Buying your next car does not have to be difficult, but choosing the right car can take a bit of thought. Our used car finance npages are here to help you compare popular makes, understand what different models may cost, and find a car that works for your budget. Explore each brand page to learn more about the vehicles our customers commonly finance, including reliability, running costs, ownership considerations and what to expect when buying used.
Choosing the right used car can depend on your budget, lifestyle, driving habits and what you need from the vehicle. Some customers want a reliable small hatchback for everyday driving, while others need a larger family car, a premium saloon, an SUV, or something more economical to run.
Our used car finance brand pages are designed to help you compare popular manufacturers and understand what to look for before applying. Each page gives you more information about the brand, common models, typical ownership considerations and how HP car finance can help spread the cost.
We are an independent hire purchase lender. We are not linked to or approved by any car manufacturer shown on this website. The names and logos belong to the manufacturers and are used only to help identify the vehicles.
Browse our used car finance brand pages below.
We are an independent hire purchase lender. We are not linked to or approved by any car manufacturer shown on this website. The names and logos belong to the manufacturers and are used only to help identify the vehicles.
Used car finance lets you spread the cost of a second-hand vehicle over a fixed term instead of paying the full amount upfront. With AutoMoney Trust, finance is provided through hire purchase. This means you make fixed monthly payments over your agreement term, and once all payments have been made and the option to purchase fee has been paid, ownership of the vehicle transfers to you.
This can make it easier to plan your monthly budget because your repayments are fixed and agreed before you sign. There are no large balloon payments at the end of an HP agreement, unlike some PCP agreements. If you are comparing products, our HP vs PCP guide explains the difference in more detail.
Before applying, you can use our finance calculator to estimate how different borrowing amounts, deposits and repayment terms may affect your monthly payment.
It may be possible to get used car finance with poor credit. AutoMoney Trust considers applications from customers with different credit histories, including those who have been refused car finance elsewhere.
We look at your wider financial circumstances rather than relying on your credit score alone. This includes your income, outgoings, employment situation, affordability and the vehicle you want to finance. If you are worried about your credit history, our guide to applying for car finance with poor credit explains what lenders may look at.
Your initial application uses a soft credit search. This means you can check whether you may be eligible without affecting your credit score.
AutoMoney Trust may be able to offer zero deposit car finance depending on your application, affordability, credit profile and chosen vehicle. This means you may not need to put money down upfront to apply.
Adding a deposit can reduce the amount you need to borrow and may lower your monthly payments. However, if you do not have a deposit available, you can still apply and we will assess your application based on your full circumstances.
Before deciding, use the finance calculator to compare how different deposit amounts and repayment terms could affect the total cost of your finance.
Choosing the right used car is not only about the monthly payment. It is also worth thinking about the full cost of ownership, the vehicle’s condition, insurance, servicing, fuel or charging costs, and whether the car suits your long-term needs.
The monthly payment needs to be affordable for the full term of the agreement. A lower monthly payment may look appealing, but a longer term can increase the total amount payable. Our FAQ on how the loan term affects your payments explains this in more detail.
Used cars can vary widely in fuel economy, insurance group, servicing costs and repair costs. Before choosing a vehicle, think about what it may cost to run each month alongside your finance payment. Our guide to car ownership and servicing costs can help you understand what else to factor in.
Before buying a used car, it is worth checking whether the vehicle has been written off, has outstanding finance, or has any history that may affect its value. Our guides on checking if a car has been written off and buying a car with outstanding finance explain what to look for.
With HP finance, you do not own the car straight away. The vehicle legally belongs to the lender until the agreement is complete and the option to purchase fee has been paid. Our FAQ on why you will not own the car right away explains what this means during the agreement.
Applying for used car finance with AutoMoney Trust is designed to be simple. You can start your car finance application online, and most applicants receive a decision within minutes.
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.
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.
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.
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.
All cars depreciate over time, with most used vehicles losing value steadily across a finance agreement. This matters because by the end of your term, the total amount paid, including interest, may be more than the car's market value. Depreciation also affects negative equity risk: if you want to sell or settle early, the car's value may not cover the outstanding finance balance. Mileage, condition, service history, and demand all influence how quickly a car depreciates. GAP insurance can help cover the gap between a write-off payout and your outstanding finance.
If you fall behind on payments, AutoMoney Trust will contact you to discuss your situation. Continued missed payments can result in default interest, reminder letter fees, and a record on your credit file for up to six years. If arrears remain unresolved, the agreement may be terminated and the vehicle could be repossessed, though under UK law, once you have paid one-third of the total amount payable, we need a court order to take the car back. You may still owe money after repossession if the resale value does not cover the outstanding balance. For support, visit our Existing customers page or contact us early to avoid this.
