AutoMoney Trust is part of Norfolk Capital Group, a group of specialist finance businesses providing clear, responsible lending and finance solutions across the UK.
The group brings together companies with experience across vehicle finance, property finance, homeowner lending, commercial lending and specialist mortgage advice. Each business has its own area of expertise, but all share the same focus on straightforward communication, responsible lending and good customer outcomes.
Norfolk Capital Group is made up of specialist finance businesses working across different areas of the UK lending market. Together, the group supports customers, brokers, businesses and property owners with finance solutions designed around individual needs and circumstances.
AutoMoney Trust brings vehicle finance expertise to the group, helping customers access clear and responsible hire purchase car finance across the UK.
AutoMoney Trust provides HP car finance for customers across the UK. We help customers finance used cars through fixed monthly repayments, with applications considered across a wide range of circumstances, including customers with limited credit history.
Commercial Trust is a specialist UK mortgage broker supporting landlords, property investors and business owners. The business helps customers explore finance options including buy-to-let mortgages, commercial mortgages, bridging loans and development finance, with adviser-led support throughout the process.
The Loans Engine is a specialist finance broker helping customers across the UK access finance options for residential and commercial needs. The business supports customers and intermediaries by helping compare suitable lending routes where more specialist finance support may be needed.
Norwich Trust provides unsecured personal loans for UK homeowners. The business offers fixed-rate lending with no upfront fees, helping homeowners access personal borrowing without securing the loan against their property.
Mercantile Trust is a specialist property finance lender offering buy-to-let mortgages and bridging loans. The business supports landlords, property investors and borrowers whose circumstances may need a more flexible lending approach than standard high street criteria.
Central Trust is a UK secured lending specialist offering homeowner loans and second charge mortgage solutions. The business supports customers who want to borrow against their property for purposes such as home improvements, debt consolidation or other major expenses, subject to status and affordability.
Norfolk Capital Group is the wider financial services group behind the businesses listed above. The group has traded since 1988 and invests in companies operating across specialist finance markets, providing lending, broking and financial solutions for consumers and SMEs.
Each Norfolk Capital Group business operates in its own specialist area, but the group shares a common approach to finance: clear communication, responsible lending and customer-focused outcomes.
For AutoMoney Trust customers, this means working with a lender backed by a wider group with long-standing experience in financial services, while still receiving support from a dedicated vehicle finance team.
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.
AutoMoney Trust remains focused on providing responsible used car finance through hire purchase agreements. Being part of Norfolk Capital Group gives us a wider financial services background while allowing us to stay focused on what we do best: helping customers access straightforward HP car finance.
If you are looking to finance your next car, you can start with our new customers page, use the finance calculator to estimate monthly payments, or read our car finance guides to understand your options before applying.
Yes, car finance may still be available with poor credit, although approval depends on your wider financial circumstances rather than your credit score alone. AutoMoney Trust specialises in helping customers who have been declined elsewhere, including those with CCJs, defaults, or limited credit history. We assess affordability, income stability, and current commitments alongside your credit file. Poor credit may mean a higher interest rate or a smaller borrowing amount, but it does not automatically rule you out. You can explore finance options by completing a short online application, with a soft search that won't affect your credit score.
With Hire Purchase, you pay the full vehicle value across fixed monthly payments, then own the car outright after a small Option to Purchase Fee. With PCP, monthly payments are typically lower because you only pay off part of the car's value, with a large optional balloon payment at the end if you want to keep it. PCP often has mileage limits and condition charges; HP does not. AutoMoney Trust offers Hire Purchase only, as it provides predictable costs and guaranteed ownership for customers buying used cars.
AutoMoney Trust hire purchase agreements include one standard fee: paid alongside your first monthly payment an Option to Purchase Fee of £199, only payable at the end of the agreement if you decide to keep the car. Both fees are detailed in your agreement. Additional charges, such as reminder letter fees or default interest, may apply if payments are missed, full details are listed in our arrears fees and default interest schedule. AutoMoney Trust does not charge early repayment fees if you choose to settle your agreement ahead of schedule.
When you are introduced to AutoMoney Trust through a broker or dealer, the broker may receive a commission for arranging your finance. UK regulation requires that this is disclosed before you sign your agreement, and the amount or method of calculation should appear in the documents you receive. AutoMoney Trust uses fixed-rate commission structures that do not increase your interest rate based on the broker's earnings. If you would like to understand how commission may apply to your specific hire purchase agreement, check the pre-contract information or contact us directly.
