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. As part of Norfolk Capital Group, AutoMoney Trust combines the strength and expertise of an established financial services group with a customer-first approach. This enables us to focus on what we do best: helping customers access straightforward HP car finance while providing responsible lending, improving our services, and offering the confidence of working with a trusted lender backed by decades of industry experience.
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, you may still be able to get car finance with poor credit. AutoMoney Trust considers your overall financial circumstances and affordability rather than relying on your credit score alone, and specialises in helping customers who have been declined elsewhere, including those with CCJs, missed payments, a limited credit history or a default on their credit file. Having poor credit does not automatically prevent you from being considered for car finance.
Every application is assessed individually, considering factors such as affordability, income stability, employment and existing financial commitments. While poor credit may mean a higher interest rate or a smaller borrowing amount, it does not automatically prevent you from getting car finance.
Whether you are looking for car finance with bad credit or have struggled to get approval elsewhere, our team can help you explore your available options. You can complete a short online application with a soft credit search, which will not affect your credit score.
The main difference is that with Hire Purchase (HP) you own the vehicle at the end of the agreement, whereas Personal Contract Purchase (PCP) includes an optional final balloon payment if you want to keep the car.
With Hire Purchase, you repay the full value of the vehicle through fixed monthly payments and become the owner once all payments and any option to purchase fee have been paid.
With PCP, monthly payments are usually lower because you are paying towards only part of the vehicle's value. At the end of the agreement, you can pay the balloon payment 9also known as a final payment) to keep the vehicle, return it, or choose another available option.
One of the main differences between HP and PCP finance is how ownership and mileage work. PCP agreement often include annual mileage limits and potential charges if the vehicle exceeds the agreed mileage or is returned with damage outside normal wear and tear. Hire purchase does not usually have mileage restrictions, making it a popular option for drivers who want flexibility and the certainty of owning the vehicle at the end of the agreement.
AutoMoney Trust offers hire purchase car finance only, providing customers buying used cars a straightforward agreement, fixed monthly payments, and the reassurance that they can own their vehicle once the agreement is completed.
Yes, AutoMoney Trust hire purchase agreement includes a £199 admin fee as well as an option to purchase fee of £10, which is paid alongside your final monthly payment if you decide to keep the vehicle at the end of your agreement. This fee allows ownership of the car to transfer to you once all payments have been completed.
All applicable fees are clearly explained in your car finance agreement, so you can understand the costs involved before entering into a hire purchase agreement.
Additional charges may apply if payments are missed, including reminder letter fees or default interest. These charges are designed to cover the costs associated with managing missed payments and are detailed in our arrears fees and default interest schedule.
Unlike some finance providers, AutoMoney Trust does not charge early repayment fees if you choose to settle your agreement ahead of schedule. If you are considering paying off your car finance early, you can contact us to discuss your options and understand any settlement figure that may apply.
Finance broker commission is a payment a broker or dealer may receive from a lender for introducing a customer and arranging a car finance agreement.
If you're introduced to AutoMoney Trust through a broker or dealer, they may receive commission for arranging your finance. This is common practice with the motor finance industry, where brokers help customers find suitable finance options and manage the application process.
UK regulation requires any commission arrangements to be disclosed before you enter into a hire purchase agreement. The information provided should explain whether commission applies and include details of the amount or method used to calculate it within the documents you receive.
AutoMoney Trust uses fixed-rate commission structures. This means the commission paid to a broker does not affect your interest rate or increase the amount they earn based on the rate you are offered. This helps ensure customers receive clear, transparent information about their finance agreement and the costs involved before making a decision.
If you would like to understand how commission may apply to your specific car finance agreement, you can review your pre-contract information or contact AutoMoney Trust directly, and we will be happy to explain the details.
