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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.

Our Privacy Policy

This page explains, in simple terms, how AutoMoney Trust Limited uses your personal information when you apply for, or enter into, a hire purchase agreement with us, and when we provide related services.

This page is a summary only. Our full Privacy Notice sets out detailed information about how and why we use your data, who we share it with, and your rights.

How we get your information

We collect personal information in a number of ways, including:

  • information you give to us directly when you apply for finance or contact us;
  • information we receive from brokers, lenders, and other third parties involved in providing your finance;
  • information from credit reference agencies and fraud prevention agencies;
  • information generated during the course of our relationship with you, such as payment history or communications; and
  • limited information from publicly available sources, where permitted by law.

For more details about where we get your information from, please see Section 3 (How we obtain information) in our Full Privacy Notice (PDF).

What we use your information for

We use your personal information to:

  • assess and process applications for finance;
  • provide, manage, and administer your agreement;
  • communicate with you about your account;
  • assess affordability, creditworthiness, and suitability of lending;
  • prevent fraud, money laundering, and other financial crime;
  • meet our legal and regulatory obligations; and
  • improve our services, systems, and customer experience.

In some cases, we use automated systems to help make decisions, such as credit scoring. Where this happens, you have rights, including the right to request human review.

For more details about the types of information we use and the purposes for processing it, please see Section 2 (The information we process) and Schedule A (Purposes of Processing) in our Full Privacy Notice (PDF).

Further information about automated decision-making can be found in Section 15 (Automated processing) of our Full Privacy Notice (PDF).

Sharing your information

We only share your personal information where it is lawful and necessary to do so. This may include sharing with:

  • credit reference agencies and fraud prevention agencies;
  • brokers, lenders, and funders involved in providing or administering your finance;
  • service providers who act on our behalf (such as IT, communications, customer support, or re-engagement providers);
  • other companies within our group; and
  • regulators, law enforcement agencies, courts, or public authorities where required by law.

We do not sell your personal information.

For more details about who we share your information with and why, please see Section 7 (Sharing with third parties) and Section 6 (How we use and share your information with other group companies) in our Full Privacy Notice (PDF).

Automated decision-making and artificial intelligence

We sometimes use automated systems and artificial intelligence to help us operate efficiently and make consistent decisions. This includes activities such as credit scoring, fraud prevention checks, quality assurance, and customer communications.

We do not use automated systems to make decisions that have legal or similarly significant effects on you unless this is permitted by law and explained in our Privacy Notice. Where automated decision-making is used, you have the right to request human review.

For more information about automated decision-making and our use of artificial intelligence, please see Section 15 (Automated processing) and Section 16 (Use of artificial intelligence and automated tools) in our Full Privacy Notice (PDF).

Do we transfer your information outside the UK?

Some of the organisations we work with may process your personal information outside the UK. Where this happens, we make sure appropriate safeguards are in place to protect your data and ensure it is handled in line with UK data protection law.

For more information about international transfers and the safeguards we use, please see Section 8 (Transferring information overseas) in our Full Privacy Notice (PDF).

Your rights

You have rights under data protection law in relation to your personal information. These include the right to:

  • access the information we hold about you;
  • correct inaccurate or incomplete information;
  • request deletion of your information in certain circumstances;
  • restrict or object to how we use your information;
  • withdraw consent where applicable; and
  • request a copy of your data in a portable format.

You also have the right to complain to the Information Commissioner’s Office if you are unhappy with how we handle your data.

For full details of your rights and how to exercise them, please see Section 4 (Your rights) and Table A in our Full Privacy Notice (PDF).

How long do we keep your information?

We keep your personal information only for as long as necessary.

In most cases, this means for the duration of your relationship with us and for up to six years afterwards, in line with legal and regulatory requirements. Some information may be kept for longer where required by law, for fraud prevention, or to resolve disputes.

When information is no longer needed, it is securely deleted or anonymised.

For more information about how long we keep your data, please see Section 13 (How long we keep your information) in our Full Privacy Notice (PDF).

Keeping your information safe

We take the security of your personal information seriously and use appropriate technical and organisational measures to protect it against unauthorised access, loss, or misuse.

For more information about how we protect your data, please see Section 14 (Security) in our Full Privacy Notice (PDF).

Download our full Privacy Notice

Download our Full Privacy Notice (PDF).

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