Existing customers
As a customer of AutoMoney Motor Finance, you should expect world class service and care from our team.
Our company is founded on strong values and we will support you every step of the way when you take out car finance with us.
If you are looking for information, or need to call us for help, use the links below to take you straight to the details you need.
Getting in touch
You can reach our friendly Customer Support Team in any way that suits you:
Phone: 0800 197 9090
Lines open 8am-7pm Monday-Friday, and 9am-3pm Saturday.
Calls are free of charge to this number.
Send us an email
Live chat: located on the bottom right of your screen
Post: Customer Support Team, AutoMoney Limited, Unit 3 Brooklands, Moons Moat Drive, Redditch, Worcestershire, B98 9DW
Our customer portal
You can easily view details of your agreement, including transactions and important documents, as well as request a settlement figure and make online payments via our Customer Portal.
Register to use the Customer Portal here. You’ll need an email address, your date of birth and your agreement number.
If you have any questions about our Customer Portal, or your hire purchase agreement, or if you have any difficulty in making your payments at any time, then please do not hesitate to get in touch.
I have forgotten my password
If you are trying to access our Customer Portal and are unable to log in, please click on this forgotten my password link.
Make a payment
The majority of our customers choose to make their payments automatically by direct debit or standing order, however, if you’re unable to do so, or want to make additional payments to your loan, we have several other options outlined below.
Online
You can make payment online 24 hours a day, 7 days a week via our online Customer Portal.
If you haven’t already done so, you can register for an account online. To enable us to correctly link your accounts, please be sure to register with the same details as your loan account.
By phone
Bank transfer
You can make a direct bank transfer using the following details:
Account Name: AutoMoney Limited
Bank: Natwest Bank Plc
Sort Code: 60-15-31
Account No: 77757785
Reference: Please ensure you use your account number as reference so we can allocate the payment correctly. This can be found on your credit agreement or correspondence from ourselves.
Questions about making payments
What happens if my direct debit falls on a weekend or bank holiday?
If your regular payment is due on a weekend or bank holiday, the payment will usually be taken the next working day.
How can I request a settlement figure?
You can request a settlement figure via our Customer Portal or by getting in touch with us. The settlement figure includes an early settlement fee of about two months’ interest and is valid for 28 days.
Can I change my payment date?
Yes, however, restrictions apply to the number of times you can change your payment date during the term of your loan. Changing your payment date may impact the amount that you must pay back in total. Please get in touch if you would like to discuss changing your payment date.
How can I find out how many payments I have left?
You can find most of the details about your loan on our Customer Portal. If you have any further questions, please don’t hesitate to get in touch.
Money worries
A lot of people will be affected by the cost of living crisis, with many having to make difficult choices about how they spend their money.
We’re here to help and support you
If you’re struggling financially, and you need help and support with keeping up with payments on your AutoMoney Motor Finance hire purchase agreement, then it is important that you get in touch with us.
What should I do if I’m worried about making my next payment?
If you are struggling financially, please get in touch with us as soon as you are aware of any issues with making your repayment. We understand that sometimes life does not go to plan. Once we understand your individual circumstances, we will be able to work with you to find a solution.
Any payment arrangement will be affordable and sustainable – we will never expect you to pay more than you can afford.
Please be aware it may take some time to discuss your circumstances on the phone, depending on the help and support you need. We will need to ask questions about your circumstances; however, you can let us know at any time if you do not feel comfortable.
How do late or missed payments affect my credit file?
We understand that these are difficult times and missed or late payments may happen.
If your payment is late, we may report it as a missed payment to the credit reference agencies the day after the missed payment, depending on our reporting schedule, which will appear on your credit file. It will remain on there for up to six years. Missed payments may impact your credit rating, making it more difficult to apply for credit in the future.
Other lenders will be able to see missed or late payments on your credit file and may take this into consideration when deciding whether to offer you credit.
Missed payments may be an indication to a lender that you are in financial difficulty. Lending more money to someone in financial difficulty could be an irresponsible decision for the lender to make.
This may cause a lender to reject your application or, if accepted, you may be charged at higher/more expensive rate of interest, than in if you hadn’t missed a payment. This is because the lender has to put in place a protection against you missing their payments.
Voluntary termination / choosing to end your contract
There are laws in the UK that protect people when they borrow money. If you are facing long-term financial difficulties, it may be in your best interests to use one of these protections, where you ‘voluntarily terminate’ your agreement with us.
This means you can end the agreement and stop making future payments, but you will need to return the car. However, you may still need to pay us if you are in arrears, haven't paid at least half the total amount payable, or haven't taken reasonable care of the car.
The implications of a voluntary termination depend upon factors including the price the vehicle was purchased for, the amount you have paid towards your hire purchase agreement and any deposit you paid.
You can find information on voluntary termination on page 2 of your hire purchase agreement, or get in touch with us.
Support with your finances
We understand dealing with financial concerns can be stressful, but you’re not alone – there are people who can help and things you can do.
Changes of circumstances may be short term or longer term. But don’t worry, we have a range of options available which may be able to help you through difficult times.
Help with all your finances
For free help from people who just care about helping you with your finances, you can contact the government-backed advice service, MoneyHelper:
- Visit the MoneyHelper website here
- Phone 0800 138 777
- WhatsApp message +44 7701 342744
Help with managing your debts
For free help from people who just care about helping you with managing any debts you have, you can contact the debt charity Stepchange:
- Visit the StepChange website here
Help with your mental health
If you need free support from people who just care about helping you with your mental health, we encourage to seek help through one of the following organisations that can help:
Mind
Mind is a mental health charity. It is set up to help people who have strong worries and anxieties. These could be linked to different things that can happen in life that stop someone feeling OK.
- Visit the Mind website here
- Call the Mind support line Monday-Friday 9am-5pm (except bank holidays): 0300 102 1234 (calls charged the same as 01 or 02 numbers. If you have free minutes with your phone contract this number qualifies for them)
Samaritans
The Samaritans is a charity set up to stop people feeling alone, or feeling despair that may lead to suicide.
- Visit the Samaritans website here
- Call the Samaritans for free at any time day or night on 116 123
For details or various services that can offer you further non-financial help and support, please refer to our leaflet here.
Watch out for scams
We are aware of scams involving individuals being offered loans for an advanced upfront fee by organisations posing as a representative of financial services organisations.
At Auto Money Motor Finance, we do not charge up-front fees for our loans and would not approach you directly in this way.
If you think you have been a victim of such a scam, please contact your bank immediately and report it to Action Fraud.
Discretionary commission payments
You may have a question about the commission that was paid when you took out a hire purchase agreement with us.
As you may know, in 2021 the Financial Conduct Authority (FCA) banned so-called “discretionary commission arrangements”. The FCA is now reviewing historical motor finance commission arrangements and sales across a number of firms.
The FCA has also put in place special arrangements for handling complaints about motor finance agreements where there was a discretionary commission arrangement between the lender and the broker. You can find out more on the FCA website.
Your agreement with us is not affected by any of this, as AutoMoney Motor Finance has never entered into discretionary commission arrangements with anyone referring business to us.