Get a clear answer on car finance, quickly and without pressure. Apply for car finance online with AutoMoney Trust and we will give you a decision in minutes, based on your individual circumstances rather than your credit score alone. Our initial check is a soft search, so seeing what you could borrow will not affect your credit file. Once you are happy with your options, a member of our team will call to talk through your application and confirm next steps.
We are a UK lender authorised and regulated by the Financial Conduct Authority (FRN 912573), a proud member of the Finance and Leasing Association, and SAF Expert approved, so you can be confident your application is in safe hands.
Applying takes only a few minutes and the initial soft search will not affect your credit score. Get a decision in minutes and a real person to talk it through with afterwards.
Prefer to estimate your monthly payments first? Try our car finance calculator.
Applying with AutoMoney Trust is straightforward and designed to fit around your day. Here is what happens from start to finish.
Complete our short online application form. We run a soft credit search to assess eligibility, which is not visible to other lenders and does not affect your credit score. You can read more about soft and hard searches in our credit checks guide.
Once your details are in, we review your application against our standard lending criteria and come back to you quickly.
If you are happy to proceed, a member of our team will call to talk through your options, answer questions, and confirm the figures.
You can use our car finance calculator to size up monthly payments, or browse our used car finance options by manufacturer.
Once everything is agreed, we complete a full (hard) credit check, finalise your paperwork, and arrange payment so you can drive away.
For a fuller walkthrough of the process from start to finish, see our guide on how to apply for car finance.
To complete your car finance application quickly, please have the following to hand:
We will let you know if anything else is needed for your specific application.
To apply for car finance with AutoMoney Trust you must be:
We consider applications across a wide range of credit profiles. If you have had financial difficulties in the past, including a CCJ or poor credit history, it does not automatically mean we cannot help. Every application is assessed on its individual circumstances and affordability, not just a credit score. Finance is subject to status and affordability.
If you are looking to apply with no deposit, that is something we can consider. Our guide on zero deposit car finance options explains how it works.
Working with AutoMoney Trust means more than just being accepted for car finance. We are committed to responsible lending and long term customer support.
We explain every part of your hire purchase agreement in plain terms. If anything is not clear, we encourage you to ask questions. Our team will always take the time to make sure you understand everything before moving forward.
You will never be rushed into making a decision. We give you the time to explore your options, ask questions, and choose the car finance agreement that is right for you. Our goal is for you to feel confident about your decision.
We look at more than just your credit score. If you have had financial difficulties in the past, we will still consider your application. We assess affordability to make sure the agreement is manageable and right for your situation.
You only pay this fee if you decide to keep the car at the end of your agreement. Choosing to hand the car back means you will not pay it. If you keep the car, the £199 transfers legal ownership of the vehicle to you and is usually paid alongside your final payment.
Beyond these, we do not charge hidden fees. If you would like more detail, see our FAQ on our finance fees.
For an AutoMoney Trust car finance application, you may be asked to provide proof of identity such as a valid UK driving licence or passport, proof of income such as recent payslips or bank statements, proof of address dated within the last three months, and details of the vehicle if you have already chosen one. Self-employed applicants may need to provide additional documentation such as SA302 forms or business accounts. Having these documents ready before applying helps speed up the decision and reduces back-and-forth requests.
Yes, AutoMoney Trust accepts applications from customers with a lower credit score, as we look at your wider financial situation rather than relying on a single number. Affordability, income stability, current commitments, and recent credit conduct are all considered. A lower score may affect the rate you are offered or the amount you can borrow, but it does not automatically rule out approval. Applications remain subject to status and affordability checks. If you are ready to see your options, you can start an application online and receive a decision in minutes.
Car finance can affect your credit score in both directions. Consistent, on-time payments build a positive credit history and may improve your score over the life of the agreement, demonstrating to future lenders that you can manage credit responsibly. Missed or late payments have the opposite effect, they are reported to credit reference agencies and can lower your score, making future borrowing harder or more expensive. Applying for finance also creates a hard credit search, which may cause a small short-term dip. Settling your agreement in full further strengthens your credit profile. For more detail, read our guide to Credit Checks for Car Finance.
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.
