Incorporated and trading since 2018, AutoMoney Trust is an FCA-regulated finance provider that has helped more than 10,000 customers access hire purchase car finance, providing over £125 million in funding. Rated 4.7 out of 5 on Google, we're trusted by customers across the UK for our straightforward approach to car finance. Unlike a broker, we make our own lending decisions and manage every agreement from application through to final payment, giving customers a straightforward and consistent experience.
Formerly known as AutoMoney Motor Finance until February 2026, we continue to build on our trusted experience under our new name as part of the Norfolk Capital Group. Together, the group supports customers, brokers, businesses and property owners with finance solutions designed around individual needs and circumstances.
AutoMoney Trust is a hire purchase lender, based in Redditch, Worcestershire and operating across the UK. We were established in 2018 with a clear purpose: to make used car finance straightforward, transparent, and accessible to more people, including those the mainstream market often overlooks.
As a direct lender, we are not a car finance broker. When you apply to AutoMoney Trust, you apply directly to us. We assess your application, make our own lending decision, and if approved, your hire purchase agreement is with us for the full term. There is no middleman, no passing your details between companies, and no uncertainty about who you are dealing with.
We are authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 912573). We are also proud members of the Finance and Leasing Association (FLA) and are SAF Expert approved, meaning our team meets the industry standard for specialist automotive finance knowledge.
When you look for car finance, you will come across both brokers and direct lenders. Understanding the difference matters.
A car finance broker acts as an intermediary. They take your application and pass it to a panel of lenders on your behalf, looking for an approval. Brokers can be useful for comparing multiple lenders quickly, but your application may be shared with several companies, and the broker earns a commission from whichever lender approves you.
A direct lender like AutoMoney Trust makes its own credit decisions. When you apply, your application goes to us and only us. We assess it, make a decision, and if approved, your hire purchase agreement is directly with AutoMoney Trust from start to finish. There is no panel, no multiple applications, and no uncertainty about who holds your agreement.
Dealing with a direct lender means you know exactly who you are borrowing from before you apply. Our initial application uses a soft credit search, so applying will not affect your credit score. If we approve your application, the offer comes from us, the terms are set by us, and our team supports you throughout the full agreement.
Hire purchase is one of the most straightforward ways to finance a used car. You agree a loan amount, make fixed monthly payments over your chosen term, and own the car outright at the end once the option to purchase fee is paid.
At AutoMoney Trust, the process from application to driving away typically works like this:
Complete our short application form. It only takes a few minutes. At this stage, we use a soft credit search, which will not affect your credit score.
A member of our team will explain your HP agreement in plain language, including your monthly payment, interest rate, full term length, and any fees. Take as much time as you need before deciding.
AutoMoney Trust works with a network of trusted dealerships across the UK. Once your finance is confirmed, you can choose your vehicle from a wide range of makes and models.
Before signing, we'll make sure you understand your car finance agreement. Read it carefully and ask if anything is unclear. Remember, an HP finance agreement is a legal and financial commitment.
Once your application has been fully approved and everything has been finalised, there may be nothing left to do except collect your new car. You could even drive away the very same day.
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.
From the moment you apply to the day you make your final payment, AutoMoney Trust is committed to making your car finance experience clear, fair, and straightforward.
Our relationship with you does not end when your agreement is signed. If your circumstances change, if you have questions about your account, or if you need help understanding your options, our team is here throughout the full term of your agreement. If you are struggling with payments, please contact us early. The sooner we know, the more we can do.
We do not add fees that were not disclosed at the start of your agreement. The costs shown to you when you are approved are the costs you will pay. Our approach to commission is equally transparent: if a broker or dealer introduced you to us, we will tell you, tell you how much their commission is, and ask for your consent before finalising anything.
Before you sign anything, we will explain every part of your hire purchase agreement in plain language: your monthly payment, your interest rate, the full term length, all fees, and your rights under the agreement. We encourage you to ask questions. Nothing moves forward until you are comfortable with the full picture.
AutoMoney Trust is authorised and regulated by the Financial Conduct Authority (FCA). We are a member of the Finance and Leasing Association (FLA), which requires us to follow strict standards of customer treatment.
We do not make lending decisions based solely on automated scoring systems. Every application is reviewed by a member of our team.
We look at your full financial picture, including your income, outgoings, and employment situation, rather than making a decision based on a credit score alone.
We offer repayment terms from 36 to 84 months, which is a wider range than many lenders provide. You can borrow between £4,000 and £25,000 with no deposit options.
Your initial application uses a soft credit search that does not appear on your credit file and does not affect your credit score.
We explain every part of your hire purchase agreement in plain terms. If anything is unclear, we will take the time to go through it again. You will never be asked to sign something you do not fully understand.
You will not be pushed into making a decision before you are ready. We give you the time to review your offer, ask questions, and make sure the agreement is right for you. Our goal is a decision you are confident in, not just a quick signature.
We look at more than just a credit score. Your income, outgoings, employment, and overall financial situation all inform our decision. If you have had financial difficulties in the past, we will still consider your application fairly and fully.
Many of our customers come to AutoMoney Trust after being declined by other lenders. A credit score is a snapshot of your financial history. It does not tell the full story, and it is not the only factor we consider.
AutoMoney Trust considers applications from customers with poorer credit. We look at your income, your outgoings, your employment situation, and your overall affordability picture before making a decision. Where another lender might decline based on a score alone, we assess the full application.
We only approve finance that is genuinely affordable. Our goal is not simply to find a way to approve you, it is to find a solution that is sustainable for the length of your agreement. We are a responsible lender regulated by the FCA, and our lending decisions reflect that.
If you have been refused car finance elsewhere, it is still worth applying with us. Our initial soft search will not affect your credit score.
The values and behaviours that guide us in all that we do and say:
We expect everyone who works for us to act with unyielding integrity in everything they do. In short, we do what we say. We walk the talk. We do not accept in any circumstances a nod or a wink or turning a blind eye. We know where our moral compass takes us and we follow that route without compromise.
We expect everyone who works for us to tell the truth and act honestly in all their dealings with each other and every client, partner and supplier. In short, we say what we do. Even if we know it will be painful to admit to failings or shortcomings. We always say it as it is.
We treat everyone who works for us as equal irrespective of age, gender, race, sexuality, ability or anything else. That means equality of opportunity, equality of care and equality of voice. Our group is built on a team ethos that recognises the value of the contribution of everyone on the team. The only hierarchy is that of the quality of the idea. The best idea always wins, whoever thinks of it.
We treat our colleagues, clients, partners and suppliers fairly in all our dealings with them. We don’t seek to take unfair advantage, or exploit our position. We want the balance in every relationship to be mutually satisfactory. We want all relationships to be based on mutual benefit and a fair distribution and allocation of the rewards.
We will be open and transparent in all communication, both internally and externally, with all stakeholders, including third parties. As appropriate and fair, we will share good ideas far and wide within the group. Withholding and restricting information is a weakness in management - not a strength.
We carry out our business in a humble manner. We don’t need the recognition of our peers and the market. We will let the quality of what we do, the strength of our values and the feedback from our people and clients speak for us.
We are here to serve our customers to the best of our ability and recognise that, if we add value and provide great service, we will lay the foundations of a successful business. Much is written about customer service. Little is understood. We understand that great service is the root of our model.
We want our people, our clients and our partners and suppliers to trust us. For our people, we want to offer them sustainable careers, knowing that they work for a group that cares and that we will put them first. For our clients, we want them to know that they can trust the advice and products we offer on an unconditional basis. For our partners and suppliers we want them to see us as trusted colleagues who work tirelessly to deliver mutually beneficial success.
Norfolk Capital Group is a group of specialist finance businesses working together to provide clear, responsible lending solutions across the UK. We focus on making finance straightforward, transparent and tailored to individual needs, whether for personal, vehicle or commercial purposes.
Our group includes Commercial Trust, The Loans Engine, AutoMoney Trust, Mercantile Trust and Norwich Trust. Each business offers its own area of expertise, but all share the same commitment to fair, responsible lending and good customer outcomes.
AutoMoney Trust is an FCA regulated hire purchase car finance lender based in Redditch, Worcestershire. Established in 2018, we provide used car finance to customers across the UK, helping over 10,000 of people access affordable for their next vehicle.
As a specialist hire purchase car finance provider, we offer straightforward agreements with fixed monthly payments and a clear path to vehicle ownership once all payments and the option to purchase fee have been completed. We support a wide range of customers, including those with poor credit, limited credit history, or those applying for car finance for the first time, with all applications assessed on their individual circumstances, status, and affordability,
AutoMoney Trust is a direct lender, not a car finance broker. This means your application comes directly to us, we make our own lending decisions, and if your application is approved, your hire purchase agreement remains with AutoMoney Trust for the full term. As an FCA regulated car finance provider, we are committed to responsible lending, transparency, and treating customers fairly throughout the finance journey.
AutoMoney Trust is a direct lender, meaning your car finance application comes directly to us rather than being passed to another finance provider. We assess your application ourselves, make our own credit decisions and manage your agreement directly if your application is approved.
If you are accepted for finance, your hire purchase agreement is with AutoMoney Trust for the full term of the agreement. This means we are the finance provider responsible for your agreement, and you will deal directly with us throughout your finance journey.
Unlike a car finance broker or intermediary, we do not search a panel of lenders on your behalf or arrange finance with another company. Instead, we provide hire purchase car finance directly to customers looking to purchase a vehicle.
Applying for car finance with a direct lender can provide greater clarity, as you know who is making the lending decision and who your finance agreement will be with from the start.
Yes, AutoMoney Trust is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number (FRN) 912537. This means we are authorised to provide regulated car finance products and must follow FCA rules designed to promote responsible lending, fair treatment of customers, and clear communication.
You can verify our FCA authorisation details by checking the FCA financial services register, which provides information about regulated financial firms in the UK.
As an FCA regulated car finance provider, AutoMoney Trust is committed to providing a transparent and straightforward finance experience. We ensure customers receive the information they need to understand their hire purchase agreement, including the cost, terms, and responsibilities involved before entering into a finance agreement.
AutoMoney Trust is also a member of the Finance and Leasing Association (FLA) and is SAF Expert approved, demonstrating our commitment to maintaining high standards within the motor finance industry and supporting customers throughout the car finance process.
AutoMoney Trust is based in Redditch, Worcestershire, and provides hire purchase car finance to customers across the UK. Although our head office is located in Worcestershire, our car finance application process is completed online and over the phone, making it easy to apply from anywhere in the country.
We specialise in used car hire purchase finance, offering fixed monthly payments and flexible agreement terms to eligible customers nationwide. Whether you're buying a vehicle from a dealership, looking to understand your finance options, or ready to apply, our experienced team is on hand to guide you through every stage of the process and answer any questions you may have.
If you need help with your application, an existing car finance agreement, or would like to speak to our team, you can find all our contact details on our Contact us page.
AutoMoney Trust offers hire purchase car finance exclusively. With a hire purchase agreement, you spread the cost of your vehicle through fixed monthly payments over an agreed term of 36 to 84 months. Once you have made all your payments and paid the option to purchase fee, ownership of the car transfers to you.
We specialise in used car hire purchase finance, providing a straightforward finance option with fixed monthly repayments and no optional balloon payment at the end of the agreement. This gives customers greater certainty over the total cost of borrowing and a clear route to owning their vehicle.
AutoMoney Trust does not offer Personal Contract Purchase (PCP), personal loans, leasing, or any other type of car finance product. By focusing exclusively on hire purchase car finance, we provide a simple and transparent solution or customers looking to finance a used car.
Yes, AutoMoney Trust may be able to help if you've been refused car finance elsewhere. We consider applications from customers with lower credit profiles and assess your wider financial circumstances and affordability rather than relying on your credit score alone. Being declined by another lender does not automatically mean you won't be considered for car finance with AutoMoney Trust.
We take into account factors such as your affordability, income, employment situation and overall ability to manage repayments when assessing your application. If you're unsure how lenders assess applications, our guide on credit checks for car finance explains the factors that can affect your eligibility.
Applying for car finance with poor credit does not always mean you will be declined. Our initial application uses a soft credit search, which allows us to understand your circumstances without leaving a hard search on your credit file or affecting your credit score. This gives you the opportunity to explore your options before making a full application.
If you have experienced a car finance refusal or struggled to get approved by other lenders, it may still be worth finding out whether AutoMoney Trust can support you. Every application is reviewed individually, and we aim to provide responsible Hire Purchase car finance solutions based on your personal circumstances.
