Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
AutoMoney Motor Finance provides straightforward and accessible solutions for financing a used car.
We specialise in used car finance through hire purchase agreements (HP car finance), helping many customers, even those who have been declined car finance in the past. Whether you’re buying a used car for the first time or upgrading your current vehicle, we can help you finance a car anywhere in the UK.
Choosing the right car finance lender can be difficult, so we make things easy to understand. From the start, we explain the full cost of your agreement, including your monthly payments, the interest rate, and your rights under the contract. AutoMoney gives you clear terms, no jargon, no hidden fees, and no last minute surprises.
At AutoMoney, we make sure everything is clear, so you understand your car finance agreement from start to finish. From your finance application to your final payment, we're here to guide and support you every step of the way.
AutoMoney is committed to offering fair and affordable car finance, with a friendly team to help you understand everything you need to know before buying your new car.
We look at your full financial situation, not just your credit score.
Explain all costs, terms, and responsibilities of the agreement clearly.
Provide ongoing support throughout the car finance agreement, not just at the beginning.
AutoMoney has helped many customers who were declined car finance elsewhere, and we may be able to help you too. Our team looks at your full financial situation, not just your credit score, to find a finance option that works for you.
AutoMoney Motor Finance is authorised and regulated by the Financial Conduct Authority (FCA). We are also members of the Finance & Leasing Association, which means we follow strict standards to protect and support our customers. When you choose AutoMoney, you’re choosing a responsible and trusted car finance provider.
We offer car finance from £4,000 to £25,000 through hire purchase agreements. You can spread the cost over fixed monthly payments, with no deposit options available. Choosing a longer term can reduce your monthly repayments. With HP car finance, you own the car at the end of the agreement, with no mileage limits or balloon payments like PCP.
Making a new car finance application with AutoMoney is straightforward. Our online form takes just a few minutes to complete, and most applicants receive an immediate decision. If we need more details, we will contact you. When you apply for car finance, our team works to keep the process simple while ensuring the agreement is suitable for you.
Complete our car finance application form and get a decision in minutes.
If approved, we’ll explain the HP agreement, payments, and interest.
AutoMoney works with a large network of trusted dealerships nationwide.
We’ll ensure you understand everything before signing your car finance agreement.
Once everything is fully approved, you could drive your new car, the same day.
Throughout your agreement, our dedicated team is available to assist you. If you have questions about your car finance agreement or your rights, we will provide clear and accurate information. If you need help choosing a car, we can support you in finding a suitable option through one of our approved dealer partners.
We only offer finance options that are suitable and affordable. Our goal is to provide a solution that is fair, sustainable, and tailored to your circumstances.
Working with AutoMoney means more than just getting accepted for car finance. We are committed to responsible lending and long term customer support.
We explain every part of your hire purchase agreement in simple terms. If anything isn’t clear, we encourage you to ask questions. Our team will always take the time to make sure you understand everything before moving forward.
You’ll never be rushed into making a decision. We give you the time to explore your options, ask any questions, and choose the car finance agreement that’s right for you. Our goal is to make sure you feel confident about your decision.
We look at more than just your credit score. If you’ve had financial difficulties in the past, we will still consider your application. We assess affordability to make sure the agreement is manageable and right for your situation.
At AutoMoney, we’re more than just a car finance lender, we’re here to support you every step of the way. Our core values shape everything we do and help us deliver the best possible service to every customer, even if they have not been approved for finance.
We believe in transparency and honesty, which means no hidden fees or confusing terms. You’ll always know exactly what you’re signing up for.
We build trust by keeping our promises and offering clear, helpful advice at every stage of your agreement. Our team is committed to delivering great service, treating every customer with fairness, humility, and respect.
We believe in equality, and that every customer should be treated the same. Integrity is at the heart of what we do. Our aim is to create a simple, transparent, and supportive finance experience for every customer.
These values are what make AutoMoney different. We don’t just offer finance, we offer support, understanding, and a team that genuinely cares about our customers.
Many customers come to AutoMoney after being declined elsewhere. A credit score alone does not reflect your full financial position. We consider everything within your application. That’s why we assess the full picture before approving or declining a finance application.
We only offer car finance that’s affordable and manageable, based on the information you give us and the results of our checks. Our goal is to help more people finance a car without added financial pressure.
At AutoMoney Motor Finance, we believe everyone should have access to fair, simple, and flexible car finance. Whether you're financing your first car, upgrading your current vehicle, or looking to refinance a PCP balloon payment, we’re here to help.
If you're ready to get started, begin your finance application today. Our team will guide you through the process and help you find your next car.
Even if we can’t approve your application right now, our friendly team may still be able to explore other options that suit your needs.
