Before you continue

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%.

Admin fee

The Admin Fee is a £199 fee that helps cover the costs of setting up your finance agreement. It covers things like preparing your agreement documents, carrying out credit and identity checks, and arranging payment to the broker. This fee is paid at the same time as your first payment, and it isn't refundable. It's separate from your deposit and from any other charges on your agreement.

Option to purchase fee (OPT Fee)

The Optional Purchase Fee is a £199 fee you only pay if you decide to buy the car at the end of your finance agreement. You don't have to buy the car, that's entirely your choice. If you choose to hand the car back instead, you won't pay this fee. If you decide to keep the car, you'll need to pay the £199 Optional Purchase Fee, usually along with your final payment, to transfer legal ownership of the vehicle to you. This fee covers the cost of finalising your agreement and removing our interest in the vehicle. It's separate from your deposit and from any other charges on your agreement.

Please note

The amount shown is an illustration of a typical monthly payment based on the Representative APR. These figures are for guidance only; the actual payments and rate you're offered will depend on your individual circumstances and are not guaranteed. Please see below for details of how your first and final payments may be different.

More about how we calculate this

The example rates reflect what at least 51% of customers with a similar credit profile receive, based on our standard lending criteria. If you choose “Good”, “Average”, or “Below Average” credit, the figures shown use the representative rate for that category. Your selection is for illustration only and doesn't affect how we assess your application.

Rates, fees, and terms may change before an agreement is made. If approved, your personalised quote will confirm your actual rate, payments, and any fees.

Disclosure

Please review our company disclosures 

Legal and Company Details

Company name & registration

AutoMoney Limited is registered in England and Wales (Company No. 11331546). Registered office: 25–27 Surrey Street, Norwich, NR1 3NX. VAT No. 765353512.

Financial Regulation & Authorisation

  • AutoMoney Limited trading as AutoMoney Motor Finance is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 912573).
  • Business and commercial hire purchase agreements are not regulated by the Financial Conduct Authority.

Data Protection

  • We are a data controller, listed with the Information Commissioner’s Office (ICO) under registration number ZA761449.

Credit Warning & Borrowing Disclosures

  • Finance is subject to status and affordability. Over 18s only.
  • Failure to meet repayments may affect your credit score and ability to obtain future credit.
  • Your vehicle may be repossessed if repayments are not maintained.
  • Please ensure you can afford the repayments before entering into a credit agreement.
  • We encourage responsible borrowing and recommend reading the Terms and Conditions carefully.

Commission & Broker Information

  • We are both a lender and a credit broker.
  • Commission disclosure: We pay commission to introducing businesses—either a fixed fee or as a percentage of the amount borrowed. This does not affect the interest rate or fees you pay under your credit agreement.
  • If you are an existing customer who doesn’t meet our criteria, we may refer you to one of our broker partners. If that referral leads to a finance agreement being paid out, we may receive a fixed commission from that partner.

Memberships & Approvals

  • We are proud members of the Finance & Leasing Association (FLA). A copy of the FLA’s Lending Code can be found [here]. (Insert actual hyperlink to the Lending Code)
  • We are also SAF Expert Approved—this mark indicates our commitment to raising standards and providing expert motor finance advice.

Intellectual Property & Logos

  • All vehicle manufacturer names, logos, and trademarks displayed on this site belong to their respective owners. They are used solely to help identify vehicles customers may choose to finance.
  • AutoMoney Limited is independent and is not approved by or affiliated with any vehicle manufacturer.
  • Broker firm logos displayed on our site represent commercial relationships; each broker retains ownership of their respective name and logo.

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