Apply online

1. Your representative quote

Sale Price

£

This is a required field
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For car finance, the amount selected must be between £4,000 and £25,000. For van finance, the amount selected must be between £5,000 and £20,000.

Term of loan

months

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The term of the agreement is the length of time that you wish to repay the finance over. Our minimum term is 24 months and the maximum is 60 months. By increasing the term, you can lower the monthly repayments.

Deposit

£

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Depending on the vehicle that you are looking to finance, you may require a deposit. Increasing your deposit will decrease your monthly repayment.

Monthly payment: £--
Deposit: £--
Loan Amount: £--
Calculated APR:

Tip: By adding a deposit, often it reduces monthly payments.

Representative APR 33.0%

Next: About you

2. About you

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You will need to be between the ages of 21 and 65.

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You will need to be between the ages of 21 and 65.

Next: Your Address

3. Your Address

4. Employment

5. Joint Applicant

6. Confirmation

3. Your Address

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If you have lived at your current address for less than 3 years, please enter any other addresses where you have lived in that time.

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If you have lived at your current address for less than 3 years, please enter any other addresses where you have lived in that time.

Next: Employment

4. Employment

5. Joint Applicant

6. Confirmation

4. Employment

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We can only provide finance if your net monthly income is over £1,000 per month.

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We can only provide finance if your net monthly income is over £1,000 per month.

Next: Joint Applicant

5. Joint Applicant

6. Confirmation

5. Joint Applicant

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You can add a joint applicant to your application if they live at the same address as you and are your spouse, partner or parent.

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You can add a joint applicant to your application if they live at the same address as you and are your spouse, partner or parent.

Next: Confirmation

6. Confirmation

6. Confirmation

Information Notice / Use of Your Data

What we will do when you apply
  • Thank you for your application. A member of our team will be in touch shortly to authorise a credit check and discuss the next stage of your application.
  • We will search your record at credit reference and fraud prevention agencies and that of your 'financial associate' if you have one, i.e. a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be your spouse or partner (not a business partner). We may also, in certain limited circumstances, check the record, including credit details, of other members of your family and, if you are a director or partner in a small business, we may also check on your business or seek information from your employer.
  • If you tell us that you have a financial associate, we will search link and record information about you both at credit reference and fraud prevention agencies. You must be sure you have your financial associate's agreement to disclose their information.
  • If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.
  • We will use a scoring or other automated decision-making system to assess your application and verify your identity.
What we will do during your agreement with us
  • We will keep a record of personal information about you, including where relevant, information about your health or mental capacity. This information will be held so that we can comply with our obligations to you. You have a right to receive a copy of the information we hold about you if you apply to us in writing and upon payment of a fee.
  • We will add to your record with the credit reference agencies details of your Agreement with us, the payments you make under it, any default or failure to keep its terms and any change of name or address.
  • Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default, except where we legitimately believe a longer period is necessary.
  • We may whilst you remain a debtor of ours or if we have reasonable grounds to believe that our asset is at risk conduct credit reference agency, motor insurance database and fraud prevention agency searches in order to confirm or establish your contact details, insurance cover and to assess or manage our risk.
  • We may pass your personal information to local authorities, councils, or other similar local government agencies in pursuing their or our legitimate interests.
  • The personal information we hold about you will be disclosed to our funders, and may be disclosed by them to their funders and in each case to their professional advisors. It may also be used for statistical analysis, testing, marketing and training purposes, both internally and externally.
What the credit reference agencies will do
  • Whether or not this application proceeds, the credit reference agencies will place a record of our search on your credit file. This record (but not our name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
  • Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.
  • The agencies may supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate(s) name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register entries.
How we and others use your information
  • We may request that information held by credit reference and fraud prevention agencies, other industry participants and the Motor Insurance Database be disclosed to us and other organisations to, for example:
    • prevent fraud and money laundering, for example by checking details on applications for credit and credit-related or other facilities, proposals and claims for all types of insurance and job applications and employee records;
    • recover debts that you owe and trace your and the goods whereabouts;
    • manage credit accounts and other facilities;
    • verify your identity;
    • make decisions on credit, insurance and other facilities about you, your financial associate(s), members of your household or your business;
    • carry out statistical analysis to help with decisions about credit and account management; and
    • assess that the vehicle you have agreed to purchase from us pursuant to the terms of the agreement is fully insured under a comprehensive insurance policy.
  • We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
  • We have the right to share your information with local authorities, councils, government agencies in the event that a formal request is received requiring disclosure for the approved agencies purpose.
  • The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
  • Information held and obtained by us in relation to you may be passed to our agents for the purposes of taking enforcement action against you and/or a third party pursuant to our rights under the Agreement.
  • We may also pass your details and information obtained on you in the event that we transfer/assign our rights and duties in this Agreement to the transferee and/or its professional advisors, and may do so in advance of any transfer to assist in preparation for a transfer.
  • We will share your information with your bank and other agencies to the extent necessary, and in order to, perform checks for the prevention of fraud, to verify your banking details and to validate your identification.
  • The Provident Group companies may share your information between themselves for the following administrative activities;
    a) Managing your relationship with us and notifying you of any changes to those products
    b) Responding to your queries and complaints
    c) Administering offers, competitions and promotions
    d) Undertaking affordability reviews
    e) Updating, consolidating and improving the accuracy of our records
  • In addition, The Provident Group companies may share your information between themselves for the following data usage:
    f) Transactional analysis
    g) Arrears and debt recovery and debt sale activities
    h) Crime detection, prevention and prosecution
    i) To evaluate the effectiveness of marketing, and for market research and training
    j) To support customer modelling, statistical and trend analysis, with the aim of developing and improving products and services
    k)To enable assessment of lending risks
    l) For direct marketing activities (see below)
    By sharing this information it enables our companies to better understand your needs and run your account(s) in the efficient way you expect.
  • We and other members of the Provident Financial Group may also contact you by post, email, telephone or mobile text and/or messaging service (SMS) about products or services available through Moneybarn and the Provident Financial Group. You have a legal right to prevent your information being used for direct marketing purposes.  If you do not want your information to be used for these marketing purposes, you can write to Moneybarn, The New Barn, Bedford Road, Petersfield GU32 3LJ or via email at mail@moneybarn.com, via fax on 0330 555 0375 or by calling us on 0330 555 1230.

Financial Associations

Information held about You and Your account by the credit reference agencies may already be linked or “associated” to records relating to Your partner or anyone that You may be financially “associated” with. Your ability to obtain credit will be influenced by the records held by the credit reference agency on You or any person associated with You in this way.

Joint Application Information

Another person’s records will be "associated" with Yours by Us when:

  • You make a joint application.
  • You advise Us of a financial association with another person.
  • If the credit reference agencies have existing linked or associated records.

This "association" will link Your records at the credit reference agencies and will be taken into account in all future applications by either or both of You. This shall continue until one of You applies to the credit reference agencies and is successful in filing a "disassociation".

You MUST therefore ensure when making a joint application or advising Us of some other financial association that You are entitled to:

  • Disclose information about Your joint applicant and anyone referred to by You.
  • Authorise Us to search, link or record information at (a) credit reference agency/ies about You and any one referred to by You.

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© Copyright 2016 Moneybarn Limited
© Copyright 2016 Moneybarn Limited