<\/h2>\r\nYou might want to terminate your car finance agreement for several reasons. Car finance agreement terms can last for several years, and your financial or personal situation might change during this time.\r\n\r\nYou might not be able to make the repayments anymore and decide that you need to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-change-your-car-on-finance\/\">change your car on finance<\/a> to something with lower monthly repayments. If so, voluntary termination is one of the options you have.\r\n\r\nIf you can no longer afford to make your repayments, you might want to end the agreement and return the vehicle to avoid your car being repossessed. If you are experiencing financial difficulty, contact your lender and they can outline the support available to you and explain the process of voluntary termination.\r\n\r\nThere are also some not-for-profit organisations such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, who can provide free, unbiased advice to help you get back on track.\r\n\r\nDepending on the type of car finance you have and how far into it you are, you may be required to make a further payment to meet the 50% threshold of the total amount payable. Keep reading, as we will explain this further in the next section.\r\n\r\nIf you\u2019re struggling to make your repayments, you may be considering voluntary termination of your car finance agreement. If you\u2019re a Moneybarn customer, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> today to discuss your options with a member of our team.\r\n\r\n<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/<br \/>\r\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\r\n<h3>We're here to help...<\/h3>\r\n<h4>Financial difficulties<\/h4>\r\nIf you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.\r\n<h4>Contact us<\/h4>\r\nYou can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.\r\n<h2>How does voluntary termination work?<\/h2>\r\nTo end your agreement by voluntary termination, you must tell your lender either verbally or in writing. It\u2019s best to contact them directly, as they will be able to discuss your options. They can also guide you through the voluntary termination process if you decide that is the best option.\r\n\r\nThe criteria for voluntary termination may vary between lenders. Some common requirements are that the car is in good condition with no excessive wear and tear, and that you must have paid 50% of the total amount payable. Any arrears or charges that have built up over the agreement would also need to be repaid.\r\n\r\nIt also depends on the type of finance you have. Let\u2019s examine some of the most common car finance types and see how voluntary termination might work.\r\n<h3>Voluntary termination with a CS (Conditional Sale) agreement<\/h3>\r\nIf you want to terminate your <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale<\/a> agreement early through voluntary termination, you\u2019ll be liable for half (50%) of the total amount payable, plus any arrears or charges if applicable.\r\n\r\nIf you haven\u2019t met the 50% threshold, you can make <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">additional payments on your car finance<\/a> to reach this point.\r\n<h3>Voluntary termination with a PCP agreement<\/h3>\r\nIf you\u2019d like to end a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP agreement<\/a> early, you will need to have paid 50% of the total amount payable. This includes interest and fees or charges as applicable. The car will also need to be returned in good condition.\r\n\r\nYou usually also have to pay some or all of the balloon payment. This depends on how much you\u2019ve repaid out of the total amount payable. Because the balloon payment is at the end of your agreement, you likely won\u2019t have paid back 50% of the total amount payable at the time you choose to voluntarily terminate.\r\n<h3>Voluntary termination with a HP (Hire Purchase) agreement<\/h3>\r\nVoluntarily terminating a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase<\/a> (HP) agreement is like voluntarily terminating a CS agreement.\r\n\r\nWhen you have paid half the total amount payable, you should meet the criteria for voluntary termination. However, if you choose to end the agreement earlier, you will need to pay the difference between what you\u2019ve already paid and the halfway point of your repayment plan to meet the 50% threshold.\r\n<h2>How do I voluntarily terminate my car finance agreement?<\/h2>\r\nIf you are thinking of voluntarily terminating your car finance agreement, you could check your contract. Your contract will outline the criteria for voluntary termination and will say if there are any charges or fees for doing so.\r\n\r\nSome lenders might need written confirmation such as a letter or email to accept your voluntary termination request. Contact them directly and they will be able to discuss your options.\r\n\r\nOnce the process has begun, you must settle the amount payable, including any charges or fees, with your lender. Then, you will need to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-give-your-car-back-to-the-finance-company\/\">give your car back to the finance company<\/a>.\r\n\r\nBefore returning the car, you might want to take some photos to prove that it is in good condition. When the vehicle is returned to the lender, they will assess its condition, and you may be liable if there is excessive wear and tear or damage.\r\n\r\nIt's important to remember that voluntary termination is only one of the many options available to you. If you're unsure which option is best for you, you should contact your lender and they can help.\r\n<h3>How long does it take to terminate a car finance agreement?<\/h3>\r\nThe process of voluntary termination varies because there are lots of different factors involved. It may take anywhere from days to weeks, depending on when your car is collected and when you settle the amount payable.\r\n\r\nIf you are experiencing financial difficulty, it\u2019s best to contact your lender as soon as you can as there are options available to help. If you want to choose voluntary termination, your lender can help start this process.\r\n<h3>Does voluntary termination affect my credit score?<\/h3>\r\nA common myth about voluntary termination is that it will affect your credit score.\r\n\r\nVoluntary termination will show on your credit report, but if you haven\u2019t missed any repayments then it shouldn\u2019t affect your credit score.\r\n\r\nIf you have missed car finance payments, it will negatively affect your credit score. This might make it more difficult to get credit in the future.\r\n\r\nTo find out more about your credit score, check out our guides:\r\n<ul>\r\n \t<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li>\r\n<\/ul>\r\n<a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">Car finance<\/a> can help spread the cost of a car over an agreed period of time. However, if your circumstances change over the course of the agreement, you have the legal right to end your agreement by voluntary termination.\r\n\r\nOur guide will explain how voluntary termination of car finance works. We\u2019ll explain what it is, the difference between voluntary termination and voluntary surrender, and how you would voluntarily terminate your car finance agreement.\r\n\r\n<strong>If you\u2019re a Moneybarn customer<\/strong> and want to use this option to end your agreement early, please <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> so we can run you through all of your options to end the agreement and confirm how much each option may cost you.\r\n<h2>In this guide:<\/h2>\r\n<ul>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#what-is-car-finance-voluntary-termination\">What is car finance voluntary termination?<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#reasons-why-you-might-voluntarily-terminate-your-agreement\">Reasons why you might voluntarily terminate your agreement<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#how-does-voluntary-termination-work\">How does voluntary termination work?<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"#how-do-i-voluntarily-terminate-my-car-finance-agreement\">How do I voluntarily terminate my car finance agreement?<\/a><\/li>\r\n<\/ul>\r\n<h2>What is car finance voluntary termination?<\/h2>\r\nOften, a person's circumstances can change over the course of a car finance agreement, and they may need to end the agreement early. In that case, voluntary termination might be the most cost-effective option.\r\n\r\nVoluntary termination is your legal right as a customer to cancel or end your car finance agreement early, provided you meet the necessary criteria. You would need to return the vehicle and are liable for half of the total amount payable, plus any outstanding payments (inclusive of any previously agreed payment breaks or payment holidays) and charges.\r\n\r\nThis legal right is detailed in <a style=\"color: #ef8200;\" href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/section\/99\" target=\"_blank\" rel=\"noopener\">Section 99 of the Consumer Credit Act 1974<\/a> and allows you to end your finance agreement and return the vehicle.\r\n\r\nThis is a statutory right and can't be excluded from your contract with a car finance company. However, the process for voluntary termination will differ depending on the lender. If you aren\u2019t sure about the criteria for voluntary termination, contact your lender.\r\n<h3>What is the difference between voluntary termination and voluntary surrender?<\/h3>\r\n<strong>Voluntary termination<\/strong> ends your car finance agreement early (before the agreement term ends). It requires mutual agreement between the lender and the borrower. This is dependent on whether you meet the criteria for voluntary termination.\r\n\r\n<strong>Voluntary surrender<\/strong> is when you return your car to the lender, usually because you\u2019ve missed payments. In this case, the lender will repossess the car, and you may still be liable for any payments still owed.\r\n<h2>Reasons why you might voluntarily terminate your agreement<\/h2>\r\nYou might want to terminate your car finance agreement for several reasons. Car finance agreement terms can last for several years, and your financial or personal situation might change during this time.\r\n\r\nYou might not be able to make the repayments anymore and decide that you need to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-change-your-car-on-finance\/\">change your car on finance<\/a> to something with lower monthly repayments. If so, voluntary termination is one of the options you have.\r\n\r\nIf you can no longer afford to make your repayments, you might want to end the agreement and return the vehicle to avoid your car being repossessed. If you are experiencing financial difficulty, contact your lender and they can outline the support available to you and explain the process of voluntary termination.\r\n\r\nThere are also some not-for-profit organisations such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, who can provide free, unbiased advice to help you get back on track.\r\n\r\nDepending on the type of car finance you have and how far into it you are, you may be required to make a further payment to meet the 50% threshold of the total amount payable. Keep reading, as we will explain this further in the next section.\r\n\r\nIf you\u2019re struggling to make your repayments, you may be considering voluntary termination of your car finance agreement. If you\u2019re a Moneybarn customer, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> today to discuss your options with a member of our team.\r\n<h3>We're here to help...<\/h3>\r\n<h4>Financial difficulties<\/h4>\r\nIf you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.\r\n<h4>Contact us<\/h4>\r\nYou can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.\r\n<h2>How does voluntary termination work?<\/h2>\r\nTo end your agreement by voluntary termination, you must tell your lender either verbally or in writing. It\u2019s best to contact them directly, as they will be able to discuss your options. They can also guide you through the voluntary termination process if you decide that is the best option.\r\n\r\nThe criteria for voluntary termination may vary between lenders. Some common requirements are that the car is in good condition with no excessive wear and tear, and that you must have paid 50% of the total amount payable. Any arrears or charges that have built up over the agreement would also need to be repaid.\r\n\r\nIt also depends on the type of finance you have. Let\u2019s examine some of the most common car finance types and see how voluntary termination might work.\r\n<h3>Voluntary termination with a CS (Conditional Sale) agreement<\/h3>\r\nIf you want to terminate your <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale<\/a> agreement early through voluntary termination, you\u2019ll be liable for half (50%) of the total amount payable, plus any arrears or charges if applicable.\r\n\r\nIf you haven\u2019t met the 50% threshold, you can make <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">additional payments on your car finance<\/a> to reach this point.\r\n<h3>Voluntary termination with a PCP agreement<\/h3>\r\nIf you\u2019d like to end a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP agreement<\/a> early, you will need to have paid 50% of the total amount payable. This includes interest and fees or charges as applicable. The car will also need to be returned in good condition.\r\n\r\nYou usually also have to pay some or all of the balloon payment. This depends on how much you\u2019ve repaid out of the total amount payable. Because the balloon payment is at the end of your agreement, you likely won\u2019t have paid back 50% of the total amount payable at the time you choose to voluntarily terminate.\r\n<h3>Voluntary termination with a HP (Hire Purchase) agreement<\/h3>\r\nVoluntarily terminating a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase<\/a> (HP) agreement is like voluntarily terminating a CS agreement.\r\n\r\nWhen you have paid half the total amount payable, you should meet the criteria for voluntary termination. However, if you choose to end the agreement earlier, you will need to pay the difference between what you\u2019ve already paid and the halfway point of your repayment plan to meet the 50% threshold.\r\n<h2>How do I voluntarily terminate my car finance agreement?<\/h2>\r\nIf you are thinking of voluntarily terminating your car finance agreement, you could check your contract. Your contract will outline the criteria for voluntary termination and will say if there are any charges or fees for doing so.\r\n\r\nSome lenders might need written confirmation such as a letter or email to accept your voluntary termination request. Contact them directly and they will be able to discuss your options.\r\n\r\nOnce the process has begun, you must settle the amount payable, including any charges or fees, with your lender. Then, you will need to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-give-your-car-back-to-the-finance-company\/\">give your car back to the finance company<\/a>.\r\n\r\nBefore returning the car, you might want to take some photos to prove that it is in good condition. When the vehicle is returned to the lender, they will assess its condition, and you may be liable if there is excessive wear and tear or damage.\r\n\r\nIt's important to remember that voluntary termination is only one of the many options available to you. If you're unsure which option is best for you, you should contact your lender and they can help.\r\n<h3>How long does it take to terminate a car finance agreement?<\/h3>\r\nThe process of voluntary termination varies because there are lots of different factors involved. It may take anywhere from days to weeks, depending on when your car is collected and when you settle the amount payable.\r\n\r\nIf you are experiencing financial difficulty, it\u2019s best to contact your lender as soon as you can as there are options available to help. If you want to choose voluntary termination, your lender can help start this process.\r\n<h3>Does voluntary termination affect my credit score?<\/h3>\r\nA common myth about voluntary termination is that it will affect your credit score.\r\n\r\nVoluntary termination will show on your credit report, but if you haven\u2019t missed any repayments then it shouldn\u2019t affect your credit score.\r\n\r\nIf you have missed car finance payments, it will negatively affect your credit score. This might make it more difficult to get credit in the future.\r\n\r\nTo find out more about your credit score, check out our guides:\r\n<ul>\r\n \t<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score<\/a><\/li>\r\n \t<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li>\r\n<\/ul>","title":"How does voluntary termination of car finance work?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/","slug":"how-does-voluntary-termination-work","topics":"Financial difficulties","keywords":""},{"id":13483,"content":"If you have a Debt Relief Order (DRO) in place or have had one in the past, you may be wondering if this impacts your credit score and your ability to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a>. In this article, we\u2019ll look at the ins and outs of whether you can get car finance if you have, or have previously had, a DRO, and what you should know before applying.\r\n<h2>What is a Debt Relief Order (DRO)?<\/h2>\r\nA DRO is a way of dealing with debts if a person can\u2019t afford to repay them. When you have a DRO in place, you won\u2019t have to repay certain types of debt for the duration of the DRO. Once the DRO ends, which is usually after 12 months, any debts included in it will be written off.\r\n\r\nYou can only apply for a DRO through an \u2018approved intermediary\u2019, such as a debt advisor, who will check whether you meet the specific criteria. The application will then be sent to an \u2018official receiver\u2019 (this is an officer of the bankruptcy court), who will decide if the DRO is granted.\r\n\r\nThe criteria to be eligible for a DRO includes:\r\n<ul>\r\n \t<li>You owe \u00a330,000 or less<\/li>\r\n \t<li>You don\u2019t own your home<\/li>\r\n \t<li>You lived or worked in England or Wales in the previous three years<\/li>\r\n \t<li>You have less than \u00a375 to spend per month after bills and expenses<\/li>\r\n \t<li>The things of value that you own, and any savings you have, aren\u2019t worth more than \u00a32,000<\/li>\r\n \t<li>You haven\u2019t had a DRO in the previous six years<\/li>\r\n \t<li>You\u2019re not involved in bankruptcy proceedings or other insolvency proceedings<\/li>\r\n<\/ul>\r\n<h2>Does a Debt Relief Order affect your credit score?<\/h2>\r\nIf you\u2019ve got a Debt Relief Order, or have had one in the past, it will affect your credit score. This could make it more difficult to obtain credit in the future.\r\n\r\nAfter the 12-month period ends, it can still affect your ability to get credit. This is because a DRO will show on your credit file for six years from the date it was approved.\r\n\r\nWhether you are currently in a DRO, or had one in the past, there are some things you could do that might <a style=\"color: #000000;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>:\r\n<ul>\r\n \t<li>Check your credit report and make sure all your information is up to date<\/li>\r\n \t<li>Register for the electoral roll if you haven\u2019t already<\/li>\r\n \t<li>Try to keep your credit utilisation low and make repayments on time<\/li>\r\n<\/ul>\r\n<h2>Can you own a car while in a Debt Relief Order?<\/h2>\r\nWhether or not you can own a car while in a DRO depends on several factors. If you\u2019re unsure, you should check with your DRO advisor who can help further.\r\n\r\nGenerally, you can\u2019t apply for a DRO if you have more than \u00a32,000 in \u2018assets\u2019. This includes cash, money in bank accounts, savings, and the value of items you own such as your mobile phone.\r\n\r\nAccording to <a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/debt-solutions\/debt-relief-orders\/debt-relief-orders-explained\/how-income-debts-and-belongings-are-assessed-for-a-debt-relief-order\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a>, your car doesn\u2019t count as an asset so long as it is worth no more than \u00a32,000 in England and Wales, or \u00a31,000 if you live in Northern Ireland. Only one vehicle won\u2019t be counted as part of your assets. There are certain situations where this might be different, such as if you use the car for business purposes, or if the car has been adapted to accommodate a physical disability.\r\n\r\nIf you have a car on Conditional Sale finance, it may not be counted as an asset because you don\u2019t legally own the car. With CS agreements, the finance company owns the car until you make the final repayment. Depending on the circumstances, you may not be allowed to keep making repayments while the DRO is active.\r\n\r\nOther types of finance might be different, and some lenders might have a clause in the contract that lets them automatically end the agreement and re-possess the car if you enter a DRO.\r\n\r\nIf you\u2019re a Moneybarn customer and are experiencing financial difficulties, there is <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available<\/a>. Please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> and our team will be happy to discuss your options.\r\n<h2>Can you get car finance with a Debt Relief Order?<\/h2>\r\nDuring the first 12 months when a DRO is active, there are certain restrictions placed on you. One of those restrictions stops you from applying for credit or finance for more than \u00a3500 without telling a potential lender about your DRO.\r\n\r\nAs one of the criteria for being granted a DRO means you have \u00a375 or less in monthly disposable income, affordability checks usually mean a car finance agreement wouldn\u2019t be deemed affordable.\r\n\r\nIf you\u2019ve had a DRO in the past, you may need to use a specialist <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a> lender such as Moneybarn. A responsible lender will use several checks to make sure any finance they offer is affordable to you. At Moneybarn we\u2019d review your circumstances on an individual basis before deciding whether we can lend to you.\r\n\r\n<strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong>\r\n\r\nIf you have a Debt Relief Order (DRO) in place or have had one in the past, you may be wondering if this impacts your credit score and your ability to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a>. In this article, we\u2019ll look at the ins and outs of whether you can get car finance if you have, or have previously had, a DRO, and what you should know before applying.\r\n<h2>What is a Debt Relief Order (DRO)?<\/h2>\r\nA DRO is a way of dealing with debts if a person can\u2019t afford to repay them. When you have a DRO in place, you won\u2019t have to repay certain types of debt for the duration of the DRO. Once the DRO ends, which is usually after 12 months, any debts included in it will be written off.\r\n\r\nYou can only apply for a DRO through an \u2018approved intermediary\u2019, such as a debt advisor, who will check whether you meet the specific criteria. The application will then be sent to an \u2018official receiver\u2019 (this is an officer of the bankruptcy court), who will decide if the DRO is granted.\r\n\r\nThe criteria to be eligible for a DRO includes:\r\n<ul>\r\n \t<li>You owe \u00a330,000 or less<\/li>\r\n \t<li>You don\u2019t own your home<\/li>\r\n \t<li>You lived or worked in England or Wales in the previous three years<\/li>\r\n \t<li>You have less than \u00a375 to spend per month after bills and expenses<\/li>\r\n \t<li>The things of value that you own, and any savings you have, aren\u2019t worth more than \u00a32,000<\/li>\r\n \t<li>You haven\u2019t had a DRO in the previous six years<\/li>\r\n \t<li>You\u2019re not involved in bankruptcy proceedings or other insolvency proceedings<\/li>\r\n<\/ul>\r\n<h2>Does a Debt Relief Order affect your credit score?<\/h2>\r\nIf you\u2019ve got a Debt Relief Order, or have had one in the past, it will affect your credit score. This could make it more difficult to obtain credit in the future.\r\n\r\nAfter the 12-month period ends, it can still affect your ability to get credit. This is because a DRO will show on your credit file for six years from the date it was approved.\r\n\r\nWhether you are currently in a DRO, or had one in the past, there are some things you could do that might <a style=\"color: #000000;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>:\r\n<ul>\r\n \t<li>Check your credit report and make sure all your information is up to date<\/li>\r\n \t<li>Register for the electoral roll if you haven\u2019t already<\/li>\r\n \t<li>Try to keep your credit utilisation low and make repayments on time<\/li>\r\n<\/ul>\r\n<h2>Can you own a car while in a Debt Relief Order?<\/h2>\r\nWhether or not you can own a car while in a DRO depends on several factors. If you\u2019re unsure, you should check with your DRO advisor who can help further.\r\n\r\nGenerally, you can\u2019t apply for a DRO if you have more than \u00a32,000 in \u2018assets\u2019. This includes cash, money in bank accounts, savings, and the value of items you own such as your mobile phone.\r\n\r\nAccording to <a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/debt-solutions\/debt-relief-orders\/debt-relief-orders-explained\/how-income-debts-and-belongings-are-assessed-for-a-debt-relief-order\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a>, your car doesn\u2019t count as an asset so long as it is worth no more than \u00a32,000 in England and Wales, or \u00a31,000 if you live in Northern Ireland. Only one vehicle won\u2019t be counted as part of your assets. There are certain situations where this might be different, such as if you use the car for business purposes, or if the car has been adapted to accommodate a physical disability.\r\n\r\nIf you have a car on Conditional Sale finance, it may not be counted as an asset because you don\u2019t legally own the car. With CS agreements, the finance company owns the car until you make the final repayment. Depending on the circumstances, you may not be allowed to keep making repayments while the DRO is active.\r\n\r\nOther types of finance might be different, and some lenders might have a clause in the contract that lets them automatically end the agreement and re-possess the car if you enter a DRO.\r\n\r\nIf you\u2019re a Moneybarn customer and are experiencing financial difficulties, there is <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available<\/a>. Please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> and our team will be happy to discuss your options.\r\n<h2>Can you get car finance with a Debt Relief Order?<\/h2>\r\nDuring the first 12 months when a DRO is active, there are certain restrictions placed on you. One of those restrictions stops you from applying for credit or finance for more than \u00a3500 without telling a potential lender about your DRO.\r\n\r\nAs one of the criteria for being granted a DRO means you have \u00a375 or less in monthly disposable income, affordability checks usually mean a car finance agreement wouldn\u2019t be deemed affordable.\r\n\r\nIf you\u2019ve had a DRO in the past, you may need to use a specialist <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a> lender such as Moneybarn. A responsible lender will use several checks to make sure any finance they offer is affordable to you. At Moneybarn we\u2019d review your circumstances on an individual basis before deciding whether we can lend to you.\r\n\r\n<strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong>","title":"Can you get car finance with a Debt Relief Order (DRO)?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/applying-with-debt\/can-i-get-car-finance-with-a-dro\/","slug":"can-i-get-car-finance-with-a-dro","topics":"Applying with debt","keywords":""},{"id":26476,"content":"<p>So you\u2019re looking to get vehicle finance but are concerned you might struggle because of a previous default. What should you do?<\/p><p>We'll explain what a default is and some of the steps you could take.<\/p>\t\t\n\t\t\t<h2>What is a default?<\/h2>\t\t\n\t\t<p>A default means that, at some stage, you have failed to make the required repayments to a lender, and that this information has been added to your credit file. If you\u2019re in arrears with a lender, you might receive a \u2018default notice\u2019. This is a letter telling you that you\u2019ve failed to stick to repayment terms, and gives you a set amount of time (usually 14 days) to repay the debt. If you can\u2019t settle the outstanding debt, the account may officially default.<\/p><p>Defaults will impact your credit score and ability to get a finance agreement in the future. This is because lenders are hesitant to offer finance to people who might not make their repayments.<\/p><p>A default notice doesn\u2019t directly affect your credit score. However, when the account defaults, it gets recorded on your credit file.<\/p><p>By settling any outstanding debts, you can protect your credit rating and the chance of a poor credit report. A great way to start is by paying a little bit more on your monthly repayments until the outstanding debt is settled.<\/p>\t\t\n\t\t\t<h2>How can a default affect your credit score?<\/h2>\t\t\n\t\t<p>When a lender cancels your credit agreement due to missed payments, credit reference agencies get sent a default notice to add to your credit report. A default stays on your credit report for six years from the date of the default. If you settle the outstanding debt, it will not be removed, but will show as \u2018satisfied\u2019.<\/p><p>You might find it hard to get credit with unsatisfied defaults on your credit file. If there was a specific reason why you missed payments (job loss, long-term illness), you could contact the credit reference agencies to add a note to your credit report so that lenders understand why you got into the debt.<\/p><p>To reduce the impact of a default, you could try to pay it off as soon as you can and get it marked as satisfied. A lender might be more willing to offer you finance when your defaults are satisfied, and as a satisfied default gets older, it may become easier to get credit.<\/p>\t\t\n\t\t\t<h2>How does a default affect your ability to get car finance?<\/h2>\t\t\n\t\t<p>Everyone\u2019s <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligibility for car finance<\/a> is different. When you apply for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a>, a lender will look at all aspects of your personal circumstances. This includes affordability, credit score, and credit history. They'll examine your financial history and assess the risk of offering you finance.<\/p><p>It\u2019s best to avoid having any defaulted payments on your credit report. The more defaults you have, the less likely you'll be to have lenders approve your application.<\/p><p>Don\u2019t worry though, as you can still be approved for car finance even if you default, but you'll probably have to put down a higher deposit or face higher interest rates.<\/p>\t\t\n\t\t\t<h2>What to do if you\u2019re looking for car finance with a default<\/h2>\t\t\n\t\t<p>Let's look at what you can do that might make getting car finance easier if you have a default against your name.<\/p>\t\t\n\t\t\t<h3>Find out your credit score<\/h3>\t\t\n\t\t<p>Before you do anything else, find out exactly what potential lenders will know if they check your credit rating. It helps to do this even if you believe you have a good credit score, as you may have forgotten something.<\/p><p>Knowing your credit score means there'll be no nasty surprises. If you do have a default, you're already better prepared to do something about it.<\/p><p>We\u2019ve written a guide that explains the three credit reference agencies, and what scores are considered good. Find out more in our guide: <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">what is a good credit score<\/a>.<\/p>\t\t\n\t\t\t<h3>Don't ignore a default<\/h3>\t\t\n\t\t<p>If you've recently received a notice of default, make sure you look into it as soon as possible. If you ignore it, you may end up with a County Court Judgement (CCJ) against your name, which is far worse than unpaid debt.<\/p><p>A CCJ will likely impact you in other ways, not just any finance application you make. If you check your credit score and realise you have a default you were unaware of, you should contact the lender or company that issued the default to understand your options.<\/p><p>If you\u2019re experiencing financial difficulties and aren\u2019t sure what to do, then there are a number of not for profit debt advisory services you can contact:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange Debt Charity<\/a> \u2013 debt advice throughout the UK<\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debt Helpline<\/a> \u2013 debt advice and information for those in England, Wales and Scotland<\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> \u2013 easy to access money tools, information and advice.<\/li><\/ul><p>Learn more about CCJs from our blog - <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-ccj\/\">What is a CCJ?<\/a> or discover more about <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ccj\/\">CCJ car finance<\/a> if you have a County Court Judgement against your name.<\/p>\t\t\n\t\t\t<h3>Let your lender know<\/h3>\t\t\n\t\t<p>When you become aware of a default, contact your lender immediately to arrange repayment of the unpaid default. You should discuss a payment plan to settle the default amount, as any communications and attempt to rectify the problem can stand you in good stead if you try to get car finance in the future.<\/p>\t\t\n\t\t\t<h3>Issue a correction notice<\/h3>\t\t\n\t\t<p>If you've come across a default that's affecting your credit rating, you can add a statement to your online credit file. This short statement, known as a \"Notice of Correction\", should be less than 200 words to explain why you missed any repayments.\u00a0\u00a0\u00a0\u00a0\u00a0<\/p><p>The correction notice gives you a chance to explain your previous problems with payments to lenders. Showing this proactivity could have a positive impact on your future attempts to have a car loan approved.<\/p>\t\t\n\t\t\t<h3>Start improving your credit score<\/h3>\t\t\n\t\t<p>Your credit score is one factor that can help you get default car finance approved, so begin building your credit score in any way you can.<\/p><p>There are some quick things you might be able to do to improve your score:<\/p><ul><li>Make sure your credit report is up to date and correct<\/li><li>Register for the electoral roll if you haven\u2019t already<\/li><li>Avoid moving home too often<\/li><li>Try to ensure you get no late or missed payments.<\/li><\/ul><p>If you want to learn more about your credit score, these guides will come in handy:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>FAQs about getting car finance with a default<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1711\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1711\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What are the consequences of defaulting on a car loan?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>If you are struggling to make repayments, contact your lender as soon as possible to discuss your options. If you fall behind on your payments and aren\u2019t able to find a solution with your lender, they may issue a notice of default which may lead to the vehicle being repossessed.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1712\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1712\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">How many years until a default is removed?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Defaults remain on your credit file for six years, even if you\u2019ve settled the repayment associated with the default. Although this default is visible to lenders and could affect your ability to obtain finance in the future, there are plenty of steps you can take to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> and boost your likelihood of getting car finance, even with a default.<\/p>\n\t\t<p>So you\u2019re looking to get vehicle finance but are concerned you might struggle because of a previous default. What should you do?<\/p><p>We'll explain what a default is and some of the steps you could take.<\/p>\t\t\n\t\t\t<h2>What is a default?<\/h2>\t\t\n\t\t<p>A default means that, at some stage, you have failed to make the required repayments to a lender, and that this information has been added to your credit file. If you\u2019re in arrears with a lender, you might receive a \u2018default notice\u2019. This is a letter telling you that you\u2019ve failed to stick to repayment terms, and gives you a set amount of time (usually 14 days) to repay the debt. If you can\u2019t settle the outstanding debt, the account may officially default.<\/p><p>Defaults will impact your credit score and ability to get a finance agreement in the future. This is because lenders are hesitant to offer finance to people who might not make their repayments.<\/p><p>A default notice doesn\u2019t directly affect your credit score. However, when the account defaults, it gets recorded on your credit file.<\/p><p>By settling any outstanding debts, you can protect your credit rating and the chance of a poor credit report. A great way to start is by paying a little bit more on your monthly repayments until the outstanding debt is settled.<\/p>\t\t\n\t\t\t<h2>How can a default affect your credit score?<\/h2>\t\t\n\t\t<p>When a lender cancels your credit agreement due to missed payments, credit reference agencies get sent a default notice to add to your credit report. A default stays on your credit report for six years from the date of the default. If you settle the outstanding debt, it will not be removed, but will show as \u2018satisfied\u2019.<\/p><p>You might find it hard to get credit with unsatisfied defaults on your credit file. If there was a specific reason why you missed payments (job loss, long-term illness), you could contact the credit reference agencies to add a note to your credit report so that lenders understand why you got into the debt.<\/p><p>To reduce the impact of a default, you could try to pay it off as soon as you can and get it marked as satisfied. A lender might be more willing to offer you finance when your defaults are satisfied, and as a satisfied default gets older, it may become easier to get credit.<\/p>\t\t\n\t\t\t<h2>How does a default affect your ability to get car finance?<\/h2>\t\t\n\t\t<p>Everyone\u2019s <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligibility for car finance<\/a> is different. When you apply for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a>, a lender will look at all aspects of your personal circumstances. This includes affordability, credit score, and credit history. They'll examine your financial history and assess the risk of offering you finance.<\/p><p>It\u2019s best to avoid having any defaulted payments on your credit report. The more defaults you have, the less likely you'll be to have lenders approve your application.<\/p><p>Don\u2019t worry though, as you can still be approved for car finance even if you default, but you'll probably have to put down a higher deposit or face higher interest rates.<\/p>\t\t\n\t\t\t<h2>What to do if you\u2019re looking for car finance with a default<\/h2>\t\t\n\t\t<p>Let's look at what you can do that might make getting car finance easier if you have a default against your name.<\/p>\t\t\n\t\t\t<h3>Find out your credit score<\/h3>\t\t\n\t\t<p>Before you do anything else, find out exactly what potential lenders will know if they check your credit rating. It helps to do this even if you believe you have a good credit score, as you may have forgotten something.<\/p><p>Knowing your credit score means there'll be no nasty surprises. If you do have a default, you're already better prepared to do something about it.<\/p><p>We\u2019ve written a guide that explains the three credit reference agencies, and what scores are considered good. Find out more in our guide: <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">what is a good credit score<\/a>.<\/p>\t\t\n\t\t\t<h3>Don't ignore a default<\/h3>\t\t\n\t\t<p>If you've recently received a notice of default, make sure you look into it as soon as possible. If you ignore it, you may end up with a County Court Judgement (CCJ) against your name, which is far worse than unpaid debt.<\/p><p>A CCJ will likely impact you in other ways, not just any finance application you make. If you check your credit score and realise you have a default you were unaware of, you should contact the lender or company that issued the default to understand your options.<\/p><p>If you\u2019re experiencing financial difficulties and aren\u2019t sure what to do, then there are a number of not for profit debt advisory services you can contact:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange Debt Charity<\/a> \u2013 debt advice throughout the UK<\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debt Helpline<\/a> \u2013 debt advice and information for those in England, Wales and Scotland<\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> \u2013 easy to access money tools, information and advice.<\/li><\/ul><p>Learn more about CCJs from our blog - <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-ccj\/\">What is a CCJ?<\/a> or discover more about <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/ccj\/\">CCJ car finance<\/a> if you have a County Court Judgement against your name.<\/p>\t\t\n\t\t\t<h3>Let your lender know<\/h3>\t\t\n\t\t<p>When you become aware of a default, contact your lender immediately to arrange repayment of the unpaid default. You should discuss a payment plan to settle the default amount, as any communications and attempt to rectify the problem can stand you in good stead if you try to get car finance in the future.<\/p>\t\t\n\t\t\t<h3>Issue a correction notice<\/h3>\t\t\n\t\t<p>If you've come across a default that's affecting your credit rating, you can add a statement to your online credit file. This short statement, known as a \"Notice of Correction\", should be less than 200 words to explain why you missed any repayments.\u00a0\u00a0\u00a0\u00a0\u00a0<\/p><p>The correction notice gives you a chance to explain your previous problems with payments to lenders. Showing this proactivity could have a positive impact on your future attempts to have a car loan approved.<\/p>\t\t\n\t\t\t<h3>Start improving your credit score<\/h3>\t\t\n\t\t<p>Your credit score is one factor that can help you get default car finance approved, so begin building your credit score in any way you can.<\/p><p>There are some quick things you might be able to do to improve your score:<\/p><ul><li>Make sure your credit report is up to date and correct<\/li><li>Register for the electoral roll if you haven\u2019t already<\/li><li>Avoid moving home too often<\/li><li>Try to ensure you get no late or missed payments.<\/li><\/ul><p>If you want to learn more about your credit score, these guides will come in handy:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>FAQs about getting car finance with a default<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2071\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2071\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What are the consequences of defaulting on a car loan?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>If you are struggling to make repayments, contact your lender as soon as possible to discuss your options. If you fall behind on your payments and aren\u2019t able to find a solution with your lender, they may issue a notice of default which may lead to the vehicle being repossessed.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2072\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2072\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">How many years until a default is removed?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Defaults remain on your credit file for six years, even if you\u2019ve settled the repayment associated with the default. Although this default is visible to lenders and could affect your ability to obtain finance in the future, there are plenty of steps you can take to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> and boost your likelihood of getting car finance, even with a default.<\/p>","title":"Can you get car finance with a default?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/applying-with-debt\/can-you-get-car-finance-with-a-default\/","slug":"can-you-get-car-finance-with-a-default","topics":"Applying with debt","keywords":""},{"id":35316,"content":"<p>Whether you\u2019re searching for your next job, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-pensioners-get-car-finance\/\">retired<\/a>, or simply in between jobs, finding the funds to buy a new car can be challenging. You might be worried that, just because you\u2019re out of employment, you can\u2019t get a car on finance.<\/p><p>In this guide, we'll explain the things to consider when looking to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> if you don\u2019t have a job right now.<\/p>\t\t\n\t\t\t<h2>Can I get car finance if I'm in between jobs?<\/h2>\t\t\n\t\t<p>This is a situation that many people find themselves in. Even though you\u2019re between jobs, a car is still important to help you get around, and maybe even get to future job interviews.<\/p><p>Most lenders require you to have a certain monthly income to be eligible. You could research different lenders or depending on your circumstances you might wait until you\u2019ve been in the new job for a few months before applying for finance.<\/p><p>If you\u2019re in between jobs and claiming benefits, there are some lenders that accept applications for <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/car-finance-on-benefits\/\">car finance while claiming benefits<\/a>.<\/p>\t\t\n\t\t\t<h2>How long do I need to be in a job to get car finance?<\/h2>\t\t\n\t\t<p>If you aren\u2019t currently in a job or have only recently started a new job, you might find it difficult to get car finance. There is no set period of time you should be in a job for before applying for car finance. However, you might want to consider waiting three to six months before you apply, so that you have proof of income (such as 2 consecutive months of payslips, bank statements, or your tax return).<\/p>\t\t\n\t\t\t<h2>Can I get car finance as a homemaker?<\/h2>\t\t\n\t\t<p>If you\u2019re a housewife, househusband, or have left work to focus on childcare, you might be wondering if you are <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>.<\/p><p>Since you might not have an income by yourself, you might consider making a joint application for car finance. This is where you and another person in your household, such as your partner or family member, apply together. For more details, please see our guide on\u00a0<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a> that explains the things you should consider.<\/p>\t\t\n\t\t\t<h2>What car finance types are available when you\u2019re unemployed?<\/h2>\t\t\n\t\t<p>Just because you\u2019re unemployed, doesn\u2019t mean you can\u2019t apply for car finance like everyone else. The most popular types of car finance include Conditional Sale (CS), Personal Contract Purchase (PCP) and Hire Purchase (HP).<\/p>\t\t\n\t\t\t<h3>Conditional Sale (CS)<\/h3>\t\t\n\t\t<p><a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">CS car finance<\/a> is the type of finance we offer at Moneybarn. This is where the lender pays the dealership for you, and you make monthly repayments until the finance amount is repaid. During your agreement, you will be the registered keeper of the car, and once you\u2019ve made your final repayment, you will legally own it.<\/p>\t\t\n\t\t\t<h3>Personal Contract Purchase (PCP)<\/h3>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP car finance<\/a> is where you pay a small deposit to take out a loan to cover the depreciation of the car. You then make monthly repayments over the agreed term. At the end of the agreement, you have the option to:<\/p><ul><li>Trade in the car and start a PCP plan on a new car<\/li><li>Give the car back to the dealer<\/li><li>Make one final payment (the balloon payment) to keep the car.<\/li><\/ul>\t\t\n\t\t\t<h3>Hire Purchase (HP)<\/h3>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase<\/a> is where you borrow from a lender to buy a new car and make monthly repayments. You can then pay a final fee called the \u2018option to purchase\u2019 fee if you\u2019d like to own the car outright.<\/p><p>If you\u2019d like to learn more, check out our guide on\u00a0<a href=\"https:\/\/www.moneybarn.com\/car-finance\/car-finance-explained\/\">how car finance works<\/a>. It explains the different types of finance, and the pros and cons of each.<\/p>\t\t\n\t\t\t<h2>How can I improve my chances?<\/h2>\t\t\n\t\t<p>You will usually find it more difficult to get approved for car finance without a job. Lenders could see it as higher risk to lend to someone with no consistent income. Don\u2019t worry though, there are some things you could do that might help your chances.<\/p>\t\t\n\t\t\t<h3>Make a joint application or use a guarantor<\/h3>\t\t\n\t\t<p>A joint finance application is when you apply together with someone at the same address as you. This might be a partner or family member. This could give you more flexibility as it means that two incomes are considered. For more information, please see our guide on\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a>.<\/p><p>Some lenders allow you to use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guarantor\/\">guarantor for car finance<\/a>. This is where you add another person to your finance agreement who will be responsible should you not make your repayments.<\/p><p>Please note that we don\u2019t accept applications with a guarantor.<\/p>\t\t\n\t\t\t<h3>Check your credit score<\/h3>\t\t\n\t\t<p>Lenders will check your credit file, and the information in it, to understand your eligibility for car finance. Before you apply, it might be a good idea to check your score to see what it looks like.<\/p><p>If you don\u2019t know how to check your score, or aren\u2019t sure what it means, check out our guides:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h3>Increase your deposit amount<\/h3>\t\t\n\t\t<p>Another good way of increasing your chances of securing car finance when unemployed is by paying a large deposit. A higher deposit usually reduces your monthly repayments and can shorten your loan term.<\/p><p>If you\u2019re not sure, we\u2019ve written a guide to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/no-deposit\/\">no deposit car finance<\/a>, so you can make an informed decision. It explains what it is, and the pros and cons.<\/p>\t\t\n\t\t\t<h2>FAQs about how your employment affects car finance<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1031\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1031\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Do car finance companies check employment history?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>As part of your application you will usually have to provide details on your employment status. This could include your employment status, name of employer, job title, and salary. Some lenders may ask for further details on your employment history, but this varies depending on the lender.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1032\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1032\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I get car finance with no proof of income?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Most lenders will require some proof of income to make sure the finance they offer is affordable.<\/p><p>If you aren\u2019t employed because you are a homemaker and your partner has a job, then you could consider making a\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint finance application<\/a>. To do this, your monthly combined income must be over \u00a31,300 (after tax).<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1033\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1033\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What salary do you need for car finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>This depends on the lender. To apply with Moneybarn, you must have monthly earnings over \u00a31,000 (after tax).<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1034\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1034\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I get guaranteed car finance when unemployed?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>You should be wary of any lender claiming to offer guaranteed car finance, as this doesn\u2019t exist. A responsible lender will never tell you car finance is guaranteed even if you don\u2019t have a job.<\/p><p>Whether you have no employment history, or are simply in between jobs, finance can\u2019t be guaranteed to you. For more information please see our guide that explains why there\u2019s no such thing as\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guaranteed-car-finance\/\">guaranteed car finance<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1035\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1035\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Do car finance companies contact your employer?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Lenders will use a credit check to assess your eligibility for car finance. As part of this they may ask for further documents, such as proof of income. For example, if you applied with us, we ask for\u00a02 consecutive months of payslips, bank statements or your tax return.<\/p><p>We can\u2019t speak for all lenders, but usually car finance companies don\u2019t contact your employer directly. If they need extra documents, they would contact you to get them.<\/p>\n\t\t<p>Whether you\u2019re searching for your next job, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-pensioners-get-car-finance\/\">retired<\/a>, or simply in between jobs, finding the funds to buy a new car can be challenging. You might be worried that, just because you\u2019re out of employment, you can\u2019t get a car on finance.<\/p><p>In this guide, we'll explain the things to consider when looking to get <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> if you don\u2019t have a job right now.<\/p>\t\t\n\t\t\t<h2>Can I get car finance if I'm in between jobs?<\/h2>\t\t\n\t\t<p>This is a situation that many people find themselves in. Even though you\u2019re between jobs, a car is still important to help you get around, and maybe even get to future job interviews.<\/p><p>Most lenders require you to have a certain monthly income to be eligible. You could research different lenders or depending on your circumstances you might wait until you\u2019ve been in the new job for a few months before applying for finance.<\/p><p>If you\u2019re in between jobs and claiming benefits, there are some lenders that accept applications for <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/car-finance-on-benefits\/\">car finance while claiming benefits<\/a>.<\/p>\t\t\n\t\t\t<h2>How long do I need to be in a job to get car finance?<\/h2>\t\t\n\t\t<p>If you aren\u2019t currently in a job or have only recently started a new job, you might find it difficult to get car finance. There is no set period of time you should be in a job for before applying for car finance. However, you might want to consider waiting three to six months before you apply, so that you have proof of income (such as 2 consecutive months of payslips, bank statements, or your tax return).<\/p>\t\t\n\t\t\t<h2>Can I get car finance as a homemaker?<\/h2>\t\t\n\t\t<p>If you\u2019re a housewife, househusband, or have left work to focus on childcare, you might be wondering if you are <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>.<\/p><p>Since you might not have an income by yourself, you might consider making a joint application for car finance. This is where you and another person in your household, such as your partner or family member, apply together. For more details, please see our guide on\u00a0<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a> that explains the things you should consider.<\/p>\t\t\n\t\t\t<h2>What car finance types are available when you\u2019re unemployed?<\/h2>\t\t\n\t\t<p>Just because you\u2019re unemployed, doesn\u2019t mean you can\u2019t apply for car finance like everyone else. The most popular types of car finance include Conditional Sale (CS), Personal Contract Purchase (PCP) and Hire Purchase (HP).<\/p>\t\t\n\t\t\t<h3>Conditional Sale (CS)<\/h3>\t\t\n\t\t<p><a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">CS car finance<\/a> is the type of finance we offer at Moneybarn. This is where the lender pays the dealership for you, and you make monthly repayments until the finance amount is repaid. During your agreement, you will be the registered keeper of the car, and once you\u2019ve made your final repayment, you will legally own it.<\/p>\t\t\n\t\t\t<h3>Personal Contract Purchase (PCP)<\/h3>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP car finance<\/a> is where you pay a small deposit to take out a loan to cover the depreciation of the car. You then make monthly repayments over the agreed term. At the end of the agreement, you have the option to:<\/p><ul><li>Trade in the car and start a PCP plan on a new car<\/li><li>Give the car back to the dealer<\/li><li>Make one final payment (the balloon payment) to keep the car.<\/li><\/ul>\t\t\n\t\t\t<h3>Hire Purchase (HP)<\/h3>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase<\/a> is where you borrow from a lender to buy a new car and make monthly repayments. You can then pay a final fee called the \u2018option to purchase\u2019 fee if you\u2019d like to own the car outright.<\/p><p>If you\u2019d like to learn more, check out our guide on\u00a0<a href=\"https:\/\/www.moneybarn.com\/car-finance\/car-finance-explained\/\">how car finance works<\/a>. It explains the different types of finance, and the pros and cons of each.<\/p>\t\t\n\t\t\t<h2>How can I improve my chances?<\/h2>\t\t\n\t\t<p>You will usually find it more difficult to get approved for car finance without a job. Lenders could see it as higher risk to lend to someone with no consistent income. Don\u2019t worry though, there are some things you could do that might help your chances.<\/p>\t\t\n\t\t\t<h3>Make a joint application or use a guarantor<\/h3>\t\t\n\t\t<p>A joint finance application is when you apply together with someone at the same address as you. This might be a partner or family member. This could give you more flexibility as it means that two incomes are considered. For more information, please see our guide on\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint car finance<\/a>.<\/p><p>Some lenders allow you to use a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guarantor\/\">guarantor for car finance<\/a>. This is where you add another person to your finance agreement who will be responsible should you not make your repayments.<\/p><p>Please note that we don\u2019t accept applications with a guarantor.<\/p>\t\t\n\t\t\t<h3>Check your credit score<\/h3>\t\t\n\t\t<p>Lenders will check your credit file, and the information in it, to understand your eligibility for car finance. Before you apply, it might be a good idea to check your score to see what it looks like.<\/p><p>If you don\u2019t know how to check your score, or aren\u2019t sure what it means, check out our guides:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h3>Increase your deposit amount<\/h3>\t\t\n\t\t<p>Another good way of increasing your chances of securing car finance when unemployed is by paying a large deposit. A higher deposit usually reduces your monthly repayments and can shorten your loan term.<\/p><p>If you\u2019re not sure, we\u2019ve written a guide to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/no-deposit\/\">no deposit car finance<\/a>, so you can make an informed decision. It explains what it is, and the pros and cons.<\/p>\t\t\n\t\t\t<h2>FAQs about how your employment affects car finance<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2241\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2241\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Do car finance companies check employment history?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>As part of your application you will usually have to provide details on your employment status. This could include your employment status, name of employer, job title, and salary. Some lenders may ask for further details on your employment history, but this varies depending on the lender.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2242\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2242\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I get car finance with no proof of income?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Most lenders will require some proof of income to make sure the finance they offer is affordable.<\/p><p>If you aren\u2019t employed because you are a homemaker and your partner has a job, then you could consider making a\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint finance application<\/a>. To do this, your monthly combined income must be over \u00a31,300 (after tax).<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2243\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2243\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What salary do you need for car finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>This depends on the lender. To apply with Moneybarn, you must have monthly earnings over \u00a31,000 (after tax).<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2244\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2244\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I get guaranteed car finance when unemployed?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>You should be wary of any lender claiming to offer guaranteed car finance, as this doesn\u2019t exist. A responsible lender will never tell you car finance is guaranteed even if you don\u2019t have a job.<\/p><p>Whether you have no employment history, or are simply in between jobs, finance can\u2019t be guaranteed to you. For more information please see our guide that explains why there\u2019s no such thing as\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/guaranteed-car-finance\/\">guaranteed car finance<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2245\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2245\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Do car finance companies contact your employer?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Lenders will use a credit check to assess your eligibility for car finance. As part of this they may ask for further documents, such as proof of income. For example, if you applied with us, we ask for\u00a02 consecutive months of payslips, bank statements or your tax return.<\/p><p>We can\u2019t speak for all lenders, but usually car finance companies don\u2019t contact your employer directly. If they need extra documents, they would contact you to get them.<\/p>","title":"Can you get car finance when unemployed?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/who-we-can-accept\/can-you-get-car-finance-without-a-job\/","slug":"can-you-get-car-finance-without-a-job","topics":"Who we can accept","keywords":""},{"id":13462,"content":"<p>Overdrafts can be convenient, but they come with risks. It's important to manage an overdraft carefully to make sure you stay within any agreed limit, and also that you're not paying high interest fees each month.<\/p>\n<p>Depending on how you use it, your overdraft could also affect your ability to secure <a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a>.<\/p>\n<p>Below is some useful information on overdrafts and how they may affect your finance application.<\/p>\t\t\n\t\t\t<h2>What are the different types of overdrafts?<\/h2>\t\t\n\t\t<p>Before we take a look at how an overdraft can affect your credit score and your ability to get car finance, let's examine the different types of overdrafts.<\/p><p>There are two types of overdrafts, these are <strong>arranged <\/strong>and <strong>unarranged<\/strong>.<\/p><ul><li>An <strong>arranged overdraft <\/strong>is an amount your bank has agreed you can spend, when you don't have those funds in your account. For example, your bank agrees for you to have a \u00a3150 overdraft limit. This effectively means your bank is lending you \u00a3150. If you use all of the arranged overdraft amount, you\u2019ll have to pay that back before your balance will go back into credit and also before you\u2019ll be able to use the overdraft again.\u00a0<\/li><li>An <strong>unarranged overdraft<\/strong> usually happens when you spend more money than you have available in your account, including any arranged overdraft, without agreeing that first with your bank. <\/li><\/ul>\t\t\n\t\t\t<h2>Will an overdraft affect my credit score?<\/h2>\t\t\n\t\t<p>Having an overdraft may impact your credit file which could affect your chances of getting car finance.<\/p><p>An arranged overdraft is <strong>not likely<\/strong> to affect your credit rating significantly. Your credit score shouldn't be heavily impacted if you stay within your overdraft limit. If you regularly exceed your overdraft limit, this can damage your credit rating.<\/p><p>Car finance companies can see how much of your overdraft you use and your overdraft limit. If they see that you're frequently going over the limit, you might find it a bit more challenging to find a lender who will approve your vehicle finance application.<\/p><p>On the other hand, dipping into your overdraft every so often is less likely to impact your credit score significantly. If you don't go beyond your limit and your outstanding balance clears each month, then you\u2019re more likely to be seen as a reliable borrower.<\/p><p>There are several things you can do to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> if you have an overdraft, such as:<\/p><ul><li>Regularly paying off your overdraft<\/li><li>Staying within your limit and not using an unarranged overdraft<\/li><li>Consider switching to a bank account that charges lower fees for an overdraft, as this can help you to manage the debt more effectively.<\/li><\/ul><p>If you want to know what your credit score looks like, visit <a href=\"https:\/\/www.experian.co.uk\/\" target=\"_blank\" rel=\"noopener\">Experian<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.clearscore.com\/\" target=\"_blank\" rel=\"noopener\">ClearScore<\/a>, where you can view your credit score for free.<\/p><p>But if you just want to understand credit scores a little more, discover our other guides:<\/p><ul><li><a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>Will an overdraft appear on my credit report?<\/h2>\t\t\n\t\t<p>When you apply for car finance, the provider will do a credit check to see if you are <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>. It is also to make sure the finance offer is affordable for you.<\/p><p>This is the case whether you're applying for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase (HP)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">Personal Contract Purchase (PCP)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale (CS)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pch-finance\/\">Personal Contract Hire (PCH)<\/a>, or a personal loan.<\/p><p>Lenders have their preferred credit reference agencies they use to get this information. So, it's important to know what they'll see when they receive your report.<\/p><p>If you're overdrawn at the time of this report, then your overdraft will show up as debt. If not, it would show as a zero balance.<\/p><p>Credit reference agencies tend to receive reports from banks once a month. So, if you're only using your overdraft occasionally and then paying it off each month, it may not appear on these reports.<\/p>\t\t\n\t\t\t<h3>Why does an unarranged overdraft affect my credit score?<\/h3>\t\t\n\t\t<p>Unarranged overdrafts can negatively impact your credit score, as lenders may see this as poor financial management.<\/p><p>Relying on an unarranged overdraft might make it trickier to secure that car finance agreement you\u2019ve been hoping to take out.<\/p>\t\t\n\t\t\t<h2>Will increasing my overdraft limit affect my credit score?<\/h2>\t\t\n\t\t<p>A change in your personal circumstances or the loss of a job may cause you to increase your overdraft. This shouldn\u2019t affect your credit score. Yet, it may still have an indirect impact.<\/p><p>When you ask your bank to increase your overdraft, they will usually assess your credit history first. This means that they will need to run some credit checks. Many banks use a soft credit check for this, as it won't show up on your credit report.<\/p><p>However, some banks will use a hard credit check. This won't necessarily hurt your credit score, but it will appear on your credit report.<\/p><p>If you\u2019d like to know more about the differences in credit checks, learn more in our guide about <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/soft-search-vs-hard-search-credit-check\/\">soft search vs hard search credit checks<\/a>.<\/p>\t\t\n\t\t\t<h2>How does an overdraft affect my car finance application?<\/h2>\t\t\n\t\t<p>If you plan ahead and let your bank know that you need an overdraft, it\u2019s less likely to affect your credit rating negatively. It also shouldn't prevent you from being able to secure car finance. Still, if you're not using your overdraft responsibly, the lender might view you as higher risk.<\/p><p>When you apply for car finance, the lender may ask for proof of income (such as 2 consecutive months of payslips, bank statements, or your tax return), so they can see how you're using your overdraft if you have one.<\/p><p>If they see that you're regularly over your limit and use an unarranged overdraft or rarely pay it off, your application may be rejected. If you\u2019ve been refused, check out our guide for people that have been <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">refused car finance<\/a>. It will explain the common reasons you might have been refused and what this means for you.<\/p><p>It is worth noting that each car finance provider has different eligibility rules, and some lenders are stricter than others.<\/p><p>Overdrafts can be convenient, but they come with risks. It's important to manage an overdraft carefully to make sure you stay within any agreed limit, and also that you're not paying high interest fees each month.<\/p>\n<p>Depending on how you use it, your overdraft could also affect your ability to secure <a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a>.<\/p>\n<p>Below is some useful information on overdrafts and how they may affect your finance application.<\/p>\t\t\n\t\t\t<h2>What are the different types of overdrafts?<\/h2>\t\t\n\t\t<p>Before we take a look at how an overdraft can affect your credit score and your ability to get car finance, let's examine the different types of overdrafts.<\/p><p>There are two types of overdrafts, these are <strong>arranged <\/strong>and <strong>unarranged<\/strong>.<\/p><ul><li>An <strong>arranged overdraft <\/strong>is an amount your bank has agreed you can spend, when you don't have those funds in your account. For example, your bank agrees for you to have a \u00a3150 overdraft limit. This effectively means your bank is lending you \u00a3150. If you use all of the arranged overdraft amount, you\u2019ll have to pay that back before your balance will go back into credit and also before you\u2019ll be able to use the overdraft again.\u00a0<\/li><li>An <strong>unarranged overdraft<\/strong> usually happens when you spend more money than you have available in your account, including any arranged overdraft, without agreeing that first with your bank. <\/li><\/ul>\t\t\n\t\t\t<h2>Will an overdraft affect my credit score?<\/h2>\t\t\n\t\t<p>Having an overdraft may impact your credit file which could affect your chances of getting car finance.<\/p><p>An arranged overdraft is <strong>not likely<\/strong> to affect your credit rating significantly. Your credit score shouldn't be heavily impacted if you stay within your overdraft limit. If you regularly exceed your overdraft limit, this can damage your credit rating.<\/p><p>Car finance companies can see how much of your overdraft you use and your overdraft limit. If they see that you're frequently going over the limit, you might find it a bit more challenging to find a lender who will approve your vehicle finance application.<\/p><p>On the other hand, dipping into your overdraft every so often is less likely to impact your credit score significantly. If you don't go beyond your limit and your outstanding balance clears each month, then you\u2019re more likely to be seen as a reliable borrower.<\/p><p>There are several things you can do to <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a> if you have an overdraft, such as:<\/p><ul><li>Regularly paying off your overdraft<\/li><li>Staying within your limit and not using an unarranged overdraft<\/li><li>Consider switching to a bank account that charges lower fees for an overdraft, as this can help you to manage the debt more effectively.<\/li><\/ul><p>If you want to know what your credit score looks like, visit <a href=\"https:\/\/www.experian.co.uk\/\" target=\"_blank\" rel=\"noopener\">Experian<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.clearscore.com\/\" target=\"_blank\" rel=\"noopener\">ClearScore<\/a>, where you can view your credit score for free.<\/p><p>But if you just want to understand credit scores a little more, discover our other guides:<\/p><ul><li><a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>Will an overdraft appear on my credit report?<\/h2>\t\t\n\t\t<p>When you apply for car finance, the provider will do a credit check to see if you are <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">eligible for car finance<\/a>. It is also to make sure the finance offer is affordable for you.<\/p><p>This is the case whether you're applying for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-hire-purchase\/\">Hire Purchase (HP)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">Personal Contract Purchase (PCP)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale (CS)<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pch-finance\/\">Personal Contract Hire (PCH)<\/a>, or a personal loan.<\/p><p>Lenders have their preferred credit reference agencies they use to get this information. So, it's important to know what they'll see when they receive your report.<\/p><p>If you're overdrawn at the time of this report, then your overdraft will show up as debt. If not, it would show as a zero balance.<\/p><p>Credit reference agencies tend to receive reports from banks once a month. So, if you're only using your overdraft occasionally and then paying it off each month, it may not appear on these reports.<\/p>\t\t\n\t\t\t<h3>Why does an unarranged overdraft affect my credit score?<\/h3>\t\t\n\t\t<p>Unarranged overdrafts can negatively impact your credit score, as lenders may see this as poor financial management.<\/p><p>Relying on an unarranged overdraft might make it trickier to secure that car finance agreement you\u2019ve been hoping to take out.<\/p>\t\t\n\t\t\t<h2>Will increasing my overdraft limit affect my credit score?<\/h2>\t\t\n\t\t<p>A change in your personal circumstances or the loss of a job may cause you to increase your overdraft. This shouldn\u2019t affect your credit score. Yet, it may still have an indirect impact.<\/p><p>When you ask your bank to increase your overdraft, they will usually assess your credit history first. This means that they will need to run some credit checks. Many banks use a soft credit check for this, as it won't show up on your credit report.<\/p><p>However, some banks will use a hard credit check. This won't necessarily hurt your credit score, but it will appear on your credit report.<\/p><p>If you\u2019d like to know more about the differences in credit checks, learn more in our guide about <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/soft-search-vs-hard-search-credit-check\/\">soft search vs hard search credit checks<\/a>.<\/p>\t\t\n\t\t\t<h2>How does an overdraft affect my car finance application?<\/h2>\t\t\n\t\t<p>If you plan ahead and let your bank know that you need an overdraft, it\u2019s less likely to affect your credit rating negatively. It also shouldn't prevent you from being able to secure car finance. Still, if you're not using your overdraft responsibly, the lender might view you as higher risk.<\/p><p>When you apply for car finance, the lender may ask for proof of income (such as 2 consecutive months of payslips, bank statements, or your tax return), so they can see how you're using your overdraft if you have one.<\/p><p>If they see that you're regularly over your limit and use an unarranged overdraft or rarely pay it off, your application may be rejected. If you\u2019ve been refused, check out our guide for people that have been <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">refused car finance<\/a>. It will explain the common reasons you might have been refused and what this means for you.<\/p><p>It is worth noting that each car finance provider has different eligibility rules, and some lenders are stricter than others.<\/p>","title":"Can you get car finance with an overdraft?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/applying-with-debt\/can-i-get-car-finance-with-an-overdraft\/","slug":"can-i-get-car-finance-with-an-overdraft","topics":"Applying with debt","keywords":""},{"id":13456,"content":"<p>Owning two cars is more common than you think - particularly for families. But purchasing cars can be expensive, which is why most car owners choose <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> over buying their vehicles outright.<\/p><p>But can you finance two cars at once? And is there anything that could increase your chances of getting approved for a second vehicle finance agreement?<\/p><p>If you find yourself asking these questions, this guide is for you. This article will explain the ins and outs of financing two vehicles at the same time.<\/p>\t\t\n\t\t\t<h2>Is it possible to finance two cars at once?<\/h2>\t\t\n\t\t<p>When you take out a vehicle finance agreement, it's important to read the lender's terms and conditions.<\/p><p>For a single applicant, finding a lender that allows two cars financed under one name might be challenging. But you might be able to take out finance for multiple vehicle types - such as a car and a motorbike - instead.<\/p><p>Some lenders allow you to make a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint finance application<\/a> if you\u2019re looking to get a second car on finance.<\/p>\t\t\n\t\t\t<h2>How many vehicles can I finance in my name?<\/h2>\t\t\n\t\t<p>Each lender is different. Some lenders will allow you to finance multiple vehicles at once, whilst others won't.<\/p><p>With Moneybarn, you can apply for multiple vehicles on finance as long as you fit within our multiple vehicle criteria and your application passes our <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability checks<\/a>.<\/p><p>A single applicant (meaning you are the only person on the application) can have a car, motorbike, or van all on finance with us. You are not, however, allowed to finance two cars on a single-applicant application.<\/p>\t\t\n\t\t\t<h2>Getting approved for a second vehicle finance agreement<\/h2>\t\t\n\t\t<p>Several factors come into play when lenders evaluate your car finance application. These include:<\/p>\t\t\n\t\t\t<h3>Income<\/h3>\t\t\n\t\t<p>Naturally, a lender will want to make sure your income can cover the costs of repaying your vehicle finance repayments. This is because they need to know that you won\u2019t miss payments.<\/p><p>Most lenders will want to see that you have money coming into your bank regularly and can afford to make vehicle finance repayments.<\/p><p>To get finance with us, you\u2019ll need monthly earnings over \u00a31,000 (after tax).<\/p>\t\t\n\t\t\t<h3>Credit history<\/h3>\t\t\n\t\t<p>Lenders often look at your credit file to determine whether they should approve you for a finance agreement. This might include examining your credit history and seeing how you\u2019ve managed previous credit.<\/p><p>If you have a bad credit score, you might find that some lenders won\u2019t approve you, though some may provide <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">car finance for those with bad credit<\/a>.<\/p><p>If you\u2019re unsure of what your credit score looks like, take a look at <a style=\"color: #ef8200;\" href=\"https:\/\/www.experian.co.uk\/\" target=\"_blank\" rel=\"noopener\">Experian<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.clearscore.com\/\" target=\"_blank\" rel=\"noopener\">ClearScore<\/a>, where you can view your credit score for free.<\/p><p>Or if you need to improve your credit score or just want to find out a bit more, discover our other guides:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>How you might increase your chances of being approved<\/h2>\t\t\n\t\t<p>There are some things you could do that might increase your chances of securing a finance agreement for a second vehicle.<\/p>\t\t\n\t\t\t<h3>Put down a larger deposit<\/h3>\t\t\n\t\t<p>If you can afford to put down a larger deposit upfront, this may lower your monthly payments for the additional vehicle. This could then help you afford the combined monthly payments for multiple vehicles.<\/p><p>We've created a guide on <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/do-i-need-a-deposit-for-car-finance\/\">car finance deposits<\/a> to help you decide if putting down a larger deposit is the right option for you.<\/p>\t\t\n\t\t\t<h3>Build your credit score<\/h3>\t\t\n\t\t<p>You can also take some time to rebuild your credit score. A lot of lenders are more likely to accept applicants with a stronger credit score. So, it might be a good idea to work off any outstanding debts and keep up with your current payments to improve your score.<\/p>\n<p>If you\u2019re experiencing financial difficulties and struggling to make your repayments, get in touch with your lenders to discuss the different options available to you. Or, you might want to consider reaching out to a not for profit debt advisory service like <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/contact-us.aspx\" target=\"_blank\" rel=\"noopener\">StepChange<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a>.<\/p>\t\t\n\t\t\t<h3>Stagger your applications<\/h3>\t\t\n\t\t<p>If you\u2019re applying for multiple vehicle finance agreements simultaneously, your credit score might drop. Some lenders could see it as you being reliant on credit, and view you as a higher risk to offer finance to.<\/p><p>For more information, check out our guide on <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-increase-your-chances-of-getting-finance\/\">how to increase your chances of getting car finance<\/a>.<\/p>\t\t\n\t\t\t<h2>Does having two vehicle loans affect your credit score?<\/h2>\t\t\n\t\t<p>You might see an initial dip in your credit score once you\u2019ve been approved. But if you make your repayments on time and don\u2019t default, your credit score should quickly improve as long as you don\u2019t take out multiple loans in quick succession. If you are looking to get two vehicles on finance, you might want to spread the finance applications out. This is because there may be hard credit checks which impact your credit score.<\/p><p>Repaying your car finance agreement on time and in full each month will help to improve your credit score over the long run.<\/p><p>Owning two cars is more common than you think - particularly for families. But purchasing cars can be expensive, which is why most car owners choose <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> over buying their vehicles outright.<\/p><p>But can you finance two cars at once? And is there anything that could increase your chances of getting approved for a second vehicle finance agreement?<\/p><p>If you find yourself asking these questions, this guide is for you. This article will explain the ins and outs of financing two vehicles at the same time.<\/p>\t\t\n\t\t\t<h2>Is it possible to finance two cars at once?<\/h2>\t\t\n\t\t<p>When you take out a vehicle finance agreement, it's important to read the lender's terms and conditions.<\/p><p>For a single applicant, finding a lender that allows two cars financed under one name might be challenging. But you might be able to take out finance for multiple vehicle types - such as a car and a motorbike - instead.<\/p><p>Some lenders allow you to make a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint finance application<\/a> if you\u2019re looking to get a second car on finance.<\/p>\t\t\n\t\t\t<h2>How many vehicles can I finance in my name?<\/h2>\t\t\n\t\t<p>Each lender is different. Some lenders will allow you to finance multiple vehicles at once, whilst others won't.<\/p><p>With Moneybarn, you can apply for multiple vehicles on finance as long as you fit within our multiple vehicle criteria and your application passes our <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability checks<\/a>.<\/p><p>A single applicant (meaning you are the only person on the application) can have a car, motorbike, or van all on finance with us. You are not, however, allowed to finance two cars on a single-applicant application.<\/p>\t\t\n\t\t\t<h2>Getting approved for a second vehicle finance agreement<\/h2>\t\t\n\t\t<p>Several factors come into play when lenders evaluate your car finance application. These include:<\/p>\t\t\n\t\t\t<h3>Income<\/h3>\t\t\n\t\t<p>Naturally, a lender will want to make sure your income can cover the costs of repaying your vehicle finance repayments. This is because they need to know that you won\u2019t miss payments.<\/p><p>Most lenders will want to see that you have money coming into your bank regularly and can afford to make vehicle finance repayments.<\/p><p>To get finance with us, you\u2019ll need monthly earnings over \u00a31,000 (after tax).<\/p>\t\t\n\t\t\t<h3>Credit history<\/h3>\t\t\n\t\t<p>Lenders often look at your credit file to determine whether they should approve you for a finance agreement. This might include examining your credit history and seeing how you\u2019ve managed previous credit.<\/p><p>If you have a bad credit score, you might find that some lenders won\u2019t approve you, though some may provide <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">car finance for those with bad credit<\/a>.<\/p><p>If you\u2019re unsure of what your credit score looks like, take a look at <a style=\"color: #ef8200;\" href=\"https:\/\/www.experian.co.uk\/\" target=\"_blank\" rel=\"noopener\">Experian<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.clearscore.com\/\" target=\"_blank\" rel=\"noopener\">ClearScore<\/a>, where you can view your credit score for free.<\/p><p>Or if you need to improve your credit score or just want to find out a bit more, discover our other guides:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">What affects your credit score?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">How to improve your credit score<\/a><\/li><\/ul>\t\t\n\t\t\t<h2>How you might increase your chances of being approved<\/h2>\t\t\n\t\t<p>There are some things you could do that might increase your chances of securing a finance agreement for a second vehicle.<\/p>\t\t\n\t\t\t<h3>Put down a larger deposit<\/h3>\t\t\n\t\t<p>If you can afford to put down a larger deposit upfront, this may lower your monthly payments for the additional vehicle. This could then help you afford the combined monthly payments for multiple vehicles.<\/p><p>We've created a guide on <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/do-i-need-a-deposit-for-car-finance\/\">car finance deposits<\/a> to help you decide if putting down a larger deposit is the right option for you.<\/p>\t\t\n\t\t\t<h3>Build your credit score<\/h3>\t\t\n\t\t<p>You can also take some time to rebuild your credit score. A lot of lenders are more likely to accept applicants with a stronger credit score. So, it might be a good idea to work off any outstanding debts and keep up with your current payments to improve your score.<\/p>\n<p>If you\u2019re experiencing financial difficulties and struggling to make your repayments, get in touch with your lenders to discuss the different options available to you. Or, you might want to consider reaching out to a not for profit debt advisory service like <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/contact-us.aspx\" target=\"_blank\" rel=\"noopener\">StepChange<\/a> or <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a>.<\/p>\t\t\n\t\t\t<h3>Stagger your applications<\/h3>\t\t\n\t\t<p>If you\u2019re applying for multiple vehicle finance agreements simultaneously, your credit score might drop. Some lenders could see it as you being reliant on credit, and view you as a higher risk to offer finance to.<\/p><p>For more information, check out our guide on <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-increase-your-chances-of-getting-finance\/\">how to increase your chances of getting car finance<\/a>.<\/p>\t\t\n\t\t\t<h2>Does having two vehicle loans affect your credit score?<\/h2>\t\t\n\t\t<p>You might see an initial dip in your credit score once you\u2019ve been approved. But if you make your repayments on time and don\u2019t default, your credit score should quickly improve as long as you don\u2019t take out multiple loans in quick succession. If you are looking to get two vehicles on finance, you might want to spread the finance applications out. This is because there may be hard credit checks which impact your credit score.<\/p><p>Repaying your car finance agreement on time and in full each month will help to improve your credit score over the long run.<\/p>","title":"Can you finance two cars at once?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/can-you-have-two-cars-on-finance-at-once\/","slug":"can-you-have-two-cars-on-finance-at-once","topics":"The vehicle","keywords":""},{"id":26477,"content":"<p>To be eligible for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a> with Moneybarn, you must be within our upper age limit of 75 years old at the point of application.<\/p><p>We're here to help you onto a better road ahead. You could join the thousands of customers we help with vehicle finance each month. Including if you're a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-pensioners-get-car-finance\/\">pensioner looking for car finance<\/a>.<\/p>\t\t\n\t\t\t<h2>Can a 75 year old get car finance?<\/h2>\t\t\n\t\t<p>Each lender has their own checks and requirements. That includes lower and upper age limits for car finance.<\/p><p>We accept applicants up to the age of 75 years old. So, for example if you are 75 years, 11 months and 28 days old when you apply, you are still eligible for vehicle finance with us.<\/p><p>We use a soft credit check when you apply. This doesn't impact your credit score, but gives you an indication on whether or not we could offer you finance. That includes checking whether you are within the upper age limit.<\/p><p>We only use a hard credit check once you decide you'd like an agreement with us, and contracts are drawn up for you to sign.<\/p><p>Please note that there are a variety of factors that affect your eligibility for car finance.\u00a0Find out more about\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/\">how finance with us works<\/a>, learn more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">car finance eligibility checks<\/a>, or if you're ready, our <a href=\"https:\/\/www.moneybarn.com\/apply\/\">online application<\/a>\u00a0is quick and easy to submit.<\/p><p>To be eligible for <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a> with Moneybarn, you must be within our upper age limit of 75 years old at the point of application.<\/p><p>We're here to help you onto a better road ahead. You could join the thousands of customers we help with vehicle finance each month. Including if you're a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-pensioners-get-car-finance\/\">pensioner looking for car finance<\/a>.<\/p>\t\t\n\t\t\t<h2>Can a 75 year old get car finance?<\/h2>\t\t\n\t\t<p>Each lender has their own checks and requirements. That includes lower and upper age limits for car finance.<\/p><p>We accept applicants up to the age of 75 years old. So, for example if you are 75 years, 11 months and 28 days old when you apply, you are still eligible for vehicle finance with us.<\/p><p>We use a soft credit check when you apply. This doesn't impact your credit score, but gives you an indication on whether or not we could offer you finance. That includes checking whether you are within the upper age limit.<\/p><p>We only use a hard credit check once you decide you'd like an agreement with us, and contracts are drawn up for you to sign.<\/p><p>Please note that there are a variety of factors that affect your eligibility for car finance.\u00a0Find out more about\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/\">how finance with us works<\/a>, learn more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">car finance eligibility checks<\/a>, or if you're ready, our <a href=\"https:\/\/www.moneybarn.com\/apply\/\">online application<\/a>\u00a0is quick and easy to submit.<\/p>","title":"What is the maximum age limit for car finance?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/who-we-can-accept\/what-is-the-maximum-age-limit-for-car-finance\/","slug":"what-is-the-maximum-age-limit-for-car-finance","topics":"Who we can accept","keywords":""},{"id":13755,"content":"<p>Being on the electoral roll is not a specific requirement for getting car finance. However, you might find it more difficult as not being on the electoral roll may impact your credit score.<\/p><p>We'd recommend registering to vote as it's one way you could <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>. Checking your credit score and doing small things to improve it is one of the ways you could increase your chances of being accepted.<\/p><p>Also, lenders use the information on your credit report to confirm your identity. Not being on the electoral roll might make the finance process slower, because a lender may need other documents to verify your application.<\/p><p>Find out <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-do-you-need-to-apply-for-car-finance\/\">what documents you might need for car finance<\/a> with our guide.<\/p><p>If you're not on the electoral roll and are looking for car finance, don't worry. You could join the thousands of customers we help with finance each month.<\/p><p>We've written a guide explaining <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/\">how finance with us works<\/a>, or find out more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">car finance eligibility checks<\/a> to see if we can help.<\/p><p>Or, if you're ready, our <a style=\"color: #ef8200;\" href=\"\/apply\/\">online application form<\/a> will not impact your credit score and will give you a quick answer as to whether we can help you.<\/p><p>Being on the electoral roll is not a specific requirement for getting car finance. However, you might find it more difficult as not being on the electoral roll may impact your credit score.<\/p><p>We'd recommend registering to vote as it's one way you could <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/how-to-improve-your-credit-score\/\">improve your credit score<\/a>. Checking your credit score and doing small things to improve it is one of the ways you could increase your chances of being accepted.<\/p><p>Also, lenders use the information on your credit report to confirm your identity. Not being on the electoral roll might make the finance process slower, because a lender may need other documents to verify your application.<\/p><p>Find out <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-do-you-need-to-apply-for-car-finance\/\">what documents you might need for car finance<\/a> with our guide.<\/p><p>If you're not on the electoral roll and are looking for car finance, don't worry. You could join the thousands of customers we help with finance each month.<\/p><p>We've written a guide explaining <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/\">how finance with us works<\/a>, or find out more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/eligibility-checker\/\">car finance eligibility checks<\/a> to see if we can help.<\/p><p>Or, if you're ready, our <a style=\"color: #ef8200;\" href=\"\/apply\/\">online application form<\/a> will not impact your credit score and will give you a quick answer as to whether we can help you.<\/p>","title":"Do I have to be on the electoral roll for car finance?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/checking-eligibility\/who-we-can-accept\/do-i-have-to-be-on-electoral-roll-for-car-finance\/","slug":"do-i-have-to-be-on-electoral-roll-for-car-finance","topics":"Who we can accept","keywords":""},{"id":38075,"content":"<p>Where you are introduced to Moneybarn by a 3rd party credit broker or introducer, we will pay the intermediary a commission payment for introducing you to us. It may be a fixed amount, or it may be as a percentage of the amount of your credit. We recover amounts we pay as commission through our conditional sale agreements (as a whole) like any other business cost. This means any commission paid regarding your agreement is not only covered from you. We or your credit intermediary will tell you about the amount and nature of the commission before you enter into an agreement.<\/p><p>Some motor finance lenders used to use a Difference in Charges (DiC) commission structure, this means that the amount of commission received by the 3rd party introducer credit broker is linked to the interest rate paid by the customer. The FCA has banned DiC commission models as they give motor finance brokers an incentive to raise customers\u2019 finance costs, this ban came into effect on 28 January 2021. Moneybarn has never operated DiC or discretionary commission models, the commission paid to our brokers and introducers has always been a fixed fee or percentage of the loan amount.<\/p><p>It is important you understand the commission payment being made for your introduction. If you have any questions or need further information about the commission which will be paid for your introduction, you can ask your introducer for this information prior to entering into the agreement.<\/p><p>Where you are introduced to Moneybarn by a 3rd party credit broker or introducer, we will pay the intermediary a commission payment for introducing you to us. It may be a fixed amount, or it may be as a percentage of the amount of your credit. We recover amounts we pay as commission through our conditional sale agreements (as a whole) like any other business cost. This means any commission paid regarding your agreement is not only covered from you. We or your credit intermediary will tell you about the amount and nature of the commission before you enter into an agreement.<\/p><p>Some motor finance lenders used to use a Difference in Charges (DiC) commission structure, this means that the amount of commission received by the 3rd party introducer credit broker is linked to the interest rate paid by the customer. The FCA has banned DiC commission models as they give motor finance brokers an incentive to raise customers\u2019 finance costs, this ban came into effect on 28 January 2021. Moneybarn has never operated DiC or discretionary commission models, the commission paid to our brokers and introducers has always been a fixed fee or percentage of the loan amount.<\/p><p>It is important you understand the commission payment being made for your introduction. If you have any questions or need further information about the commission which will be paid for your introduction, you can ask your introducer for this information prior to entering into the agreement.<\/p>","title":"Does Moneybarn pay commission?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/does-moneybarn-pay-commission\/","slug":"does-moneybarn-pay-commission","topics":"Your application","keywords":""},{"id":423,"content":"<p>We\u2019re a <strong>lender <\/strong>that offers <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale vehicle finance<\/a>. This means we provide you with the finance you need, by paying the dealership you choose, for the vehicle you want (if it fits within our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>). Visit our guide to learn more about the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/car-finance-explained\/\">types of vehicle finance<\/a>.<\/p>\n<p>We will be the legal owners of the vehicle whilst you are paying us back in regular monthly payments. Our agreements last between 36 and 60 months. Once you make your final payment and complete the <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a> agreement you will become the legal owner.<\/p>\n<p>A vehicle finance <strong>broker<\/strong> is very different. They do not lend money but will help you find a lender that would offer you the finance need. Think of them as more of a search engine for finance, often showing you multiple options to choose from.<\/p><p>We\u2019re a <strong>lender <\/strong>that offers <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale vehicle finance<\/a>. This means we provide you with the finance you need, by paying the dealership you choose, for the vehicle you want (if it fits within our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>). Visit our guide to learn more about the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/car-finance-explained\/\">types of vehicle finance<\/a>.<\/p>\n<p>We will be the legal owners of the vehicle whilst you are paying us back in regular monthly payments. Our agreements last between 36 and 60 months. Once you make your final payment and complete the <a style=\"color: #ef8200;\" href=\"\/car-finance\/\">car finance<\/a> agreement you will become the legal owner.<\/p>\n<p>A vehicle finance <strong>broker<\/strong> is very different. They do not lend money but will help you find a lender that would offer you the finance need. Think of them as more of a search engine for finance, often showing you multiple options to choose from.<\/p>","title":"Is Moneybarn a broker or a lender?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/is-moneybarn-a-broker-or-a-lender\/","slug":"is-moneybarn-a-broker-or-a-lender","topics":"Your application","keywords":""},{"id":29003,"content":"The simplest way to make a rights request is by logging an online rights request on <a style=\"color: #ef8200;\" href=\"https:\/\/privacyportal-de.onetrust.com\/webform\/689e1f46-d458-4441-9b2b-da39804414f8\/6e13d635-776a-4441-96fd-a3374a86a804\">our portal<\/a>. If you are unable to do this then you can also contact us by:\n<ul>\n \t<li>Calling us. You can make a verbal request by calling our contact centre on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a><\/li>\n \t<li>Writing to us at\u2013 Data Protection Officer, Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ<\/li>\n \t<li>Emailing us at \u00a0<a style=\"color: #ef8200;\" href=\"mailto:datarightsteam@moneybarn.com\">datarightsteam@moneybarn.com<\/a>.<\/li>\n<\/ul>\n \n \n \n \n The simplest way to make a rights request is by logging an online rights request on <a style=\"color: #ef8200;\" href=\"https:\/\/privacyportal-de.onetrust.com\/webform\/689e1f46-d458-4441-9b2b-da39804414f8\/6e13d635-776a-4441-96fd-a3374a86a804\">our portal<\/a>. If you are unable to do this then you can also contact us by:\n<ul>\n \t<li>Calling us. You can make a verbal request by calling our contact centre on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a><\/li>\n \t<li>Writing to us at\u2013 Data Protection Officer, Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ<\/li>\n \t<li>Emailing us at \u00a0<a style=\"color: #ef8200;\" href=\"mailto:datarightsteam@moneybarn.com\">datarightsteam@moneybarn.com<\/a>.<\/li>\n<\/ul>\n \n \n \n \n ","title":"How do I make a rights request?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-i-make-a-rights-request\/","slug":"how-do-i-make-a-rights-request","topics":"Your account","keywords":""},{"id":426,"content":"<p>It\u2019s easy to get in touch with us, you can do so via one of the following options, and we\u2019ll do our best to put things right:<\/p><p><strong>Customer Service:<\/strong> If you are looking to speak to a member of our Customer Services Team then please call us on <a href=\"tel:0330 555 1230\">0330 555 1230<\/a>, or email us at\u00a0<a style=\"color: #ef8200;\" href=\"mailto:customerservices@moneybarn.com\">customerservices@moneybarn.com<\/a>.<\/p><p><strong>My Moneybarn:<\/strong> You can send us a secure message via your\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a> account. Alongside this, you can also request an <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">Early Settlement Figure<\/a> (ESF) with our built-in ESF feature; make a payment; find out when your next payment is due; change your Direct Debit payment date; and see your current balance.<\/p><p><strong>Other: <\/strong>If you would like to speak to any of our other teams, including Direct Sales, Complaints or Recoveries then you can find their information on our\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a>\u00a0page.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"300\" height=\"170\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2020\/10\/Call-center.jpg\" alt=\"Agent helping customer\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>It\u2019s easy to get in touch with us, you can do so via one of the following options, and we\u2019ll do our best to put things right:<\/p>\n<p><strong>Customer Service:<\/strong> If you are looking to speak to a member of our Customer Services Team then please call us on <a href=\"tel:0330 555 1230\">0330 555 1230<\/a>, or email us at <a style=\"color: #ef8200;\" href=\"mailto:customerservices@moneybarn.com\">customerservices@moneybarn.com<\/a>.<\/p>\n<p><strong>My Moneybarn:<\/strong> You can send us a secure message via your <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a> account. Alongside this, you can also request an <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">Early Settlement Figure<\/a> (ESF) with our built-in ESF feature; make a payment; find out when your next payment is due; change your Direct Debit payment date; and see your current balance.<\/p>\n \n<p><strong>Other: <\/strong>If you would like to speak to any of our other teams, including Direct Sales, Complaints or Recoveries then you can find their information on our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"300\" height=\"170\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2020\/10\/Call-center.jpg\" alt=\"Agent helping customer\" loading=\"lazy\" \/>","title":"How do I contact you?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/contacting-us\/how-do-i-contact-you\/","slug":"how-do-i-contact-you","topics":"Contacting us","keywords":""},{"id":21457,"content":"<p>On 04 May 2021, HM Treasury created a new scheme to encourage people with \u2018problem debt\u2019* to access professional debt advice. The <a href=\"https:\/\/www.gov.uk\/government\/publications\/debt-respite-scheme-breathing-space-guidance\/debt-respite-scheme-breathing-space-guidance-for-creditors\" target=\"_blank\" rel=\"noopener\">Debt Respite Scheme<\/a>\u00a0(also known as Breathing Space) gives individuals time to seek advice and find an effective solution to dealing with their debt, without the worry of being chased for payment or incurring extra charges while they do that.<\/p><p><em>*Problem debt is where someone is struggling to repay the money they owe to their creditors (for example, Moneybarn).<\/em><\/p><p>On 04 May 2021, HM Treasury created a new scheme to encourage people with \u2018problem debt\u2019* to access professional debt advice. The <a href=\"https:\/\/www.gov.uk\/government\/publications\/debt-respite-scheme-breathing-space-guidance\/debt-respite-scheme-breathing-space-guidance-for-creditors\" target=\"_blank\" rel=\"noopener\">Debt Respite Scheme<\/a>\u00a0(also known as Breathing Space) gives individuals time to seek advice and find an effective solution to dealing with their debt, without the worry of being chased for payment or incurring extra charges while they do that.<\/p><p><em>*Problem debt is where someone is struggling to repay the money they owe to their creditors (for example, Moneybarn).<\/em><\/p>\t\t\n\t\t\t<h2>Types of Breathing Space<\/h2>\t\t\n\t\t<p>There are two types of breathing space:<\/p><ul><li><strong>A standard breathing space:<\/strong> Available to anyone with problem debt, this form of breathing space provides individuals with temporary \u2018legal protections\u2019 from creditor action for up to 60 days. Protections range from freezing most interest and charges on their debt, to pausing contact from creditors and putting a hold on any enforcement action.<\/li><li><strong>A mental health crisis breathing space:<\/strong> This form of breathing space is available for individuals receiving mental health crisis treatment and can only be applied for with an Approved Mental Health Professional (AMPH). Alongside stronger protections, this option lasts as long as the individual\u2019s mental health crisis treatment, plus another 30 days, regardless of the crisis treatment length.<\/li><\/ul>\t\t\n\t\t\t<h2>Am I eligible for Breathing Space?<\/h2>\t\t\n\t\t\t<p >According to debt charity, StepChange, to be eligible you must:<\/p><ul><li>Live in England or Wales<\/li><li>Owe one qualifying debt to a credit.<\/li><\/ul>\t\t\n\t\t<p>And you must\u00a0<strong>not<\/strong>:<\/p><ul><li>Have had Breathing Space in the last 12 months (this does not include mental health breathing space)<\/li><li>Have an IVA (<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-iva\/\">Individual Voluntary Arrangement<\/a>)<\/li><li>Have a DRO (Debt Relief Order)<\/li><li>Be an undischarged bankrupt<\/li><li>Be subject to an interim order<\/li><\/ul><p>Learn more about Breathing Space in general on <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/how-we-help\/breathing-space-scheme.aspx\" target=\"_blank\" rel=\"noopener\">StepChange\u2019s<\/a> website.<br><\/p>\t\t\n\t\t\t<h2>Types of Breathing Space<\/h2>\t\t\n\t\t<p>There are two types of breathing space:<\/p><ul><li><strong>A standard breathing space:<\/strong> Available to anyone with problem debt, this form of breathing space provides individuals with temporary \u2018legal protections\u2019 from creditor action for up to 60 days. Protections range from freezing most interest and charges on their debt, to pausing contact from creditors and putting a hold on any enforcement action.<\/li><li><strong>A mental health crisis breathing space:<\/strong> This form of breathing space is available for individuals receiving mental health crisis treatment and can only be applied for with an Approved Mental Health Professional (AMPH). Alongside stronger protections, this option lasts as long as the individual\u2019s mental health crisis treatment, plus another 30 days, regardless of the crisis treatment length.<\/li><\/ul>\t\t\n\t\t\t<h2>Am I eligible for Breathing Space?<\/h2>\t\t\n\t\t\t<p >According to debt charity, StepChange, to be eligible you must:<\/p><ul><li>Live in England or Wales<\/li><li>Owe one qualifying debt to a credit.<\/li><\/ul>\t\t\n\t\t<p>And you must\u00a0<strong>not<\/strong>:<\/p><ul><li>Have had Breathing Space in the last 12 months (this does not include mental health breathing space)<\/li><li>Have an IVA (<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-iva\/\">Individual Voluntary Arrangement<\/a>)<\/li><li>Have a DRO (Debt Relief Order)<\/li><li>Be an undischarged bankrupt<\/li><li>Be subject to an interim order<\/li><\/ul><p>Learn more about Breathing Space in general on <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/how-we-help\/breathing-space-scheme.aspx\" target=\"_blank\" rel=\"noopener\">StepChange\u2019s<\/a> website.<\/p>\t\t\n\t\t\t<h2>Can Moneybarn assess my eligibility?<\/h2>\t\t\n\t\t<p>Unfortunately, we are unable to assess a customer\u2019s eligibility for Breathing Space under the Debt Respite Scheme. To find out if you are eligible, you must seek advice from an FCA Authorised Debt Advisor or a Local Authority, if they can provide debt advise to local residents, and discuss with them your eligibility for the scheme. A few options available are <a href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, <a href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a> to name a few, or we have a guide explaining possible options if you\u2019re experiencing <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">financial difficulty<\/a>.<\/p>\t\t\n\t\t\t<h2>Important takeaways<\/h2>\t\t\n\t\t<p>Our conditional sale agreements are considered a secured debt, which simply means the debt is for an asset i.e., car finance or a mortgage. Therefore,<strong> your chosen FCA Authorised Debt Advisor will only be able to provide you with Breathing Space for arrears on your account, but not for your normal monthly payments<\/strong>. Where you can, please continue to make your monthly payments as failing to do so could negatively impact your credit score and make it harder for you to get credit in the future.<\/p><p>Our <a href=\"tel:03305551230\">Customer Services Team<\/a> will happily talk you through our support options. Further information on how to reach out to us can be found on our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page.<\/p>\t\t\n\t\t\t<h2>Can Moneybarn assess my eligibility?<\/h2>\t\t\n\t\t<p>Unfortunately, we are unable to assess a customer\u2019s eligibility for Breathing Space under the Debt Respite Scheme. To find out if you are eligible, you must seek advice from an FCA Authorised Debt Advisor or a Local Authority, if they can provide debt advise to local residents, and discuss with them your eligibility for the scheme. A few options available are <a href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">StepChange<\/a>, <a href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a> to name a few, or we have a guide explaining possible options if you\u2019re experiencing <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">financial difficulty<\/a>.<\/p>\t\t\n\t\t\t<h2>Important takeaways<\/h2>\t\t\n\t\t<p>Our conditional sale agreements are considered a secured debt, which simply means the debt is for an asset i.e., car finance or a mortgage. Therefore,<strong> your chosen FCA Authorised Debt Advisor will only be able to provide you with Breathing Space for arrears on your account, but not for your normal monthly payments<\/strong>. Where you can, please continue to make your monthly payments as failing to do so could negatively impact your credit score and make it harder for you to get credit in the future.<\/p><p>Our <a href=\"tel:03305551230\">Customer Services Team<\/a> will happily talk you through our support options. Further information on how to reach out to us can be found on our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>","title":"What’s The Debt Respite Scheme Breathing Space?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/whats-the-debt-respite-scheme-breathing-space\/","slug":"whats-the-debt-respite-scheme-breathing-space","topics":"Financial difficulties","keywords":""},{"id":14919,"content":"<p>It\u2019s easy to register for our portal, just head to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a>, and follow the steps below:<\/p><p>It\u2019s easy to register for our portal, just head to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a>, and follow the steps below:<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>Click on the \u2018Register\u2019 button and follow the on-screen instructions to verify your agreement details. You\u2019ll need the following information to hand:<\/p>\n<ul>\n<li>Your agreement (or contract) number<\/li>\n<li>Your first and last names (these must match the names we have recorded for you)<\/li>\n<li>Your date of birth<\/li>\n<li>Your vehicle registration<\/li>\n<\/ul>\t\t\n\t\t\t<a href=\"https:\/\/my.moneybarn.com\/verification\">\n\t\t\t\t\t\tRegister now\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>Once we\u2019ve verified your details, you\u2019ll be able to set up a username (please use the email we have on record for you) and choose a password.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46y5zedpfrvfiuf01ijjrio7zqc0p3f6tjwxg.png\" title=\"Number 3\" alt=\"Three\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>Keep an eye out for an email to activate your account. Once you\u2019ve activated your account, you\u2019ll be brought back to the log-in page.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0flen98ezxc1h7wq2gp6817d7beo6hh9pphmc.png\" title=\"Number 4\" alt=\"Four\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>You\u2019re all set. You can now log in to your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn online account<\/a> using your username and password.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Click on the \u2018Register\u2019 button and follow the on-screen instructions to verify your agreement details. You\u2019ll need the following information to hand:<\/p><ul><li style=\"text-align: center;\">Your agreement (or contract) number<\/li><li style=\"text-align: center;\">Your first and last names (these must match the names we have recorded for you)<\/li><li style=\"text-align: center;\">Your date of birth<\/li><li style=\"text-align: center;\">Your vehicle registration<\/li><\/ul>\t\t\n\t\t\t<a href=\"https:\/\/my.moneybarn.com\/verification\">\n\t\t\t\t\t\tRegister now\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Once we\u2019ve verified your details, you\u2019ll be able to set up a username (please use the email we have on record for you) and choose a password.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46y5zedpfrvfiuf01ijjrio7zqc0p3f6tjwxg.png\" title=\"Number 3\" alt=\"Three\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Keep an eye out for an email to activate your account. Once you\u2019ve activated your account, you\u2019ll be brought back to the log-in page.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0flen98ezxc1h7wq2gp6817d7beo6hh9pphmc.png\" title=\"Number 4\" alt=\"Four\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">You\u2019re all set. You can now log in to your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn online account<\/a> using your username and password.<\/p>\t\t\n\t\t\t<p >Once registered, you can you:<\/p><ul><li>Make a payment<\/li><li>Find out when your next payment is due<\/li><li>Change your Direct Debit payment date<\/li><li>See your current balance<\/li><li>Send us a secure message<\/li><li>Request an Early Settlement Figure<\/li><\/ul>\t\t\n\t\tFor additional information on setting up your account and its benefits, check out our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2024\/02\/How-to-register-for-My-Moneybarn-Portal-Leaflet-Jan-2024.pdf\" target=\"_blank\" rel=\"noopener\">additional guidance<\/a>, or save it down for a later date. If you\u2019re having difficulties logging in to My Moneybarn, please find the email sent to you after you registered online and make sure you\u2019ve clicked the email validation link. This will confirm your registration and bring you to the portal to log in for the first time.\t\t\n\t\t\t<p >Once registered, you can you:<\/p><ul><li>Make a payment<\/li><li>Find out when your next payment is due<\/li><li>Change your Direct Debit payment date<\/li><li>See your current balance<\/li><li>Send us a secure message<\/li><li>Request an Early Settlement Figure<\/li><\/ul>\t\t\n\t\t<p>For additional information on setting up your account and its benefits, check out our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2024\/02\/How-to-register-for-My-Moneybarn-Portal-Leaflet-Jan-2024.pdf\" target=\"_blank\" rel=\"noopener\">additional guidance<\/a>, or save it down for a later date.<\/p>If you\u2019re having difficulties logging in to My Moneybarn, please find the email sent to you after you registered online and make sure you\u2019ve clicked the email validation link. This will confirm your registration and bring you to the portal to log in for the first time.","title":"How do I register for your customer portal?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/contacting-us\/how-do-i-register-for-your-customer-portal\/","slug":"how-do-i-register-for-your-customer-portal","topics":"Contacting us","keywords":""},{"id":13748,"content":"No, there will be no other charges, other than APR, during the lifetime of your agreement. It\u2019s important to know however, that this is just if you take car finance out with Moneybarn. We can\u2019t speak for other lenders and what their charges are.\r\n\r\nIf you are found in a situation where we have to terminate your agreement, then some charges may apply. These will be explained to you as part of the contract termination process and can include costs for things such as recovery and repair work if required.\r\n\r\nNo, there will be no other charges, other than APR, during the lifetime of your agreement. It\u2019s important to know however, that this is just if you take car finance out with Moneybarn. We can\u2019t speak for other lenders and what their charges are.\r\n\r\nIf you are found in a situation where we have to terminate your agreement, then some charges may apply. These will be explained to you as part of the contract termination process and can include costs for things such as recovery and repair work if required.","title":"Are there any extra costs with car finance?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/are-there-any-extra-costs-with-car-finance\/","slug":"are-there-any-extra-costs-with-car-finance","topics":"Your application","keywords":""},{"id":13702,"content":"<p>To get vehicle finance with us, you\u2019ll need to have lived in the UK for a minimum of 3 years.<\/p><p>We\u2019ll need to see your UK driving licence as proof of this. If this is unavailable, we will accept UK or EU passports along with a completed DVLA and DVA mandate or Share Code PDF.<\/p><p>Find out what other <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-do-you-need-to-apply-for-car-finance\/\">documents you need to apply for car finance<\/a> with our guide.<\/p><p>To get vehicle finance with us, you\u2019ll need to have lived in the UK for a minimum of 3 years.<\/p><p>We\u2019ll need to see your UK driving licence as proof of this. If this is unavailable, we will accept UK or EU passports along with a completed DVLA and DVA mandate or Share Code PDF.<\/p><p>Find out what other <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-do-you-need-to-apply-for-car-finance\/\">documents you need to apply for car finance<\/a> with our guide.<\/p>","title":"What documents prove I live in the UK?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/what-documents-prove-i-live-in-the-uk\/","slug":"what-documents-prove-i-live-in-the-uk","topics":"Your application","keywords":""},{"id":13482,"content":"No, we will not clear negative equity on your current car. We will only loan the value of your new vehicle and will pay the dealership directly.\u00a0 We will not pay finance off on another vehicle, not even vehicles that you currently have on finance with Moneybarn.No, we will not clear negative equity on your current car. We will only loan the value of your new vehicle and will pay the dealership directly.\u00a0 We will not pay finance off on another vehicle, not even vehicles that you currently have on finance with Moneybarn.","title":"Can I use the loan to clear my negative equity?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/can-i-use-the-loan-to-clear-my-negative-equity\/","slug":"can-i-use-the-loan-to-clear-my-negative-equity","topics":"Your application","keywords":""},{"id":13461,"content":"<p>A <a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> agreement is between the applicant and the lender, no one else. For this reason, existing car finance agreements cannot be transferred from one person to another, even if the customer\u2019s financial circumstances change during the agreement\u2019s repayment term.<\/p><p>In this guide, we explore why transferring a car, van, or <a href=\"https:\/\/www.moneybarn.com\/motorbike-finance\/\">motorbike finance<\/a> agreement to someone else isn\u2019t possible and look at your options if you want to end an existing deal early.<\/p>\t\t\n\t\t\t<h2>Can car finance be transferred to another person?<\/h2>\t\t\n\t\t<p>If you are a Moneybarn customer, then transferring your car finance agreement to another person is not something you can do. If you are thinking of ending your agreement early, please speak to our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">Customer Services Team<\/a>.<\/p><p>They\u2019ll be able to explain what options are available to you to end the agreement early, if you no longer want or can't afford to remain in the vehicle.<\/p><p>If you are experiencing financial difficulties, there are many charities out there that can offer free debt advice, such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">Step Change<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">Money Helper<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debtline<\/a>, and <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a>.<\/p>\t\t\n\t\t\t<h2>Why can't you transfer car finance to another person?<\/h2>\t\t\n\t\t<p>A car finance agreement (like other financial products, such as personal loans and mortgages) is a legally binding agreement between you and the lender.<\/p><p>Your repayment terms will have been agreed based on your credit history and <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability<\/a>, meaning it's not possible to simply transfer the responsibility over to someone else, as their circumstances will be different.<\/p><p>If someone else isn't in the same circumstances as you, this poses a risk for the car finance company, as they might not be able to keep up with the monthly payments. For the borrower, <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-happens-if-you-dont-pay-your-car-finance\/\">failing to make car finance repayments<\/a> on time and in full can hurt their credit score and make it harder for them to get credit in the future.<\/p><p>Learn more about <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">what affects your credit score<\/a> with our guide.<\/p>\t\t\n\t\t\t<h2>Options for ending car finance agreements early<\/h2>\t\t\n\t\t<p>When you enter into a car finance agreement, you agree to repay a certain amount of money over a pre-agreed period based on your financial circumstances at the point of application. Some people look to transfer car finance to someone else because they can no longer continue making these payments.<\/p><p>If you have an existing car finance agreement that you no longer want, you can't transfer it to another person, but there are ways to end it earlier than originally planned.<\/p><p>Whether or not it's possible to end the agreement early will depend on the type of finance you have and the terms of your agreement, so it's essential to read your contract carefully and contact your car finance company if you are unsure of your options.<\/p><p>Here are a few options for ending a car finance agreement early.<\/p>\t\t\n\t\t\t<h3>Voluntary termination<\/h3>\t\t\n\t\t<p>With most types of car finance, you have a legal right to end your car finance agreement by <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">voluntary termination<\/a>. The process for voluntary termination might be slightly different between lenders, but you can do this at any time in your agreement. It\u2019s important to know you\u2019ll have to return the car as part of the process.<\/p><p>For <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale (CS) car finance<\/a>, PCP, and HP, you must have paid 50% of the total amount payable, plus any arrears and additional charges (such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/fair-wear-and-tear-car\/\">excessive wear and tear<\/a>), if applicable.<\/p><p>If you haven\u2019t yet met the 50% threshold, you\u2019ll have to make additional payments to reach this point before you can voluntarily terminate your agreement.<\/p>\t\t\n\t\t\t<h3>Early settlement<\/h3>\t\t\n\t\t<p>If you want to keep your car but don't want to keep making monthly payments, you could choose to pay off the agreement in full. When you request to pay off car finance early, you\u2019ll need to ask your lender for an early settlement figure, which includes all the remaining payments plus any extra charges owed.<\/p><p><a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-settle-a-car-finance-agreement-early\/\">Requesting an early settlement<\/a> is sometimes the preferred option for borrowers who want to sell their financed car. If you buy the car outright and become its legal owner, only then are you free to sell the vehicle to someone else.<\/p><p>You could also choose to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">make additional car finance payments<\/a> to reduce the repayment term and the amount of outstanding finance. If you want to do this, you\u2019ll need to contact your lender and discuss whether it\u2019s possible within their terms and conditions.<\/p><p>If you\u2019re a Moneybarn customer thinking of settling your agreement early, did you know you can view your early settlement figure in your <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn account<\/a>?<\/p>\t\t\n\t\t\t<h2>Car finance from Moneybarn<\/h2>\t\t\n\t\t<p>At Moneybarn, we help people like you get the vehicles they want and need. Whether you\u2019re looking to buy a new or used car, or <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/van-finance\/\">finance a van<\/a> or motorbike, we can help. You can use our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">online car finance calculator<\/a> to get an idea of what your monthly payments could look like.<\/p><p>We're a specialist lender with expertise in providing <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a> deals to customers whose <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">previous applications may have been rejected<\/a>. If you've struggled to find car finance due to poor credit history, get in touch with our team to find out how we might be able to help.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p>\t\t\n\t\t\t<h2>FAQs about transferring car finance<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-3411\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Who legally owns a car on finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>This differs depending on the type of finance you have. Read our guide: <a href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/who-is-the-registered-keeper-of-a-car-on-finance\/\">who is the registered keeper of a car on finance<\/a> to find out more.<\/p><p>For CS and HP agreements, the finance company legally owns the car during the agreement term until it is fully paid off. Once you make your final payment, you become the legal owner.<\/p><p>For PCP agreements, you\u2019ll only legally own the car if you choose to make the balloon payment at the end of your agreement. There are alternative options such as handing the car back or trading it in and starting a new deal, which you can read about in our guide to <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP car finance<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-3412\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can you finance a car for someone else?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, financing a car for someone else is known as ‘fronting’ and is illegal. It is against the law to have a finance agreement in someone else’s name. Read our in-depth guide for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/can-you-finance-a-car-for-someone-else\/\">more information about why financing a car for someone else<\/a> isn\u2019t allowed.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-3413\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-3413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a family member take over my car finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Transferring a car finance agreement to a family member, regardless of their individual circumstances, isn’t allowed. Unless there are two names on the agreement via a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint application<\/a>, then the key holder of the car finance agreement must be the person who took it out initially.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-3414\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-3414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a parent finance a car for their child?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, even if you’re the parent of someone who wants to take out a car finance agreement, you can’t apply on their behalf. If your child is struggling to find lenders who will provide them with a finance agreement, you could explore other options. Some lenders may accept parents applying for car finance with their child in a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint application<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-3415\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-3415\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can someone else drive my financed car?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Yes, letting someone else drive your financed car is allowed, provided they have the appropriate insurance in place to do so. You will remain as the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/who-is-the-registered-keeper-of-a-car-on-finance\/\">registered keeper<\/a> of the vehicle and as the named person who’s responsible for repaying the car finance, as per the terms of the agreement.<\/p>\n\t\t<p>A <a href=\"https:\/\/www.moneybarn.com\/car-finance\/\">car finance<\/a> agreement is between the applicant and the lender, no one else. For this reason, existing car finance agreements cannot be transferred from one person to another, even if the customer\u2019s financial circumstances change during the agreement\u2019s repayment term.<\/p><p>In this guide, we explore why transferring a car, <a href=\"https:\/\/www.moneybarn.com\/van-finance\/\">van<\/a>, or <a href=\"https:\/\/www.moneybarn.com\/motorbike-finance\/\">motorbike finance<\/a> agreement to someone else isn\u2019t possible and look at your options if you want to end an existing deal early.<\/p>\t\t\n\t\t\t<h2>Can car finance be transferred to another person?<\/h2>\t\t\n\t\t<p>If you are a Moneybarn customer, then transferring your car finance agreement to another person is not something you can do. If you are thinking of ending your agreement early, please speak to our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">Customer Services Team<\/a>.<\/p><p>They\u2019ll be able to explain what options are available to you to end the agreement early, if you no longer want or can't afford to remain in the vehicle.<\/p><p>If you are experiencing financial difficulties, there are many charities out there that can offer free debt advice, such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\" target=\"_blank\" rel=\"noopener\">Step Change<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">Money Helper<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debtline<\/a>, and <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a>.<\/p>\t\t\n\t\t\t<h2>Why can't you transfer car finance to another person?<\/h2>\t\t\n\t\t<p>A car finance agreement (like other financial products, such as personal loans and mortgages) is a legally binding agreement between you and the lender.<\/p><p>Your repayment terms will have been agreed based on your credit history and <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability<\/a>, meaning it's not possible to simply transfer the responsibility over to someone else, as their circumstances will be different.<\/p><p>If someone else isn't in the same circumstances as you, this poses a risk for the car finance company, as they might not be able to keep up with the monthly payments. For the borrower, <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-happens-if-you-dont-pay-your-car-finance\/\">failing to make car finance repayments<\/a> on time and in full can hurt their credit score and make it harder for them to get credit in the future.<\/p><p>Learn more about <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-affects-your-credit-score\/\">what affects your credit score<\/a> with our guide.<\/p>\t\t\n\t\t\t<h2>Options for ending car finance agreements early<\/h2>\t\t\n\t\t<p>When you enter into a car finance agreement, you agree to repay a certain amount of money over a pre-agreed period based on your financial circumstances at the point of application. Some people look to transfer car finance to someone else because they can no longer continue making these payments.<\/p><p>If you have an existing car finance agreement that you no longer want, you can't transfer it to another person, but there are ways to end it earlier than originally planned.<\/p><p>Whether or not it's possible to end the agreement early will depend on the type of finance you have and the terms of your agreement, so it's essential to read your contract carefully and contact your car finance company if you are unsure of your options.<\/p><p>Here are a few options for ending a car finance agreement early.<\/p>\t\t\n\t\t\t<h3>Voluntary termination<\/h3>\t\t\n\t\t<p>With most types of car finance, you have a legal right to end your car finance agreement by <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">voluntary termination<\/a>. The process for voluntary termination might be slightly different between lenders, but you can do this at any time in your agreement. It\u2019s important to know you\u2019ll have to return the car as part of the process.<\/p><p>For <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale (CS) car finance<\/a>, PCP, and HP, you must have paid 50% of the total amount payable, plus any arrears and additional charges (such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/fair-wear-and-tear-car\/\">excessive wear and tear<\/a>), if applicable.<\/p><p>If you haven\u2019t yet met the 50% threshold, you\u2019ll have to make additional payments to reach this point before you can voluntarily terminate your agreement.<\/p>\t\t\n\t\t\t<h3>Early settlement<\/h3>\t\t\n\t\t<p>If you want to keep your car but don't want to keep making monthly payments, you could choose to pay off the agreement in full. When you request to pay off car finance early, you\u2019ll need to ask your lender for an early settlement figure, which includes all the remaining payments plus any extra charges owed.<\/p><p><a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-settle-a-car-finance-agreement-early\/\">Requesting an early settlement<\/a> is sometimes the preferred option for borrowers who want to sell their financed car. If you buy the car outright and become its legal owner, only then are you free to sell the vehicle to someone else.<\/p><p>You could also choose to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">make additional car finance payments<\/a> to reduce the repayment term and the amount of outstanding finance. If you want to do this, you\u2019ll need to contact your lender and discuss whether it\u2019s possible within their terms and conditions.<\/p><p>If you\u2019re a Moneybarn customer thinking of settling your agreement early, did you know you can view your early settlement figure in your <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn account<\/a>?<\/p>\t\t\n\t\t\t<h2>Car finance from Moneybarn<\/h2>\t\t\n\t\t<p>At Moneybarn, we help people like you get the vehicles they want and need. Whether you\u2019re looking to buy a new or used car, or <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/van-finance\/\">finance a van<\/a> or motorbike, we can help. You can use our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/car-finance\/calculator\/\">online car finance calculator<\/a> to get an idea of what your monthly payments could look like.<\/p><p>We're a specialist lender with expertise in providing <a href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/\">bad credit car finance<\/a> deals to customers whose <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/refused\/\">previous applications may have been rejected<\/a>. If you've struggled to find car finance due to poor credit history, get in touch with our team to find out how we might be able to help.<\/p><p><strong>Representative [acf field=\"apr\" post_id=\"options\"]% APR.<\/strong><\/p>\t\t\n\t\t\t<h2>FAQs about transferring car finance<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1651\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1651\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Who legally owns a car on finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>This differs depending on the type of finance you have. Read our guide: <a href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/who-is-the-registered-keeper-of-a-car-on-finance\/\">who is the registered keeper of a car on finance<\/a> to find out more.<\/p><p>For CS and HP agreements, the finance company legally owns the car during the agreement term until it is fully paid off. Once you make your final payment, you become the legal owner.<\/p><p>For PCP agreements, you\u2019ll only legally own the car if you choose to make the balloon payment at the end of your agreement. There are alternative options such as handing the car back or trading it in and starting a new deal, which you can read about in our guide to <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-pcp-finance\/\">PCP car finance<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1652\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1652\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can you finance a car for someone else?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, financing a car for someone else is known as ‘fronting’ and is illegal. It is against the law to have a finance agreement in someone else’s name. Read our in-depth guide for <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/can-you-finance-a-car-for-someone-else\/\">more information about why financing a car for someone else<\/a> isn\u2019t allowed.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1653\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1653\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a family member take over my car finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Transferring a car finance agreement to a family member, regardless of their individual circumstances, isn’t allowed. Unless there are two names on the agreement via a <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint application<\/a>, then the key holder of the car finance agreement must be the person who took it out initially.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1654\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1654\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can a parent finance a car for their child?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>No, even if you’re the parent of someone who wants to take out a car finance agreement, you can’t apply on their behalf. If your child is struggling to find lenders who will provide them with a finance agreement, you could explore other options. Some lenders may accept parents applying for car finance with their child in a <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/joint-car-finance\/\">joint application<\/a>.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1655\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1655\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can someone else drive my financed car?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>Yes, letting someone else drive your financed car is allowed, provided they have the appropriate insurance in place to do so. You will remain as the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/buying-a-vehicle\/who-is-the-registered-keeper-of-a-car-on-finance\/\">registered keeper<\/a> of the vehicle and as the named person who’s responsible for repaying the car finance, as per the terms of the agreement.<\/p>","title":"Can you transfer car finance to another person?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/can-you-transfer-car-finance-to-another-person\/","slug":"can-you-transfer-car-finance-to-another-person","topics":"Your vehicle","keywords":""},{"id":13460,"content":"<p>You can change your mind and withdraw from the agreement without giving any reason. If you would like to withdraw, you will need to let us know before the withdrawal period ends. The withdrawal period starts on the day after we tell you the agreement is made and ends 14 calendar days later. If you do decide to withdraw from the agreement, this will end the agreement, however, it does not give you a right to withdraw from buying the vehicle.<\/p><p>If you would like to find out more information or submit a withdrawal request you can:<\/p><p>You can change your mind and withdraw from the agreement without giving any reason. If you would like to withdraw, you will need to let us know before the withdrawal period ends.<\/p><p>The withdrawal period starts on the day after we tell you the agreement is made and ends 14 calendar days later. If you do decide to withdraw from the agreement, this will end the agreement, however, it does not give you a right to withdraw from buying the vehicle.<\/p><p>If you would like to find out more information or submit a withdrawal request you can:<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h3>Call our Customer Services Team<\/h3>\t\t\n\t\t<p style=\"text-align: center;\"><a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a> to submit a Withdrawal Request.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h3>Write to us<\/h3>\t\t\n\t\t<p style=\"text-align: center;\">Moneybarn (Withdrawal Request)<br \/>Moneybarn<br \/>Athena House,<br \/>Bedford Road,<br \/>Petersfield<br \/>Hampshire<br \/>GU32 3LJ<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h3>Call our Customer Services Team<\/h3>\t\t\n\t\t<p style=\"text-align: center;\"><a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a> to submit a Withdrawal Request.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h3>Write to us<\/h3>\t\t\n\t\t<p style=\"text-align: center;\">Moneybarn (Withdrawal Request)<br \/>Moneybarn<br \/>Athena House,<br \/>Bedford Road,<br \/>Petersfield<br \/>Hampshire<br \/>GU32 3LJ<\/p><p>If you do decide to withdraw from your car finance agreement you must repay the amount you borrowed from us, including any accrued interest within 30 days of submitting your Withdrawal Request. Interest will accrue each day from the date the credit was provided to you until the day you repay the credit. The exact daily amount will be stated in your contract.<\/p><p>The amount of credit and accrued interest must be paid to us by bank transfer. These details will be provided to you following your Withdrawal Request. If you\u2019d prefer, you can send us a cheque to the address listed above.<\/p><p>Ownership of the vehicle will be transferred to you once you have repaid the credit and any accrued interest.<\/p><p>If you do decide to withdraw from your car finance agreement you must repay the amount you borrowed from us, including any accrued interest within 30 days of submitting your Withdrawal Request.\u00a0<\/p><p>Interest will accrue each day from the date the credit was provided to you until the day you repay the credit. The exact daily amount will be stated in your contract.<\/p><p>The amount of credit and accrued interest must be paid to us by bank transfer. These details will be provided to you following your Withdrawal Request. If you\u2019d prefer, you can send us a cheque to the address listed above.<\/p><p>Ownership of the vehicle will be transferred to you once you have repaid the credit and any accrued interest.<\/p>","title":"Is there a cooling off period for car finance?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/is-there-a-cooling-off-period-for-car-finance\/","slug":"is-there-a-cooling-off-period-for-car-finance","topics":"Your account","keywords":""},{"id":12797,"content":"<p>At any point during your agreement, you can ask us to provide an \u2018Early Settlement Figure\u2019 (ESF). Your ESF is the amount you need to pay off to end your agreement and will depend on lots of factors such as how much you\u2019ve already paid back.<\/p><p>The ESF will include a rebate of interest, which is the amount of interest you'll no longer need to pay once you early settle. However, there will still be a small amount of interest included within your ESF, which is 58 days\u2019 worth of interest from the date you requested the ESF. This is in line with the <a style=\"color: #ef8200;\" href=\"https:\/\/www.legislation.gov.uk\/uksi\/2004\/1483\/contents\" target=\"_blank\" rel=\"noopener\">Consumer Credit (Early Settlement) Regulations 2004<\/a>.<\/p><p>Your ESF will be valid for 28 days. If you pay the full settlement amount by the date provided, we will end the agreement and transfer legal ownership of the vehicle to you*.<\/p><p>See an example of how your ESF is calculated below:<\/p><p style=\"text-align: center;\">\u00a32,133.36 (Outstanding balance) - \u00a3331.79 (rebate amount) = \u00a31,801.57 (Early Settlement Figure)<\/p><p><strong>*As part of the process, we might agree you can sell the vehicle privately to a reputable dealer, to raise funds towards your ESF. However, if there is a shortfall between the amount you sell the vehicle for and the full ESF, then you will need to pay the difference so that we still receive the total settlement amount.<\/strong><\/p>\t\t\n\t\t\t<h2>How to settle your agreement early<\/h2>\t\t\n\t\t<p>If you\u2019d like to settle your agreement early, then there is an easy process you must follow:<\/p><p>At any point during your agreement, you can ask us to provide an \u2018Early Settlement Figure\u2019 (ESF). Your ESF is the amount you need to pay off to end your agreement and will depend on lots of factors such as how much you\u2019ve already paid back.<\/p><p>The ESF will include a rebate of interest, which is the amount of interest you'll no longer need to pay once you early settle. However, there will still be a small amount of interest included within your ESF, which is 58 days\u2019 worth of interest from the date you requested the ESF. This is in line with the <a style=\"color: #ef8200;\" href=\"https:\/\/www.legislation.gov.uk\/uksi\/2004\/1483\/contents\" target=\"_blank\" rel=\"noopener\">Consumer Credit (Early Settlement) Regulations 2004<\/a>.<\/p><p>Your ESF will be valid for 28 days. If you pay the full settlement amount by the date provided, we will end the agreement and transfer legal ownership of the vehicle to you*.<\/p><p>See an example of how your ESF is calculated below:<\/p><p style=\"text-align: center;\">\u00a32,133.36 (Outstanding balance) - \u00a3331.79 (rebate amount) = \u00a31,801.57 (Early Settlement Figure)<\/p><p><strong>*As part of the process, we might agree you can sell the vehicle privately to a reputable dealer, to raise funds towards your ESF. However, if there is a shortfall between the amount you sell the vehicle for and the full ESF, then you will need to pay the difference so that we still receive the total settlement amount.<\/strong><\/p>\t\t\n\t\t\t<h2>How to settle your agreement early<\/h2>\t\t\n\t\t<p>If you\u2019d like to settle your agreement early, then there is an easy process you must follow:<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Use our built-in ESF feature via your <a href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a> account.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">We\u2019ll send you an ESF, the expiry date and instructions for payment.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46y5zedpfrvfiuf01ijjrio7zqc0p3f6tjwxg.png\" title=\"Number 3\" alt=\"Three\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Make payment by the settlement expiry date.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0flen98ezxc1h7wq2gp6817d7beo6hh9pphmc.png\" title=\"Number 4\" alt=\"Four\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">You become the legal owner of the vehicle and your agreement with us ends.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/1-qa83warthtndypibd3oszhurpgm8pvggdlntjra5pw.png\" title=\"Number 1\" alt=\"One\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Use our built-in ESF feature via your <a href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a> account.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/2-qa83w70gqhi8o9nrz22apisxbx4rv31j131vmnfqes.png\" title=\"Number 2\" alt=\"Two\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">We\u2019ll send you an ESF, the expiry date and instructions for payment.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/3-qa83w46y5zedpfrvfiuf01ijjrio7zqc0p3f6tjwxg.png\" title=\"Number 3\" alt=\"Three\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">Make payment by the settlement expiry date.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/elementor\/thumbs\/4-qa83w0flen98ezxc1h7wq2gp6817d7beo6hh9pphmc.png\" title=\"Number 4\" alt=\"Four\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p style=\"text-align: center;\">You become the legal owner of the vehicle and your agreement with us ends.<\/p>\t\t\n\t\t\t<h2>FAQs about early settlement<\/h2>\t\t\n\t\t\t<h2>FAQs about early settlement<\/h2>\t\t\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9461\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9461\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I cancel my monthly payment if I\u2019m settling?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>You should make any normal monthly repayments which are due until you\u2019ve received confirmation that your account is settled. If we need to refund your last monthly payment after you\u2019ve settled your agreement, we\u2019ll pay that back to you within 7-10 working days of the account being settled.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9462\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9462\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What will happen if I do settle my agreement or decide to do nothing?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>If you pay the full early settlement amount by the agreed date, you will clear the agreement and we\u2019ll transfer legal ownership of the vehicle to you. We\u2019ll then send you confirmation.\u00a0If you decide not to proceed with the settlement, the agreement will just continue and your regular payments will be due as normal.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9463\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9463\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What are your rights if you settle your car finance early?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/debt-info\/your-rights\/consumer-credit-act.aspx\" target=\"_blank\" rel=\"noopener\">Consumer Credit Act<\/a> provides you certain rights regarding ending your car finance agreement early. However, these rights differ depending on which car finance deal you have. The act also has stipulations designed to protect the car finance company in the event of an early settlement.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1731\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1731\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">Can I cancel my monthly payment if I\u2019m settling?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>You should make any normal monthly repayments which are due until you\u2019ve received confirmation that your account is settled. If we need to refund your last monthly payment after you\u2019ve settled your agreement, we\u2019ll pay that back to you within 7-10 working days of the account being settled.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1732\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1732\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What will happen if I do settle my agreement or decide to do nothing?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>If you pay the full early settlement amount by the agreed date, you will clear the agreement and we\u2019ll transfer legal ownership of the vehicle to you. We\u2019ll then send you confirmation.\u00a0If you decide not to proceed with the settlement, the agreement will just continue and your regular payments will be due as normal.<\/p>\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1733\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1733\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t<svg viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t\t\t\t<a tabindex=\"0\">What are your rights if you settle your car finance early?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/debt-info\/your-rights\/consumer-credit-act.aspx\" target=\"_blank\" rel=\"noopener\">Consumer Credit Act<\/a> provides you certain rights regarding ending your car finance agreement early. However, these rights differ depending on which car finance deal you have. The act also has stipulations designed to protect the car finance company in the event of an early settlement.<\/p>","title":"How do you calculate my Early Settlement Figure?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/","slug":"how-do-you-calculate-my-early-settlement-figure","topics":"Your account","keywords":""},{"id":8331,"content":"<p>When you signed up for your vehicle finance agreement with us, you agreed to pay us a certain amount over time to eventually become the legal owner of the vehicle.<\/p>\n<p>If you end the agreement early, you will need to return the vehicle to us and it\u2019s possible you\u2019ll owe us an amount to clear the agreement.<\/p>\n<p>Returning the vehicle to us in good condition and in good time can reduce the amount you will owe to clear the agreement. This is because if the car is in good condition for its age and mileage and is returned as quickly as possible, then it is likely to sell for more money. This money will then be taken off what you owe us, reducing the amount left on your agreement.<\/p>\n<p>If you\u2019ve already paid us half of the agreement cost and you use the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">voluntary termination option<\/a> there may be little or nothing to pay, other than any arrears or charges that are applicable.<\/p><p>When you signed up for your vehicle finance agreement with us, you agreed to pay us a certain amount over time to eventually become the legal owner of the vehicle.<\/p><p>If you end the agreement early, you will need to return the vehicle to us and it\u2019s possible you\u2019ll owe us an amount to clear the agreement.<\/p><p>Returning the vehicle to us in good condition and in good time can reduce the amount you will owe to clear the agreement. This is because if the car is in good condition for its age and mileage and is returned as quickly as possible, then it is likely to sell for more money. This money will then be taken off what you owe us, reducing the amount left on your agreement.<\/p><p>If you\u2019ve already paid us half of the agreement cost and you use the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/how-does-voluntary-termination-work\/\">voluntary termination option<\/a> there may be little or nothing to pay, other than any arrears or charges that are applicable.<\/p>","title":"Why you may owe us after handing back a vehicle","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/why-you-may-owe-us-after-handing-back-a-vehicle\/","slug":"why-you-may-owe-us-after-handing-back-a-vehicle","topics":"Your vehicle","keywords":""},{"id":12422,"content":"Unfortunately, cybercrime and fraudulent activity are becoming more frequent every day. It\u2019s something that we all need to be aware of especially around companies that provide finance. If you receive an email that appears to be from us, then please note:\n<ul>\n \t<li>We will never ask for your bank account details by email. Any request from us for those details will be prompted by you (you may wish to change your bank details with us). Please do not provide your account details to an unsolicited email.<\/li>\n \t<li>We will NEVER request debit card details from you via email.<\/li>\n<\/ul>Unfortunately, cybercrime and fraudulent activity are becoming more frequent every day. It\u2019s something that we all need to be aware of especially around companies that provide finance. If you receive an email that appears to be from us, then please note:\n<ul>\n \t<li>We will never ask for your bank account details by email. Any request from us for those details will be prompted by you (you may wish to change your bank details with us). Please do not provide your account details to an unsolicited email.<\/li>\n \t<li>We will NEVER request debit card details from you via email.<\/li>\n<\/ul>","title":"How do I know its Moneybarn contacting me?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/contacting-us\/how-do-i-know-its-moneybarn-contacting-me\/","slug":"how-do-i-know-its-moneybarn-contacting-me","topics":"Contacting us","keywords":""},{"id":12425,"content":"<p>Yes, you will need to keep paying both tax and insurance on the vehicle until we are in a position where we can collect it. It is part of the terms and conditions of your agreement that these conditions are met.\u00a0 However, if you are unable to do this because you can\u2019t afford it, please contact the DVLA as soon as possible to declare the vehicle as SORN. You can <a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\">do this<\/a><a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\"> h<\/a><a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\">ere.<\/a><\/p><p>Yes, you will need to keep paying both tax and insurance on the vehicle until we are in a position where we can collect it. It is part of the terms and conditions of your agreement that these conditions are met.\u00a0 However, if you are unable to do this because you can\u2019t afford it, please contact the DVLA as soon as possible to declare the vehicle as SORN. You can <a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\">do this<\/a><a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\"> h<\/a><a style=\"color: #ff9900;\" href=\"https:\/\/www.gov.uk\/make-a-sorn\">ere.<\/a><\/p>","title":"Should I tax and insure a vehicle being collected?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/should-i-tax-and-insure-a-vehicle-being-collected\/","slug":"should-i-tax-and-insure-a-vehicle-being-collected","topics":"Your vehicle","keywords":""},{"id":12426,"content":"<p>Yes. It\u2019s part of the terms and conditions of your agreement that the vehicle is insured at all times. Even if you feel that the vehicle is kept in a safe location, if the vehicle was uninsured then any incident that happened may leave you liable to pay costs. These are costs that your insurance company will pay if the vehicle is insured.<\/p><p>When you sign an agreement with us, you agree that you will insure the vehicle in your name under a fully comprehensive policy. You also need to make sure the excess isn\u2019t more than \u00a3500.00.<\/p><p>Yes. It\u2019s part of the terms and conditions of your agreement that the vehicle is insured at all times. Even if you feel that the vehicle is kept in a safe location, if the vehicle was uninsured then any incident that happened may leave you liable to pay costs. These are costs that your insurance company will pay if the vehicle is insured.<\/p><p>When you sign an agreement with us, you agree that you will insure the vehicle in your name under a fully comprehensive policy. You also need to make sure the excess isn\u2019t more than \u00a3500.00.<\/p>","title":"If I’m not using my vehicle do I need to insure it?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/if-im-not-using-my-vehicle-do-i-need-to-insure-it\/","slug":"if-im-not-using-my-vehicle-do-i-need-to-insure-it","topics":"Your vehicle","keywords":""},{"id":8650,"content":"<p>Setting up a Direct Debit is a great way of making sure all your payments are made on time, plus it allows you to know when money is going to be coming out of your bank account. However, it\u2019s equally important to make sure that the Direct Debit date works for you.<\/p>\n<p>If you\u2019d like to change your Direct Debit date to help you to better manage your payments, then please be aware that dependent on what date you change it to, you could end up paying 2 vehicle finance payments in 1 month. So please make sure this won\u2019t impact you negatively before making this change. Check out the video at the bottom of the page to understand how your payment date works.<\/p>\n<p>To change your monthly Direct Debit payments, please choose from one of the following options:<\/p><p>Setting up a Direct Debit is a great way of making sure all your payments are made on time, plus it allows you to know when money is going to be coming out of your bank account. However, it\u2019s equally important to make sure that the Direct Debit date works for you.<\/p><p>If you\u2019d like to change your Direct Debit date to help you to better manage your payments, then please be aware that dependent on what date you change it to, you could end up paying 2 vehicle finance payments in 1 month. So please make sure this won\u2019t impact you negatively before making this change.\u00a0Check out the video at the bottom of the page to understand how your payment date works.<\/p><p>To change your monthly Direct Debit payments, please choose from one of the following options:<\/p>\t\t\n\t\t<h5>My Moneybarn<\/h5><p>You can change the date of any Direct Debit payments under your agreement via your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn<\/a> account. Your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn<\/a> account is available 24 hours a day, 7 days a week, 365 days a year.<\/p>\t\t\n\t\t<h5>My Moneybarn<\/h5><p>You can change the date of any Direct Debit payments under your agreement via your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn<\/a> account. Your <a style=\"color: #ef8200;\" href=\"https:\/\/my.moneybarn.com\/login\">My Moneybarn<\/a> account is available 24 hours a day, 7 days a week, 365 days a year.<\/p>\t\t\n\t\t<h5>Customer Services\u200b<\/h5><p>If you are unable to do this through your account then please contact our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Our team will be happy to help and walk you through your options and how this works. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t<h5>Customer Services\u200b<\/h5><p>If you are unable to do this through your account then please contact our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Our team will be happy to help and walk you through your options and how this works. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t<p>For more in-depth information on the ins and outs of changing your Direct Debit dates, watch the video below.<\/p><p>For more in-depth information on the ins and outs of changing your Direct Debit dates, watch the video below.<\/p>https:\/\/www.youtube.com\/watch?v=hrwDJb8nUBU","title":"How to change my Direct Debit collection date?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-to-change-my-direct-debit-collection-date\/","slug":"how-to-change-my-direct-debit-collection-date","topics":"Your account","keywords":""},{"id":8648,"content":"<p>If you\u2019re experiencing financial difficulties or are worried that you can no longer afford your agreement, then please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">get in touch<\/a>.<\/p>\n<p>Whether you\u2019re having problems making a payment, are concerned you may experience financial difficulty in the near future, or you\u2019ve already missed a payment, we will always want to speak to you so we can understand your situation and discuss what options are available.<\/p>\n<p>It\u2019s easier for us to talk things through with you over the phone, so please call our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\" data-wplink-edit=\"true\">Customer Services Team<\/a> and one of our Agents will be more than happy to speak to you.<\/p>\n<p>However, we understand that sometimes it can feel daunting speaking with us on the phone. If you feel this way, then please <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">email us <\/a>and one of our Agents will be in touch shortly.<\/p>\n<h3>Do you have a Conditional Sale agreement?<\/h3>\n<p>Why not <a style=\"color: #ef8200;\" href=\"https:\/\/bit.ly\/3jVsCJP\">watch this short video<\/a> which gives you an idea of what to expect when you call us about arrears?<\/p>\n<p>Alternatively, you can send us a secure message via your online <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a> account.<\/p>\t\t\n\t\t\t<h2>Do you need support?<\/h2>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"576\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-1024x576.jpg\" alt=\"Discussing finances\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-1024x576.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-300x169.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-768x432.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-1536x864.jpg 1536w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>If you\u2019re experiencing financial difficulties or are worried that you can no longer afford your agreement, then please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">get in touch<\/a>.<\/p><p>Whether you\u2019re having problems making a payment, are concerned you may experience financial difficulty in the near future, or you\u2019ve already missed a payment, we will always want to speak to you so we can understand your situation and discuss what options are available.<\/p><p>It\u2019s easier for us to talk things through with you over the phone, so please call our\u00a0<a href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">Customer Services Team<\/a>\u00a0and one of our Agents will be more than happy to speak to you.<\/p><p>However, we understand that sometimes it can feel daunting speaking with us on the phone. If you feel this way, then please\u00a0<a href=\"https:\/\/www.moneybarn.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">email us\u00a0<\/a>and one of our Agents will be in touch shortly.<\/p><h3>Do you have a Conditional Sale agreement?<\/h3><p>Why not\u00a0<a style=\"color: #ef8200;\" href=\"https:\/\/bit.ly\/3jVsCJP\">watch this short video<\/a>\u00a0which gives you an idea of what to expect when you call us about arrears?<\/p><p>Alternatively, you can send us a secure message via your online <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/my-moneybarn\/\">My Moneybarn<\/a>\u00a0account.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"768\" height=\"432\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-768x432.jpg\" alt=\"Discussing finances\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-768x432.jpg 768w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-300x169.jpg 300w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-1024x576.jpg 1024w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability-1536x864.jpg 1536w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2021\/05\/understanding-affordability.jpg 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h2>Do you need support?<\/h2>\t\t\n\t\t<p>Below is a list of organisations that can offer you free and impartial advice and support, without judgement, if you\u2019re experiencing financial difficulties. Their recommendations will be tailored to you, and they can provide a wide range of practical debt solutions to help you get back in control of your finances. They are there to help you find the most appropriate solution specifically for you.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/moneyhealthcheck.stepchange.org\/moneybarn\/start\" target=\"_blank\" rel=\"noopener\">StepChange Debt Charity<\/a>\u00a0\u2013 debt advice throughout the UK.<\/p><p>Tel:\u00a0<a style=\"color: #ef8200;\" href=\"tel:0800%20138%201111\">0800 138 1111<\/a> (freephone)<\/p><p>Mon to Fri 8am-8pm, Sat 8am-4pm<\/p><p>With over 30 years\u2019 experience, <a style=\"color: #ef8200;\" href=\"https:\/\/moneyhealthcheck.stepchange.org\/moneybarn\/start\" target=\"_blank\" rel=\"noopener\">StepChange\u2019s<\/a> team of debt experts support thousands of people every year to deal with their debt problems; helping individuals take back control of their finances and their lives.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.businessdebtline.org\/\" target=\"_blank\" rel=\"noopener\"><strong>Business Debtline<\/strong><\/a>\u00a0\u2013 a charity giving free debt advice to small businesses and self-employed people.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:0800%20197%206026\">0800 197 6026<\/a><\/p><p>Mon to Fri 9am \u2013 8pm<\/p><p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.businessdebtline.org\/\" target=\"_blank\" rel=\"noopener\">Business Debt Helpline<\/a>, help and support individuals with the support they need to deal with their debts themselves, free of charge.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\"><strong>National Debt Helpline<\/strong><\/a>\u00a0\u2013 debt advice and information in England, Wales or Scotland.<\/p><p>Tel:\u00a0<a style=\"color: #ef8200;\" href=\"tel:08088084000\">0808 808 4000<\/a><\/p><p>Mon to Fri 9am-8pm, Sat 9:30am-1pm<\/p><p>The <a href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debt Helpline<\/a> help and support individuals with the support they need to deal with their debts themselves, free of charge.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.payplan.com\/cr\/moneybarn\" target=\"_blank\" rel=\"noopener\"><strong>PayPlan<\/strong><\/a>\u00a0\u2013 free debt help and management plans.<\/p><p>Tel: <a href=\"tel:0800 316 1833\">0800 316 1833<\/a> (freephone)<\/p><p>Mon to Fri 8am\u20138pm, Sat 9am\u20133pm<\/p><p>Since its establishment in 1992, <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/cr\/moneybarn\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a> are the UK\u2019s largest provider of free debt solutions. Other solutions include IVAs, Trust Deeds and bankruptcy.<\/p><p>Below is a list of organisations that can offer you free and impartial advice and support, without judgement, if you\u2019re experiencing financial difficulties. Their recommendations will be tailored to you, and they can provide a wide range of practical debt solutions to help you get back in control of your finances. They are there to help you find the most appropriate solution specifically for you.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/moneyhealthcheck.stepchange.org\/moneybarn\/start\" target=\"_blank\" rel=\"noopener\">StepChange Debt Charity<\/a>\u00a0\u2013 debt advice throughout the UK.<\/p><p>Tel:\u00a0<a style=\"color: #ef8200;\" href=\"tel:0800%20138%201111\">0800 138 1111<\/a> (freephone)<\/p><p>Mon to Fri 8am-8pm, Sat 8am-4pm<\/p><p>With over 30 years\u2019 experience, <a style=\"color: #ef8200;\" href=\"https:\/\/moneyhealthcheck.stepchange.org\/moneybarn\/start\" target=\"_blank\" rel=\"noopener\">StepChange\u2019s<\/a> team of debt experts support thousands of people every year to deal with their debt problems; helping individuals take back control of their finances and their lives.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.businessdebtline.org\/\" target=\"_blank\" rel=\"noopener\"><strong>Business Debtline<\/strong><\/a>\u00a0\u2013 a charity giving free debt advice to small businesses and self-employed people.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:0800%20197%206026\">0800 197 6026<\/a><\/p><p>Mon to Fri 9am \u2013 8pm<\/p><p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.businessdebtline.org\/\" target=\"_blank\" rel=\"noopener\">Business Debt Helpline<\/a>, help and support individuals with the support they need to deal with their debts themselves, free of charge.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\"><strong>National Debt Helpline<\/strong><\/a>\u00a0\u2013 debt advice and information in England, Wales or Scotland.<\/p><p>Tel:\u00a0<a style=\"color: #ef8200;\" href=\"tel:08088084000\">0808 808 4000<\/a><\/p><p>Mon to Fri 9am-8pm, Sat 9:30am-1pm<\/p><p>The <a href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noopener\">National Debt Helpline<\/a> help and support individuals with the support they need to deal with their debts themselves, free of charge.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.payplan.com\/cr\/moneybarn\" target=\"_blank\" rel=\"noopener\"><strong>PayPlan<\/strong><\/a>\u00a0\u2013 free debt help and management plans.<\/p><p>Tel: <a href=\"tel:0800 316 1833\">0800 316 1833<\/a> (freephone)<\/p><p>Mon to Fri 8am\u20138pm, Sat 9am\u20133pm<\/p><p>Since its establishment in 1992, <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/cr\/moneybarn\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a> are the UK\u2019s largest provider of free debt solutions. Other solutions include IVAs, Trust Deeds and bankruptcy.<\/p>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>Citizens Advice<\/strong>\u00a0<\/a>\u2013 for advice and information on debt and other topics, visit your local Citizens Advice Bureau.<\/p><p>Tel: <a href=\"tel:03454%2004%2005%2006\">03454 04 05 06<\/a>\u00a0(Citizens Advice consumer helpline)<\/p><p>Mon to Fri 9am-5pm<\/p><p><a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a> is an independent organisation that provides free, independent, confidential and impartial advice to individuals with consumer, housing, legal, and debt problems.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\"><strong>MoneyHelper<\/strong><\/a> \u2013 for free, unbiased and easy-to-access money tools, information and advice.<\/p><p>Mon to Fri 8am-8pm, Sat 9am-1pm<\/p><p><a href=\"https:\/\/www.moneyhelper.org.uk\/en\">MoneyHelper <\/a>provides free, unbiased easy-to-access money tools, information and advice backed by the government for people across the UK.<\/p><p>You could also try their free online <a href=\"https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/budgeting\/budget-planner\">budget planner<\/a>.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.gov.uk\/benefits-calculators\" target=\"_blank\" rel=\"noopener\"><strong>Gov.uk benefits calculators<\/strong><\/a> \u2013 suggested independent benefits calculators.<\/p><p>Use the <a style=\"color: #ef8200;\" href=\"https:\/\/www.gov.uk\/benefits-calculators\">Gov.uk benefits calculators<\/a> to check what you could be entitled to, including:<\/p><ul><li>How much your benefits payments could be<\/li><li>What benefits you could be entitled to<\/li><li>How to update your benefits if your situation were to change.<\/li><\/ul>\t\t\n\t\t<p><a style=\"color: #00839b;\" href=\"https:\/\/themoneycharity.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>The Money Charity<\/strong><\/a> - helps individuals manage their money well and increase their financial wellbeing.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:02070628933\">0207 062 8933<\/a><\/p><p>Mon to Fri 9am-5pm<\/p><p>As the UK\u2019s Financial Capability charity, <a style=\"color: #ef8200;\" href=\"https:\/\/themoneycharity.org.uk\/\" target=\"_blank\" rel=\"noopener\">The Money Charity<\/a>, provides individuals of all ages with information, advice, education, and guidance when it comes to their finances.<\/p>\t\t\n\t\t<p><a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>Citizens Advice<\/strong>\u00a0<\/a>\u2013 for advice and information on debt and other topics, visit your local Citizens Advice Bureau.<\/p><p>Tel: <a href=\"tel:03454%2004%2005%2006\">03454 04 05 06<\/a>\u00a0(Citizens Advice consumer helpline)<\/p><p>Mon to Fri 9am-5pm<\/p><p><a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\" target=\"_blank\" rel=\"noopener\">Citizens Advice<\/a> is an independent organisation that provides free, independent, confidential and impartial advice to individuals with consumer, housing, legal, and debt problems.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\"><strong>MoneyHelper<\/strong><\/a> \u2013 for free, unbiased and easy-to-access money tools, information and advice.<\/p><p>Mon to Fri 8am-8pm, Sat 9am-1pm<\/p><p><a href=\"https:\/\/www.moneyhelper.org.uk\/en\">MoneyHelper <\/a>provides free, unbiased easy-to-access money tools, information and advice backed by the government for people across the UK.<\/p><p>You could also try their free online <a href=\"https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/budgeting\/budget-planner\">budget planner<\/a>.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.gov.uk\/benefits-calculators\" target=\"_blank\" rel=\"noopener\"><strong>Gov.uk benefits calculators<\/strong><\/a> \u2013 suggested independent benefits calculators.<\/p><p>Use the <a style=\"color: #ef8200;\" href=\"https:\/\/www.gov.uk\/benefits-calculators\">Gov.uk benefits calculators<\/a> to check what you could be entitled to, including:<\/p><ul><li>How much your benefits payments could be<\/li><li>What benefits you could be entitled to<\/li><li>How to update your benefits if your situation were to change.<\/li><\/ul>\t\t\n\t\t<p><a style=\"color: #00839b;\" href=\"https:\/\/themoneycharity.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>The Money Charity<\/strong><\/a> - helps individuals manage their money well and increase their financial wellbeing.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:02070628933\">0207 062 8933<\/a><\/p><p>Mon to Fri 9am-5pm<\/p><p>As the UK\u2019s Financial Capability charity, <a style=\"color: #ef8200;\" href=\"https:\/\/themoneycharity.org.uk\/\" target=\"_blank\" rel=\"noopener\">The Money Charity<\/a>, provides individuals of all ages with information, advice, education, and guidance when it comes to their finances.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.redcross.org.uk\/get-help\/get-help-with-money-problems\" target=\"_blank\" rel=\"noopener\"><strong>British Red Cross<\/strong> <\/a>- assistance for people struggling with the cost of living crisis and financial pressure.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:08081963651\">0808 196 3651<\/a><\/p><p>Mon to Fri 10am-5pm, Wed 10am-8pm<\/p><p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.redcross.org.uk\/get-help\/get-help-with-money-problems\" target=\"_blank\" rel=\"noopener\">British Red Cross<\/a> offers practical, local and emotional support to people across the UK, including money problems.<\/p>\t\t\n\t\t<p><b><a href=\"https:\/\/www.capuk.org\/\" target=\"_blank\" rel=\"noopener\">Christians Against Poverty<\/a><\/b>\u00a0- for debt counselling needs, including\u00a0bankruptcy or insolvency.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:01274760720\">01274 760720<\/a><\/p><p>Mon to Thurs 9:30am-5pm<\/p><p><a style=\"color: #ef8200;\" href=\"https:\/\/www.capuk.org\/\" target=\"_blank\" rel=\"noopener\">Christians Against Poverty<\/a> is a national organisation that specialises in debt counselling for people in financial difficulty, such as bankruptcy and insolvency.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.debtadvicefoundation.org\/\" target=\"_blank\" rel=\"noopener\"><strong>Debt Advice<\/strong><\/a> - free, confidential advice on any aspect of debt.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:08000434050\">0800 043 40 50<\/a><\/p><p>Mon to Fri 8am-6pm<\/p><p>The debt advice and education charity, <a style=\"color: #ef8200;\" href=\"https:\/\/www.debtadvicefoundation.org\/\" target=\"_blank\" rel=\"noopener\">Debt Advice Foundation<\/a>, offers people across the UK, free, confidential support and advice to those worried about loans, credit and debt.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.mind.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>Mind<\/strong> <\/a>- a mental health charity, helping those suffering with their mental health.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:03001233393\">0300 123 3393<\/a><\/p><p>Mon to Fri 9am-6pm<\/p><p><a href=\"https:\/\/www.mind.org.uk\/\">Mind<\/a> provides support and guidance to equip and encourage those dealing with a mental health problem to come out the other side.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.redcross.org.uk\/get-help\/get-help-with-money-problems\" target=\"_blank\" rel=\"noopener\"><strong>British Red Cross<\/strong> <\/a>- assistance for people struggling with the cost of living crisis and financial pressure.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:08081963651\">0808 196 3651<\/a><\/p><p>Mon to Fri 10am-5pm, Wed 10am-8pm<\/p><p>The <a style=\"color: #ef8200;\" href=\"https:\/\/www.redcross.org.uk\/get-help\/get-help-with-money-problems\" target=\"_blank\" rel=\"noopener\">British Red Cross<\/a> offers practical, local and emotional support to people across the UK, including money problems.<\/p>\t\t\n\t\t<p><b><a href=\"https:\/\/www.capuk.org\/\" target=\"_blank\" rel=\"noopener\">Christians Against Poverty<\/a><\/b>\u00a0- for debt counselling needs, including\u00a0bankruptcy or insolvency.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:01274760720\">01274 760720<\/a><\/p><p>Mon to Thurs 9:30am-5pm<\/p><p><a style=\"color: #ef8200;\" href=\"https:\/\/www.capuk.org\/\" target=\"_blank\" rel=\"noopener\">Christians Against Poverty<\/a> is a national organisation that specialises in debt counselling for people in financial difficulty, such as bankruptcy and insolvency.<\/p>\t\t\n\t\t<p><a href=\"https:\/\/www.debtadvicefoundation.org\/\" target=\"_blank\" rel=\"noopener\"><strong>Debt Advice<\/strong><\/a> - free, confidential advice on any aspect of debt.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:08000434050\">0800 043 40 50<\/a><\/p><p>Mon to Fri 8am-6pm<\/p><p>The debt advice and education charity, <a style=\"color: #ef8200;\" href=\"https:\/\/www.debtadvicefoundation.org\/\" target=\"_blank\" rel=\"noopener\">Debt Advice Foundation<\/a>, offers people across the UK, free, confidential support and advice to those worried about loans, credit and debt.<\/p>\t\t\n\t\t<p><a style=\"color: #a61f7d;\" href=\"https:\/\/www.mind.org.uk\/\" target=\"_blank\" rel=\"noopener\"><strong>Mind<\/strong> <\/a>- a mental health charity, helping those suffering with their mental health.<\/p><p>Tel: <a style=\"color: #ef8200;\" href=\"tel:03001233393\">0300 123 3393<\/a><\/p><p>Mon to Fri 9am-6pm<\/p><p><a href=\"https:\/\/www.mind.org.uk\/\">Mind<\/a> provides support and guidance to equip and encourage those dealing with a mental health problem to come out the other side.<\/p>\t\t\n\t\t\t<h2>Debt Respite Scheme (Breathing Space)<\/h2>\t\t\n\t\t<p>If you are finding it difficult to repay your arrears, but are able to pay your monthly repayments, then you could be entitled to \u2018Breathing Space\u2019, which is part of the\u00a0<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/whats-the-debt-respite-scheme-breathing-space\/\" target=\"_blank\" rel=\"noopener\">Government Debt Respite Scheme.<\/a><\/p><p>The Debt Respite Scheme (Breathing Space) gives someone in problem debt the right to legal protections from their creditors whilst they seek debt advice. A breathing space can only be started by a debt advice provider who is authorised by the Financial Conduct Authority to offer debt counselling or a local authority where they provide debt advice to residents. We recommend reaching out to the not-for-profit debt advisory services listed above for further guidance.<\/p><p>When you enter a period of Breathing Space under the Debt Respite Scheme, we will not look to enforce against any existing arrears for the time you are protected by the scheme. However, it is important for you to understand that you should still maintain future payments during this time.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"500\" height=\"340\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help.jpg\" alt=\"\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help.jpg 500w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help-300x204.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<h2>Debt Respite Scheme (Breathing Space)<\/h2>\t\t\n\t\t<p>If you are finding it difficult to repay your arrears, but are able to pay your monthly repayments, then you could be entitled to \u2018Breathing Space\u2019, which is part of the\u00a0<a href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/whats-the-debt-respite-scheme-breathing-space\/\" target=\"_blank\" rel=\"noopener\">Government Debt Respite Scheme.<\/a><\/p><p>The Debt Respite Scheme (Breathing Space) gives someone in problem debt the right to legal protections from their creditors whilst they seek debt advice. A breathing space can only be started by a debt advice provider who is authorised by the Financial Conduct Authority to offer debt counselling or a local authority where they provide debt advice to residents. We recommend reaching out to the not-for-profit debt advisory services listed above for further guidance.<\/p><p>When you enter a period of Breathing Space under the Debt Respite Scheme, we will not look to enforce against any existing arrears for the time you are protected by the scheme. However, it is important for you to understand that you should still maintain future payments during this time.<\/p>\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"500\" height=\"340\" src=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help.jpg\" alt=\"\" srcset=\"https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help.jpg 500w, https:\/\/www.moneybarn.com\/wp-content\/uploads\/2018\/12\/Financial-difficulty-help-300x204.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<p>We understand this can be a stressful time, but you\u2019re not alone. There are people who can help and things you can do. If you\u2019re feeling overwhelmed, or that you can\u2019t cope with your finances there is help available to support your mental wellbeing at this time. Go to the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/credit\/money-problems-and-poor-mental-wellbeing\" target=\"_blank\" rel=\"noopener\">MoneyHelper website<\/a> or phone <a style=\"color: #ef8200;\" href=\"tel:08001387777\">0800 138 7777<\/a>.<\/p><p>We understand this can be a stressful time, but you\u2019re not alone. There are people who can help and things you can do. If you\u2019re feeling overwhelmed, or that you can\u2019t cope with your finances there is help available to support your mental wellbeing at this time. Go to the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\/everyday-money\/credit\/money-problems-and-poor-mental-wellbeing\" target=\"_blank\" rel=\"noopener\">MoneyHelper website<\/a> or phone <a style=\"color: #ef8200;\" href=\"tel:08001387777\">0800 138 7777<\/a>.<\/p>","title":"What support is available if I\u2019m experiencing financial difficulties?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/","slug":"support-available-for-financial-difficulties","topics":"Financial difficulties","keywords":""},{"id":8630,"content":"If you fail to pay any sum due under your agreement on time we may charge you interest on overdue sums in accordance with the terms & conditions of the agreement.\nWe may also need to charge you for costs associated with any or all of the following events:\n<ul>\n \t<li>If you have failed to take reasonable care of the goods, or made modifications in breach of your agreement we may charge you the amount required to bring the goods to a reasonable condition.<\/li>\n \t<li>In the event that an arranged inspection is cancelled by you (within 24 hours of the pre-arranged inspection) or you fail to attend such an inspection then we will be entitled to charge you reasonable wasted expenses.<\/li>\n \t<li>If you terminate your agreement and do not provide the service history required then we may charge you for the reasonable loss in value of the goods.<\/li>\n \t<li>At our discretion we may decide that repairs are not to be undertaken. In this case you may have to pay the reasonable costs which equate to the loss in value of the vehicle caused by the goods not being returned in a reasonable condition.<\/li>\n \t<li>Fees associated with any legal, trace or collection associated with recovering the total amount payable by you under the agreement.<\/li>\n<\/ul>\nThis information is also detailed in your customer contract and our terms & conditions. Please be aware that we may in our absolute discretion vary the charges as described above at any time and upon notifying customers before such changes take effect.If you fail to pay any sum due under your agreement on time we may charge you interest on overdue sums in accordance with the terms & conditions of the agreement.\nWe may also need to charge you for costs associated with any or all of the following events:\n<ul>\n \t<li>If you have failed to take reasonable care of the goods, or made modifications in breach of your agreement we may charge you the amount required to bring the goods to a reasonable condition.<\/li>\n \t<li>In the event that an arranged inspection is cancelled by you (within 24 hours of the pre-arranged inspection) or you fail to attend such an inspection then we will be entitled to charge you reasonable wasted expenses.<\/li>\n \t<li>If you terminate your agreement and do not provide the service history required then we may charge you for the reasonable loss in value of the goods.<\/li>\n \t<li>At our discretion we may decide that repairs are not to be undertaken. In this case you may have to pay the reasonable costs which equate to the loss in value of the vehicle caused by the goods not being returned in a reasonable condition.<\/li>\n \t<li>Fees associated with any legal, trace or collection associated with recovering the total amount payable by you under the agreement.<\/li>\n<\/ul>\nThis information is also detailed in your customer contract and our terms & conditions. Please be aware that we may in our absolute discretion vary the charges as described above at any time and upon notifying customers before such changes take effect.","title":"What charges may apply to my agreement?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/what-charges-may-apply-to-my-agreement\/","slug":"what-charges-may-apply-to-my-agreement","topics":"Your account","keywords":""},{"id":8504,"content":"<p>We will always run an <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability check<\/a> to make sure any finance we offer is suitable for you. Your minimum monthly income must be over \u00a31,000 after tax and the vehicle you want to finance must meet our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>.<\/p><p>We\u2019ll always try to verify your income automatically, but in some cases, we may need more information to prove your income. If this is the case, one of our friendly experts will help guide you through <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/\">our application process<\/a>.<\/p>\t\t\n\t\t\t<h2>Sources of income we accept<\/h2>\t\t\n\t\t<p>We accept a lot of income types, but all incomes listed below must be additional to an income from either employment or pension.<\/p><p>You must also be able to show proof of receiving these from the last 2 consecutive months.<\/p>\t\t\n\t\t\t<h3>Income<\/h3>\t\t\n\t\t<ul><li>Basic salary<\/li><li>Commission<\/li><li>Regular overtime<\/li><li>Income from previous employment, if you\u2019ve just moved jobs<\/li><li>Construction Industry Scheme (CIS)<\/li><li>Dividends (as a Director)<\/li><li>Paypal, if there are payments across 2 consecutive months<\/li><li>Cash deposits<\/li><li>Bank transfers<\/li><li>Car allowances<\/li><li>Monthly NHS nursing bursary<\/li><\/ul>\t\t\n\t\t\t<h3>Pensions<\/h3>\t\t\n\t\t<ul><li>State Pension<\/li><li>Occupational Pension<\/li><li>Personal Pension<\/li><li>Stakeholder Pension<\/li><li>PPF Pension<\/li><li>War Widow's Pension<\/li><\/ul>\t\t\n\t\t\t<h3>Benefits<\/h3>\t\t\n\t\t<ul><li>Disability Living Allowance (DLA)<\/li><li>Carers Allowance (CA)<\/li><li>Universal Credit<\/li><li>Employment and Support Allowance (ESA)<\/li><li>Child Tax Credits<\/li><li>Working Tax Credits<\/li><li>Child maintenance payments<\/li><li>Housing Benefit<\/li><li>Child Benefit<\/li><li>Guardian's Allowance<\/li><li>Industrial Injuries Disablement Benefit<\/li><li>Bereavement Support Payment<\/li><li>Attendance Allowance<\/li><li>Constant Attendance Allowance<\/li><li>Armed Forces Independence Allowance<\/li><li>Reduced Earnings Allowance<\/li><li>Adult Disability Payment (in Scotland)<\/li><\/ul><p>For more information, our guide outlines <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/car-finance-on-benefits\/\">how to get car finance on benefits<\/a>.<\/p>\t\t\n\t\t\t<h2>Sources of income we do not accept<\/h2>\t\t\n\t\t<ul><li>Annual or one-off bonuses<\/li><li>Unemployment benefit<\/li><li>Expenses<\/li><li>Non-nursing bursaries<\/li><li>Student grants or awards<\/li><li>Jobseeker's Allowance<\/li><li>Income Support<\/li><li>Parents' Learning Allowance<\/li><li>Care to Learn<\/li><li>Support for Mortgage Interest (SMI)<\/li><\/ul><p>We will always run an <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/what-is-an-affordability-check\/\">affordability check<\/a> to make sure any finance we offer is suitable for you. Your minimum monthly income must be over \u00a31,000 after tax and the vehicle you want to finance must meet our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>.<\/p><p>We\u2019ll always try to verify your income automatically, but in some cases, we may need more information to prove your income. If this is the case, one of our friendly experts will help guide you through <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/application-process\/\">our application process<\/a>.<\/p>\t\t\n\t\t\t<h2>Sources of income we accept<\/h2>\t\t\n\t\t<p>We accept a lot of income types, but all incomes listed below must be additional to an income from either employment or pension.<\/p><p>You must also be able to show proof of receiving these from the last 2 consecutive months.<\/p>\t\t\n\t\t\t<h3>Income<\/h3>\t\t\n\t\t<ul><li>Basic salary<\/li><li>Commission<\/li><li>Regular overtime<\/li><li>Income from previous employment, if you\u2019ve just moved jobs<\/li><li>Construction Industry Scheme (CIS)<\/li><li>Dividends (as a Director)<\/li><li>Paypal, if there are payments across 2 consecutive months<\/li><li>Cash deposits<\/li><li>Bank transfers<\/li><li>Car allowances<\/li><li>Monthly NHS nursing bursary<\/li><\/ul>\t\t\n\t\t\t<h3>Pensions<\/h3>\t\t\n\t\t<ul><li>State Pension<\/li><li>Occupational Pension<\/li><li>Personal Pension<\/li><li>Stakeholder Pension<\/li><li>PPF Pension<\/li><li>War Widow's Pension<\/li><\/ul>\t\t\n\t\t\t<h3>Benefits<\/h3>\t\t\n\t\t<ul><li>Disability Living Allowance (DLA)<\/li><li>Carers Allowance (CA)<\/li><li>Universal Credit<\/li><li>Employment and Support Allowance (ESA)<\/li><li>Child Tax Credits<\/li><li>Working Tax Credits<\/li><li>Child maintenance payments<\/li><li>Housing Benefit<\/li><li>Child Benefit<\/li><li>Guardian's Allowance<\/li><li>Industrial Injuries Disablement Benefit<\/li><li>Bereavement Support Payment<\/li><li>Attendance Allowance<\/li><li>Constant Attendance Allowance<\/li><li>Armed Forces Independence Allowance<\/li><li>Reduced Earnings Allowance<\/li><li>Adult Disability Payment (in Scotland)<\/li><\/ul><p>For more information, our guide outlines <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/bad-credit-car-finance\/car-finance-on-benefits\/\">how to get car finance on benefits<\/a>.<\/p>\t\t\n\t\t\t<h2>Sources of income we do not accept<\/h2>\t\t\n\t\t<ul><li>Annual or one-off bonuses<\/li><li>Unemployment benefit<\/li><li>Expenses<\/li><li>Non-nursing bursaries<\/li><li>Student grants or awards<\/li><li>Jobseeker's Allowance<\/li><li>Income Support<\/li><li>Parents' Learning Allowance<\/li><li>Care to Learn<\/li><li>Support for Mortgage Interest (SMI)<\/li><\/ul>","title":"What sources of income do you accept?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/your-application\/what-sources-of-income-do-you-accept\/","slug":"what-sources-of-income-do-you-accept","topics":"Your application","keywords":""},{"id":8332,"content":"<p>You can make <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">additional payments<\/a> to reduce the balance of your finance agreement at any point. Simply call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Service Team<\/a> to let them know how much you want to pay, and they can let you know how that will impact your agreement.<\/p><p>You can make <a href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">additional payments<\/a> to reduce the balance of your finance agreement at any point. Simply call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Service Team<\/a> to let them know how much you want to pay, and they can let you know how that will impact your agreement.<\/p>\t\t\n\t\t<h5>Customer Services Team<\/h5><p>You can call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\" data-wplink-edit=\"true\">Customer Services Team<\/a> who will walk you through the process and the payment methods available.<\/p>\t\t\n\t\t<h5 style=\"text-align: center;\">Customer Services Team<\/h5><p style=\"text-align: center;\">You can call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Services Team<\/a> who will walk you through the process and the payment methods available.<\/p><p>Please note, these additional payments won\u2019t replace your regular monthly repayments, which will continue as usual. However, by making these extra payments, you could reduce your total finance balance and bring your final payment date forward. If this is something you\u2019d like to consider, then please give us a call on the number above.<\/p><p>Please note, these additional payments won\u2019t replace your regular monthly repayments, which will continue as usual. However, by making these extra payments, you could reduce your total finance balance and bring your final payment date forward. If this is something you\u2019d like to consider, then please give us a call on the number above.<\/p>","title":"How can I make an additional payment?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-can-i-make-an-additional-payment\/","slug":"how-can-i-make-an-additional-payment","topics":"Your account","keywords":""},{"id":8330,"content":"<p>We hope you won\u2019t have any <a href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/issues-with-a-financed-car\/\">problems with your financed vehicle<\/a>, but if you do end up with issues, we want you to feel supported.<\/p><p>If you discover an issue early in your agreement, we\u2019d advise you to reach out to the vehicle supplier directly. They should be able to help you investigate and resolve the issue. We can assist you and\/or reach out to the vehicle supplier on your behalf, just call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Services Team<\/a> who will be able to explain the next steps.<\/p><p>If issues develop further into the agreement, then it\u2019s your responsibility to investigate, and pay for any repairs. This includes <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/how-can-we-avoid-silly-mot-failures\/\">MOTs<\/a>,\u00a0<a href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/how-often-to-service-your-car\/\">regular servicing<\/a>, as well as, any issues that crop up through wear and tear of the vehicle.<\/p>\t\t\n\t\t\t<h2>Feedback and complaints<\/h2>\t\t\n\t\t<p>If you believe our service has been unsatisfactory or if there\u2019s an issue with your financed vehicle, then we\u2019d like to know. To raise a complaint about your faulty vehicle, please follow our <a href=\"https:\/\/www.moneybarn.com\/about-us\/feedback-and-complaints\/\">complaints process<\/a>. We\u2019ll reach out to the finance broker, and\/or vehicle dealership to begin investigating the complaint.<\/p>\n<p>If you\u2019d like to speak to us about an existing complaint, please see the details below:<\/p>\n<ul>\n<li>Phone: <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a><\/li>\n<li>Email: <a style=\"color: #ef8200;\" href=\"mailto:complaints@moneybarn.com\">complaints@moneybarn.com<\/a><\/li>\n<\/ul>\nYou can find our opening hours on our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page.<p>We hope you won\u2019t have any <a href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/issues-with-a-financed-car\/\">problems with your financed vehicle<\/a>, but if you do end up with issues, we want you to feel supported.<\/p><p>If you discover an issue early in your agreement, we\u2019d advise you to reach out to the vehicle supplier directly. They should be able to help you investigate and resolve the issue. We can assist you and\/or reach out to the vehicle supplier on your behalf, just call our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Services Team<\/a> who will be able to explain the next steps.<\/p><p>If issues develop further into the agreement, then it\u2019s your responsibility to investigate, and pay for any repairs. This includes <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/how-can-we-avoid-silly-mot-failures\/\">MOTs<\/a>,\u00a0<a href=\"https:\/\/www.moneybarn.com\/blog\/looking-after-your-vehicle\/how-often-to-service-your-car\/\">regular servicing<\/a>, as well as, any issues that crop up through wear and tear of the vehicle.<\/p>\t\t\n\t\t\t<h2>Feedback and complaints<\/h2>\t\t\n\t\t<p>If you believe our service has been unsatisfactory or if there\u2019s an issue with your financed vehicle, then we\u2019d like to know. To raise a complaint about your faulty vehicle, please follow our <a href=\"https:\/\/www.moneybarn.com\/about-us\/feedback-and-complaints\/\">complaints process<\/a>. We\u2019ll reach out to the finance broker, and\/or vehicle dealership to begin investigating the complaint.<\/p>\n<p>If you\u2019d like to speak to us about an existing complaint, please see the details below:<\/p>\n<ul>\n<li>Phone: <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a><\/li>\n<li>Email: <a style=\"color: #ef8200;\" href=\"mailto:complaints@moneybarn.com\">complaints@moneybarn.com<\/a><\/li>\n<\/ul>\nYou can find our opening hours on our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page.","title":"What if I have an issue with my financed vehicle?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/what-if-i-have-an-issue-with-my-financed-vehicle\/","slug":"what-if-i-have-an-issue-with-my-financed-vehicle","topics":"Your vehicle","keywords":""},{"id":8329,"content":"<p>At Moneybarn we offer a \u2018<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale Agreement<\/a>\u2019 which means we legally own the vehicle while you are paying off your vehicle finance. Once all repayments have been paid then the vehicle can be transferred to be yours legally.<\/p><p>If you are looking to change or upgrade your vehicle, then you would need to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">settle your existing agreement<\/a>. This can be done by part exchanging or selling your vehicle to a reputable dealership or large franchise. However, the amount you\u2019re offered for the vehicle would need to be enough to settle the agreement in full. If the amount offered is less than the settlement figure then you cannot sell, or part exchange the vehicle.<\/p><p>If you\u2019ve paid your agreement off and the vehicle is now legally yours, you are free to sell or part-exchange your vehicle. This means, if you want, you can part-exchange your car and put this money towards a new vehicle. You might also want to buy a cheaper vehicle outright, or you might need less finance to be able to buy a new car using this money as a deposit. The choice is up to you at this point.<\/p><p>For more information, check out our related guides:<\/p><ul><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">Can you make additional payments on car finance?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/can-you-have-two-cars-on-finance-at-once\/\">Can you finance two cars at once?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-change-your-car-on-finance\/\">Can you change your car with outstanding finance?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-sell-a-car-with-outstanding-finance\/\">Can you sell a car with outstanding finance?<\/a><\/li><li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-sell-a-motorbike-on-finance\/\">Can you sell a motorcycle with outstanding finance?<\/a><\/li><\/ul><p>At Moneybarn we offer a \u2018<a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/what-is-cs-finance\/\">Conditional Sale Agreement<\/a>\u2019 which means we legally own the vehicle while you are paying off your vehicle finance. Once all repayments have been paid then the vehicle can be transferred to be yours legally.<\/p>\n<p>If you are looking to change or upgrade your vehicle, then you would need to <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/how-do-you-calculate-my-early-settlement-figure\/\">settle your existing agreement<\/a>. This can be done by part exchanging or selling your vehicle to a reputable dealership or large franchise.<\/p><p>However, the amount you\u2019re offered for the vehicle would need to be enough to settle the agreement in full. If the amount offered is less than the settlement figure then you cannot sell, or part exchange the vehicle.<\/p>\n<p>If you\u2019ve paid your agreement off and the vehicle is now legally yours, you are free to sell or part-exchange your vehicle. This means, if you want, you can part-exchange your car and put this money towards a new vehicle.<\/p><p>You might also want to buy a cheaper vehicle outright, or you might need less finance to be able to buy a new car using this money as a deposit. The choice is up to you at this point.<\/p>\n<p>For more information, check out our related guides:<\/p>\n<ul>\n<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-make-additional-payments-on-car-finance\/\">Can you make additional payments on car finance?<\/a><\/li>\n<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/can-you-have-two-cars-on-finance-at-once\/\">Can you finance two cars at once?<\/a><\/li>\n<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-change-your-car-on-finance\/\">Can you change your car with outstanding finance?<\/a><\/li>\n<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-sell-a-car-with-outstanding-finance\/\">Can you sell a car with outstanding finance?<\/a><\/li>\n<li><a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/blog\/your-money\/can-you-sell-a-motorbike-on-finance\/\">Can you sell a motorcycle with outstanding finance?<\/a><\/li>\n<\/ul>","title":"Options for changing or upgrading your vehicle","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/options-for-changing-or-upgrading-your-vehicle\/","slug":"options-for-changing-or-upgrading-your-vehicle","topics":"Your vehicle","keywords":""},{"id":1129,"content":"<p>Why not <a href=\"https:\/\/bit.ly\/3jVsCJP\">watch this short video<\/a> which gives you an idea of what to expect when you call us about arrears?<\/p><p>Please always get in touch and let us know if you are unable to make a payment \u2013 we\u2019re always happy to discuss your situation, and we will try to help where we can with the best outcome for you.<\/p><p>If you are finding it difficult to repay your arrears then you could be entitled to some \u2018Breathing Space\u2019, which is part of the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/whats-the-debt-respite-scheme-breathing-space\/\">Government Debt Respite Scheme.<\/a> If you feel that you need time to seek advice and come up with a repayment plan or debt solution, then this is here to help you. The first thing to do is seek support, as Moneybarn are unable to give debt advice or assess whether you are eligible for the Breathing Space scheme. We would suggest starting by talking to a debt support organisations and charities such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\">StepChange<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a>\u00a0to name a few.<\/p><p>You can call our Customer Services Team on\u00a0<a style=\"color: #ef8200;\" href=\"tel:0330%20555%201230\">0330 555 1230<\/a> who will happily talk you through the support options we have available to you. They will be able to tell you who to speak to about your eligibility for the Breathing Space scheme, as well as refer you to any helpful support organisations. By calling us we hope to be able to help you stay in your vehicle.<\/p><p>Why not <a href=\"https:\/\/bit.ly\/3jVsCJP\">watch this short video<\/a> which gives you an idea of what to expect when you call us about arrears?<\/p><p>Please always get in touch and let us know if you are unable to make a payment \u2013 we\u2019re always happy to discuss your situation, and we will try to help where we can with the best outcome for you.<\/p><p>If you are finding it difficult to repay your arrears then you could be entitled to some \u2018Breathing Space\u2019, which is part of the <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/whats-the-debt-respite-scheme-breathing-space\/\">Government Debt Respite Scheme.<\/a> If you feel that you need time to seek advice and come up with a repayment plan or debt solution, then this is here to help you. The first thing to do is seek support, as Moneybarn are unable to give debt advice or assess whether you are eligible for the Breathing Space scheme. We would suggest starting by talking to a debt support organisations and charities such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\">StepChange<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.payplan.com\/\" target=\"_blank\" rel=\"noopener\">PayPlan<\/a>\u00a0to name a few.<\/p><p>You can call our Customer Services Team on\u00a0<a style=\"color: #ef8200;\" href=\"tel:0330%20555%201230\">0330 555 1230<\/a> who will happily talk you through the support options we have available to you. They will be able to tell you who to speak to about your eligibility for the Breathing Space scheme, as well as refer you to any helpful support organisations. By calling us we hope to be able to help you stay in your vehicle.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>","title":"What should I do if I cannot make a payment?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/what-should-i-do-if-i-cannot-make-a-payment\/","slug":"what-should-i-do-if-i-cannot-make-a-payment","topics":"Financial difficulties","keywords":""},{"id":1130,"content":"As a vehicle finance provider, we have a responsibility to ensure any payment arrangements we agree with customers are affordable and sustainable; if we ask you to complete our income and expenditure form and give us full details around your income and outgoings, it\u2019s so that we can fully understand your other financial commitments and make sure that any payment plan we agree with you is set at a suitable level.As a vehicle finance provider, we have a responsibility to ensure any payment arrangements we agree with customers are affordable and sustainable; if we ask you to complete our income and expenditure form and give us full details around your income and outgoings, it\u2019s so that we can fully understand your other financial commitments and make sure that any payment plan we agree with you is set at a suitable level.","title":"Why do we need income and expenditure details?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/why-do-we-need-income-and-expenditure-details\/","slug":"why-do-we-need-income-and-expenditure-details","topics":"Your account","keywords":""},{"id":1132,"content":"We will send you a statement each year, shortly after the start date of your agreement. The statement will give you a full update on the agreement, confirming how much you owe at that point, and the payments you\u2019ve made over the last year.\nIf you need a statement showing the latest position of your agreement at any point, you can contact our Customer Services Team on <a href=\"tel:0330 555 1230\">0330 555 1230<\/a> and request this.We will send you a statement each year, shortly after the start date of your agreement. The statement will give you a full update on the agreement, confirming how much you owe at that point, and the payments you\u2019ve made over the last year.\nIf you need a statement showing the latest position of your agreement at any point, you can contact our Customer Services Team on <a href=\"tel:0330 555 1230\">0330 555 1230<\/a> and request this.","title":"When will I receive an account statement?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-account\/when-will-i-receive-an-account-statement\/","slug":"when-will-i-receive-an-account-statement","topics":"Your account","keywords":""},{"id":1140,"content":"<p>If your vehicle has been damaged or stolen please contact our <a style=\"color: #ef8200;\" href=\"tel:03305551230\">Customer Services Team<\/a> as soon as you can and we\u2019ll be able to guide you through what happens next.<\/p>\n<p>Every accident or theft is different, so once we know what\u2019s happened, we\u2019ll be able to give you tailored advice depending on your exact circumstances and situation.<\/p><p>If your vehicle has been damaged or stolen please contact our <a href=\"tel:03305551230\">Customer Services Team<\/a> as soon as you can and we\u2019ll be able to guide you through what happens next.<\/p><p>Every accident or theft is different, so once we know what\u2019s happened, we\u2019ll be able to give you tailored advice depending on your exact circumstances and situation.<\/p>","title":"What if my vehicle is damaged or stolen?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/your-vehicle\/what-if-my-vehicle-is-damaged-or-stolen\/","slug":"what-if-my-vehicle-is-damaged-or-stolen","topics":"Your vehicle","keywords":""},{"id":1133,"content":"<p>If the arrears on your agreement have built up to an unsustainable level, and we haven\u2019t been able to reach you to agree a way forward, or if you\u2019ve broken a crucial condition of the agreement, then we will have to send you a Default Notice. You should read this document carefully, and if you are able to, take the action required by the notice.<\/p>\n<p>We will always want to work with you to get the best outcome possible, so we recommend you contact our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">Customer Services Team<\/a>, so we can work through your options. If we\u2019ve sent you a Default Notice and we don\u2019t hear from you, we will move forward with our Default Termination process and look to recover the vehicle.<\/p>\n<h2>What is a Default Notice?<\/h2>\n<p>A default notice is a formal letter which is usually sent by a creditor after three to six missed payments. They can only be issued for debts that are regulated by the Consumer Credit Act.<br>The default notice letter will warn that your finance account or agreement is about to \u2018default\u2019 (meaning the debt has failed to be paid or the agreement has otherwise failed to be met), usually because you\u2019re behind with your payments or because of another breach of the agreement terms and conditions.<\/p>\n<p>There are many things a default notice letter will include:<\/p>\n<ul>\n<li>The type of agreement<\/li>\n<li>The agreement terms that have been broken<\/li>\n<li>What you should do to put the account in order (how much you need to pay and by when)<\/li>\n<li>What the creditor will do if you don\u2019t comply with the request<\/li>\n<li>How long you have to respond (this should be a minimum of 14 days)<\/li>\n<li>It will also include an information sheet from the Financial Conduct Authority with guidance on what to do and how to get free debt advice.<\/li>\n<\/ul>\n<p>If we\u2019ve sent you a Default Notice, and you want to discuss your options or for us to explain any of the information it contains, please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact our Customer Services Team<\/a> as soon as you can.<\/p><p>If the arrears on your agreement have built up to an unsustainable level, and we haven\u2019t been able to reach you to agree a way forward, or if you\u2019ve broken a crucial condition of the agreement, then we will have to send you a Default Notice. You should read this document carefully, and if you are able to, take the action required by the notice.<\/p>\n<p>We will always want to work with you to get the best outcome possible, so we recommend you contact our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">Customer Services Team<\/a>, so we can work through your options. If we\u2019ve sent you a Default Notice and we don\u2019t hear from you, we will move forward with our Default Termination process and look to recover the vehicle.<\/p>\n<h2>What is a Default Notice?<\/h2>\n<p>A default notice is a formal letter which is usually sent by a creditor after three to six missed payments. They can only be issued for debts that are regulated by the Consumer Credit Act.<br>The default notice letter will warn that your finance account or agreement is about to \u2018default\u2019 (meaning the debt has failed to be paid or the agreement has otherwise failed to be met), usually because you\u2019re behind with your payments or because of another breach of the agreement terms and conditions.<\/p>\n<p>There are many things a default notice letter will include:<\/p>\n<ul>\n<li>The type of agreement<\/li>\n<li>The agreement terms that have been broken<\/li>\n<li>What you should do to put the account in order (how much you need to pay and by when)<\/li>\n<li>What the creditor will do if you don\u2019t comply with the request<\/li>\n<li>How long you have to respond (this should be a minimum of 14 days)<\/li>\n<li>It will also include an information sheet from the Financial Conduct Authority with guidance on what to do and how to get free debt advice.<\/li>\n<\/ul>\n<p>If we\u2019ve sent you a Default Notice, and you want to discuss your options or for us to explain any of the information it contains, please <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact our Customer Services Team<\/a> as soon as you can.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>","title":"What should I do if I receive a Default Notice?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/what-should-i-do-if-i-receive-a-default-notice\/","slug":"what-should-i-do-if-i-receive-a-default-notice","topics":"Financial difficulties","keywords":""},{"id":1135,"content":"<p>If your agreement has been terminated and you have not yet received official confirmation of this, you will receive this shortly. This will be a letter explaining what will happen next and what you need to do.<\/p><p>We\u2019ll keep trying to reach you to explain the next steps and what you need to do at each stage of the process.<\/p><p>We always want to work with customers to ensure you get the best outcome possible so please speak to us if you are in any doubt about what is happening or why. If you want more information, or if you want to update us on your circumstances please contact our Customer Services Team on <a style=\"color: #000000;\" href=\"tel:0330%20555%201230\">0330 555 1230<\/a>.<\/p><p>If your agreement has been terminated and you have not yet received official confirmation of this, you will receive this shortly. This will be a letter explaining what will happen next and what you need to do.<\/p><p>We\u2019ll keep trying to reach you to explain the next steps and what you need to do at each stage of the process.<\/p><p>We always want to work with customers to ensure you get the best outcome possible so please speak to us if you are in any doubt about what is happening or why. If you want more information, or if you want to update us on your circumstances please contact our Customer Services Team on <a style=\"color: #000000;\" href=\"tel:0330%20555%201230\">0330 555 1230<\/a>.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>","title":"What happens when my agreement is terminated?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/what-happens-when-my-agreement-is-terminated\/","slug":"what-happens-when-my-agreement-is-terminated","topics":"Financial difficulties","keywords":""},{"id":1136,"content":"<p>Please always keep us informed of any changes in your circumstances. You can call us on <a style=\"color: #000000;\" href=\"tel:03305551230\">0330 555 1230<\/a> and speak to a member of our Customer Services Team.<\/p><p>If you are experiencing financial difficulties, there are many charities out there that can offer free financial advice such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\">Step Change<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\">Money Helper<\/a>, <a style=\"color: #000000;\" href=\"https:\/\/www.nationaldebtline.org\/\">National Debtline<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice<\/a> who all have teams of dedicated advisors who are only a phone call away.<\/p><p>Please always keep us informed of any changes in your circumstances. You can call us on <a style=\"color: #000000;\" href=\"tel:03305551230\">0330 555 1230<\/a> and speak to a member of our Customer Services Team.<\/p><p>If you are experiencing financial difficulties, there are many charities out there that can offer free financial advice such as <a style=\"color: #ef8200;\" href=\"https:\/\/www.stepchange.org\/\">Step Change<\/a>, <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneyhelper.org.uk\/en\">Money Helper<\/a>, <a style=\"color: #000000;\" href=\"https:\/\/www.nationaldebtline.org\/\">National Debtline<\/a> and <a style=\"color: #ef8200;\" href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice<\/a> who all have teams of dedicated advisors who are only a phone call away.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>\t\t\n\t\t\t<h3>We're here to help...<\/h3>\t\t\n\t\t\t<h4>Financial difficulties<\/h4>\t\t\n\t\t<p>If you're experiencing financial difficulties, we want to help. Please take a look at the different <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/support-available-for-financial-difficulties\/\">support available to you<\/a> and together we'll find a solution suitable for your personal circumstances.<\/p>\t\t\n\t\t\t<h4>Contact us<\/h4>\t\t\n\t\t<p>You can call our Customer Services Team on <a style=\"color: #ef8200;\" href=\"tel:03305551230\">0330 555 1230<\/a>. Please see our <a href=\"https:\/\/www.moneybarn.com\/contact-us\/\">contact us<\/a> page for opening hours.<\/p>","title":"What if I become bankrupt or enter an IVA?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/existing-customers\/financial-difficulties\/what-if-i-become-bankrupt-or-enter-an-iva\/","slug":"what-if-i-become-bankrupt-or-enter-an-iva","topics":"Financial difficulties","keywords":""},{"id":418,"content":"If we provisionally approve your application, we\u2019ll ask you to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. Once we\u2019ve confirmed your full acceptance for finance and finalised your agreement with us, we\u2019ll pay out the lend amount to the vehicle supplier and send you a confirmation email so you know that\u2019s happened.\r\n\r\nOnce you have received confirmation, please contact your dealer to arrange collection of your new vehicle.\r\n\r\nIf we provisionally approve your application, we\u2019ll ask you to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. Once we\u2019ve confirmed your full acceptance for finance and finalised your agreement with us, we\u2019ll pay out the lend amount to the vehicle supplier and send you a confirmation email so you know that\u2019s happened.\r\n\r\nOnce you have received confirmation, please contact your dealer to arrange collection of your new vehicle.","title":"If I\u2019m accepted for finance, when can I pick up my vehicle?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/if-im-accepted-when-can-i-pick-up-my-vehicle\/","slug":"if-im-accepted-when-can-i-pick-up-my-vehicle","topics":"The vehicle","keywords":""},{"id":411,"content":"We provide vehicle finance, but we aren\u2019t a dealership and don\u2019t provide the actual vehicle. We can help advise you on whether the dealership you choose is reputable, but we won\u2019t tell you what vehicle to buy or where to buy it from. After all, it\u2019s your vehicle and you want to find a vehicle that is most suitable to your needs.\r\n\r\nThe vehicle and the dealership you choose however will need to fit within our <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending and dealership criteria<\/a>, and if it doesn\u2019t we won\u2019t be able to finance you for a vehicle from that particular dealership. This is to protect you, and make sure you buy a reliable vehicle from a trusted dealership.\r\n\r\nA reputable dealer will have a physical showroom or forecourt, be FCA registered and have a website with a landline number. They may also only offer viewings or test drives by appointment-only. You will <strong>not<\/strong> be able to purchase a vehicle from a private seller as this does not fit within our dealership criteria.\r\n\r\nIf you don\u2019t know what vehicle you want yet, or haven\u2019t found it, you can still <a href=\"https:\/\/www.moneybarn.com\/apply\/\">apply with us<\/a> to find out if we can offer you finance and how much. You\u2019ll then know what amount you have to play with as you continue your search. We will also be able to suggest some vehicle dealers in your area and help with your search if needed.\r\n\r\nWe provide vehicle finance, but we aren\u2019t a dealership and don\u2019t provide the actual vehicle. We can help advise you on whether the dealership you choose is reputable, but we won\u2019t tell you what vehicle to buy or where to buy it from. After all, it\u2019s your vehicle and you want to find a vehicle that is most suitable to your needs.\r\n\r\nThe vehicle and the dealership you choose however will need to fit within our <a href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending and dealership criteria<\/a>, and if it doesn\u2019t we won\u2019t be able to finance you for a vehicle from that particular dealership. This is to protect you, and make sure you buy a reliable vehicle from a trusted dealership.\r\n\r\nA reputable dealer will have a physical showroom or forecourt, be FCA registered and have a website with a landline number. They may also only offer viewings or test drives by appointment-only. You will <strong>not<\/strong> be able to purchase a vehicle from a private seller as this does not fit within our dealership criteria.\r\n\r\nIf you don\u2019t know what vehicle you want yet, or haven\u2019t found it, you can still <a href=\"https:\/\/www.moneybarn.com\/apply\/\">apply with us<\/a> to find out if we can offer you finance and how much. You\u2019ll then know what amount you have to play with as you continue your search. We will also be able to suggest some vehicle dealers in your area and help with your search if needed.","title":"Do I have to purchase my vehicle through you?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/do-i-have-to-purchase-my-vehicle-through-you\/","slug":"do-i-have-to-purchase-my-vehicle-through-you","topics":"The vehicle","keywords":""},{"id":413,"content":"<p>We can finance a wide range of vehicle types, but there are a few vehicle types we can\u2019t offer finance on:<\/p>\n<ul>\n<li>Cars used for driving instruction<\/li>\n<li>Left-hand drive car or parallel (grey) import cars<\/li>\n<li>Cars used for taxi, limousines, driving schools and couriers<\/li>\n<li>Motorhomes, caravans, campervans or heavy commercial cars<\/li>\n<li>Farm vehicles<\/li>\n<li>Specialist types of Light Commercial Vehicles, such as cranes, cherry pickers or any vehicle with specialised bodywork<\/li>\n<li>Mini buses or mini cabs<\/li>\n<li>Vehicles to be used for removal purposes<\/li>\n<\/ul>\n<p>Find out more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>.<\/p><p>We can finance a wide range of vehicle types, but there are a few vehicle types we can\u2019t offer finance on:<\/p>\n<ul>\n<li>Cars used for driving instruction<\/li>\n<li>Left-hand drive car or parallel (grey) import cars<\/li>\n<li>Cars used for taxi, limousines, driving schools and couriers<\/li>\n<li>Motorhomes, caravans, campervans or heavy commercial cars<\/li>\n<li>Farm vehicles<\/li>\n<li>Specialist types of Light Commercial Vehicles, such as cranes, cherry pickers or any vehicle with specialised bodywork<\/li>\n<li>Mini buses or mini cabs<\/li>\n<li>Vehicles to be used for removal purposes<\/li>\n<\/ul>\n<p>Find out more about our <a style=\"color: #ef8200;\" href=\"https:\/\/www.moneybarn.com\/how-it-works\/lending-criteria\/\">lending criteria<\/a>.<\/p>","title":"What vehicles do you not finance?","link":"https:\/\/www.moneybarn.com\/how-it-works\/faqs\/the-application-process\/the-vehicle\/what-vehicles-do-you-not-finance\/","slug":"what-vehicles-do-you-not-finance","topics":"The vehicle","keywords":""}]}; 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