AutoMoney Trust is an FCA regulated hire purchase lender based in Redditch, Worcestershire. Established in 2018, we specialise in Hire Purchase (HP) car finance for customers across the UK, including those who have been declined elsewhere or are financing a car for the first time. We are a direct lender, not a broker, which means we make our own lending decisions and manage every agreement from application to final payment. We have financed over £125m, support more than 10,000 customers, and are rated 4.7 out of 5 on Google.
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:
Our short application form takes a few minutes. We use a soft credit search at this stage, so your credit score is not affected.
We explain your monthly payment, interest rate, term length, and all fees before you commit to anything.
AutoMoney Trust works with a large network of trusted dealerships nationwide, once your finance is confirmed, you can select your vehicle.
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.
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, 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 lender based in Redditch, Worcestershire. Established in 2018, we specialise in HP car finance for customers across the UK, including those with poor credit and those financing a car for the first time. We are a direct lender, not a broker.
AutoMoney Trust is a direct lender. When you apply, your application comes directly to us. We make our own credit decision, and if approved, your hire purchase agreement is with AutoMoney Trust for the full term. We do not act as a car finance broker or intermediary.
Yes. AutoMoney Trust is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 912573. You can verify this on the FCA register. We are also a member of the Finance and Leasing Association and SAF Expert approved.
AutoMoney Trust is based in Redditch, Worcestershire. We offer hire purchase car finance to customers throughout the UK, and our application process is online and over the phone, see how to contact us here.
AutoMoney Trust offers hire purchase (HP) car finance exclusively. With HP, you make fixed monthly payments over a term of 36 to 84 months and own the car outright at the end of the agreement once the option to purchase fee is paid. We do not offer PCP, personal loans, or any other finance product.
AutoMoney may be able to help. We consider applications from customers with lower credit profiles . We look at your full financial circumstances rather than relying on a credit score alone. Our initial application uses a soft credit search, so applying will not affect your credit file. If you have been refused car finance elsewhere, it is worth finding out whether we can help.
