moneybarn PLC

What moneybarn PLC does

Moneybarn PLC is a UK specialist vehicle finance lender, founded in 1992 (operational since 1993) and headquartered in Petersfield, Hampshire. Operating as a trading style of Moneybarn No. 1 Limited and Moneybarn Limited, it is a wholly owned subsidiary of Vanquis Banking Group plc, a London Stock Exchange-listed specialist lender. Moneybarn serves UK consumers who have been refused vehicle finance by mainstream lenders, with a particular focus on sub-prime and bad-credit borrowers (defaults, CCJs, IVAs, DROs) as well as self-employed applicants. The company extends finance on cars, vans, and motorbikes through Conditional Sale, Personal Contract Purchase (PCP), Personal Contract Hire (PCH), and Hire Purchase arrangements, with APRs ranging from 16.8% to 47.5% and has helped nearly 400,000 customers access vehicle finance.

Name

moneybarn PLC

Legal name

Moneybarn No. 1 Limited

Website

https://moneybarn.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

Moneybarn PLC is a UK specialist vehicle finance lender serving sub-prime, bad-credit, and self-employed consumers with car, van, and motorbike finance via Conditional Sale, PCP, PCH, and Hire Purchase products under FCA authorisation, operating as a subsidiary of Vanquis Banking Group plc.

Ownership category

akta.pro rank

Product category

Consumer Vehicle Finance

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172)

akta.pro primary industry

BNPL for Digital Goods & Subscriptions (FSAKACAL)

akta.pro secondary industries

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• Vehicle finance
• Subprime lending
• Consumer auto loans
• Bad credit financing
• Hire purchase agreements

Headquarters

HQ city

Petersfield

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Vehicle Finance Interest and Fees: Moneybarn generates revenue through interest charges on Conditional Sale, PCP, PCH, and Hire Purchase vehicle finance agreements. The company offers APRs ranging from 16.8% to 47.5%. Revenue is earned through monthly payments from customers over the term of their finance agreements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Moneybarn PLC is a UK-based specialist vehicle finance lender providing Conditional Sale, Personal Contract Purchase (PCP), Personal Contract Hire (PCH), and Hire Purchase agreements for cars, vans, and motorbikes. The company specialises in serving sub-prime and bad credit customers who have been refused finance by mainstream lenders, offering APRs ranging from 16.8% to 47.5%. Customers manage their accounts through the My Moneybarn online portal and can apply directly, by phone, or via brokers and affiliates.

Product overview

Moneybarn is a specialist UK vehicle finance lender offering Conditional Sale finance products for cars, vans, and motorbikes with APRs from 16.8% to 47.5%. The core Conditional Sale product enables customers to spread vehicle costs and own the vehicle upon final payment. A secondary Personal Contract Hire (PCH) product offers 3-year vehicle leasing without ownership option. The portfolio includes specialised products for bad credit customers (including those with defaults, CCJs, IVAs, and DROs), no deposit options, electric and hybrid vehicle finance, and self-employed finance. Customers access and manage accounts through the My Moneybarn online portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Finance Vehicle finance for purchasing cars, available for new and used vehicles through Conditional Sale agreements, with APRs ranging from 16.8% to 47.5%.
• Van Finance Finance product giving access to a van without paying a lump sum upfront, potentially available even if the customer has been refused elsewhere.
• Motorbike Finance Vehicle finance for motorbikes using Conditional Sale agreement where ownership transfers to the customer upon final payment.
• Personal Contract Hire (PCH) Vehicle leasing agreement where customers lease a brand new car for a 3-year period; Moneybarn remains the legal owner and there is no option to buy at the end of the term.
• Conditional Sale Finance Vehicle finance product where customers spread the cost of a car, van, or motorbike over monthly payments; upon final payment the customer legally owns the vehicle.
• Bad Credit Car Finance Vehicle finance options for customers with poor credit histories, including those with defaults, CCJs, mortgage arrears, DROs, or overdraft issues.
• Bad Credit Van Finance Van finance options designed for customers who have been refused finance elsewhere due to credit issues.
• Bad Credit Motorbike Finance Motorbike finance options for customers with adverse credit histories.
• Hybrid Car Finance Finance options for purchasing hybrid vehicles.
• Electric Car Finance Finance options specifically for purchasing electric vehicles.
• Self-Employed Car Finance Car finance tailored for self-employed individuals with alternative income verification.
• My Moneybarn Customer Portal Online customer portal allowing account management including payments, payment date changes, early settlement figures, balance viewing, and secure messaging.

Quantifiable outcome

• Nearly 400,000 customers helped gain access to vehicle finance when others wouldn't
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Vanquis Banking GroupcoreStrategic or Co-development PartnerMoneybarn is a trading style and operating company of Vanquis Banking Group plc, a specialist lending business operating across the UK. Vanquis Banking Group consists of Vanquis Bank Ltd, Cheque Exchange Ltd, Provident Financial Group Corporate Services Ltd, Moneybarn Ltd, Moneybarn No.1 Ltd, and USnoop Ltd.
• Professional Darts CorporationminorGTM or Marketing PartnerMoneybarn has a partnership with the Professional Darts Corporation for sponsorship and marketing purposes.
• StepChange Debt CharityminorOthersMoneybarn refers customers experiencing financial difficulties to StepChange for free, impartial debt advice. StepChange has over 30 years of experience supporting individuals with debt problems.
• PayPlanminorOthersMoneybarn refers customers to PayPlan for free debt help and management plans. PayPlan is the UK's largest provider of free debt solutions since 1992.
• Finance and Leasing Association (FLA)coreOthersMoneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in motor finance for lending and leasing to consumers and businesses.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MotoNovo Finance: UK specialist vehicle finance lender offering point-of-sale finance to consumers including sub-prime segments, directly competing with Moneybarn's core car and van finance products.
• Startline Motor Finance: UK specialist motor finance provider focused on serving dealers and consumers across credit tiers, including non-prime, directly comparable to Moneybarn's lending profile.
• Close Brothers Motor Finance: Division of Close Brothers Group providing motor finance through dealer relationships across credit tiers, including near-prime and sub-prime — overlapping target customers and product set with Moneybarn.
• V12 Vehicle Finance (Secure Trust Bank): UK specialist vehicle finance lender serving non-prime and sub-prime consumers through dealer and broker channels — direct overlap with Moneybarn's bad credit car/van finance proposition.
• First Response Finance: UK sub-prime specialist car finance lender using similar broker/affiliate distribution and credit decisioning approaches, targeting customers Moneybarn also serves.
• Admiral Money: Consumer lending arm of Admiral Group offering car finance alongside personal loans to near-prime and sub-prime UK consumers — overlapping customer base and product structure with Moneybarn.
• Oodle Car Finance: UK consumer car finance platform with a focus on non-prime and sub-prime borrowers, using digital application and AI-driven underwriting — comparable technology and customer proposition to Moneybarn.
• CarFinance247: UK online car finance broker and lender focused on sub-prime and non-prime consumers; directly competes with Moneybarn for bad-credit applicants via digital channels.
• Zopa: UK digital bank that acquired Oodle to enter vehicle finance, offering car loans to near-prime and sub-prime consumers — competitive overlap with Moneybarn's expanding near-prime book.

Broad incumbents

• Black Horse (Lloyds Banking Group): Motor finance arm of Lloyds Banking Group, one of the UK's largest auto finance providers. Operates broadly across credit tiers and competes directly for dealer-originated finance agreements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/moneybarnuk
• YouTubeyoutube.com/@MoneybarnUK
• Facebookfacebook.com/moneybarn
• LinkedInlinkedin.com/company/moneybarn

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about moneybarn PLC