Looking for a trusted HP car finance lender to support your customers? AutoMoney Trust works with finance brokers and car dealerships across the UK, offering flexible and responsible vehicle finance solutions for a wide range of customer circumstances.
Whether you are looking to expand your lender panel, improve customer outcomes, or work with a finance partner that values long-term relationships, AutoMoney Trust is here to support your business every step of the way.
What sets us apart is our hands-on partner support. Our dedicated New Business Team and business develpment managers are here to assist your agents and customers throughout the application journey, from initial enquiry through to payout and ongoing account support.
Partnering with AutoMoney Trust means working with a lender that understands the day-to-day challenges of financing cars. We actively work to make the process clearer, quicker and easier for brokers, dealers and customers, while keeping responsible lending and compliance at the centre of every decision.
Our team also keeps in regular contact with partner businesses, including weekly outreach to stay visible, maintain relationships and make sure brokers and dealers have the support they need.
AutoMoney Trust works with established finance brokers and dealer partners across the UK. These partnerships help us support more customers with clear, responsible HP car finance options, while giving introducers access to a lender focused on communication, relationship management and practical application support.
AutoMoney Trust offers hire purchase car finance designed to support a wide range of customer needs. Our finance product is built around clear terms, fixed repayments and straightforward ownership at the end of the agreement.
We provide hire purchase car finance with fixed-term agreements and clear monthly payments. Customers make payments over the agreed term and, once all payments and the option to purchase fee have been made, ownership of the vehicle transfers to them.
We offer finance from £4,000 to £25,000, helping partners support customers across a broad range of vehicle prices and budgets.
Our longer finance terms give customers more control over their monthly payments. A shorter term can reduce the total amount payable, while a longer term can make monthly payments more manageable. Customers can use our finance calculator to understand how term length may affect repayments.
We may be able to support customers looking for zero deposit car finance, depending on their application, affordability, credit profile and chosen vehicle.
We aim to provide lending decisions quickly, helping brokers and dealers keep the sales process moving. Where an answer is not immediately available, our team will provide a guaranteed callback so your agents are not left waiting without an update.
Where the agreement is approved, documents are complete and all requirements are satisfied, same-day payout may be available.
We consider customers from a range of credit backgrounds, including customers who may have been declined elsewhere. Our approach looks at affordability and the wider financial picture, not just the credit score. Our guide to applying for car finance with poor credit explains this in more detail.
We can consider applications from younger drivers aged 18 to 21, subject to status, affordability and lending criteria. This can help partners support customers who are new to finance or building their credit profile.
We may be able to support customers who are approaching the end of a agreement and want to keep their vehicle by refinancing the balloon payment into a hire purchase agreement. Our guide to refinancing a PCP balloon payment explains how this can work.
Choosing the right finance partner matters. Brokers and dealers need a lender that communicates clearly, responds quickly and understands how to support both the customer and the introducer.
Our business development Managers work closely with partner businesses to understand how they operate, what type of customers they support and where AutoMoney Trust can add the most value. This helps us build stronger working relationships and provide support that fits your business.
We can provide training on how to use our systems, what information is needed, how our process works and what to expect during the application journey. This includes prompt training and practical guidance for agents who are submitting cases.
Not every application is straightforward, so our team helps brokers and dealers understand what may be needed, what vehicle criteria apply, and how to keep customer expectations clear while meeting responsible lending and compliance standards.
We are not looking for one-off transactions. We want to build long-term relationships with brokers and dealers who share our focus on clear communication, responsible lending and customer support.
Becoming an approved partner with AutoMoney Trust involves a structured onboarding process so both sides understand how the relationship will work.
The process starts with an initial conversation with our team. If we cannot answer everything immediately, we will arrange a guaranteed callback and make sure the right person follows up.
We will then ask you to complete a partner questionnaire so we can understand who you are, how your business operates, the type of customers you support, your sales process and your compliance setup.
Our team will review the information provided and complete the required compliance checks. This helps make sure your business meets the standards expected of an AutoMoney Trust introducer.
Once the compliance checks are complete, we will discuss commission, contractual terms and how the working relationship will operate. We are committed to clear and transparent commission disclosure.
After sign-off, we will complete onboarding and provide the information your team needs to start working with us.
We will support your team with system training, prompt guidance, documentation requirements and how to use our process effectively. This helps your agents submit cases clearly and understand what happens at each stage.
Vehicle criteria are an important part of responsible lending and agreement quality. Before finance is approved, the vehicle will need to meet our checks and requirements.
This may include reviewing the vehicle type, age, mileage, value, condition, dealer information and any other criteria needed to make sure the agreement is suitable. If you are unsure whether a vehicle is likely to meet the requirements, our team can help you check before the application progresses.
We also provide support around common vehicle-related questions, including financed vehicle ownership, insurance, modifications and what happens if a vehicle has existing finance. Useful customer-facing resources can be found in our guides.
We are always looking to partner with professional, customer-focused brokers and dealers who align with our values. As proud members of the Finance and Leasing Association, we are committed to high standards and we expect the same from our introducers.
To become an approved partner with AutoMoney Trust, you will need to meet key requirements, including:
If you meet the above criteria and would like to become an approved introducer, please contact us to request an application form at support@automoneytrust.co.uk. Include a brief overview of your business, and one of our business development Managers will be in touch to discuss your application in more detail and guide you through the next steps.
You can also contact us through the website if you would like to speak to the team first.
AutoMoney Trust works with a wide range of car finance brokers and dealerships across the UK. We support businesses that want a responsible hire purchase lender with strong communication, practical support and a clear onboarding process.
Disclaimer: This information is intended for brokers and dealers only and is not an inducement or invitation to customers directly. All financial promotions are subject to compliance with FCA regulations.
Partner support can include relationship management, system training, prompt guidance, application support, document support, complaint management support, unwind support and regular communication from our team.
AutoMoney Trust provides a range of partner support services to help brokers and introducers deliver a smooth and efficient car finance experience for their customers. Our team works closely with partners throughout the relationship, offering practical guidance and ongoing support whenever it is needed.
Partner support can include dedicated relationship management, system training, process and prompt guidance, car finance application support, complaint management support, agreement unwind support, and regular communication from our team. We also provide updates on processes, products, and regulatory requirements where relevant to help partners remain informed.
Our aim is to build long-term partnerships by providing responsive support, clear communication, and straightforward processes that help partners manage applications efficiently and deliver a positive customer experience.
If you're wondering "can first-time drivers get car finance in the UK?", the answer is yes. While approval isn't guaranteed, many first-time drivers are able to access car finance by demonstrating that they can comfortably afford the repayments and meet the lender's requirements. If it's your first time financing a car, choosing the right finance option and understanding what's involved can help make the application process more straightforward.
AutoMoney Trust can consider applications from young drivers aged 18 to 21 and understands that securing car finance can be more challenging if you have limited credit history or are applying for finance for the first time. If you're unsure how your credit profile could affect your application, our guide on credit score explains what lenders may consider.
Every application is assessed individually, taking into account your personal circumstances, income, employment details and ability to manage the monthly repayments. This means our decisions are not based solely on your age or credit history, but on whether the finance agreement is affordable and suitable for your financial situation.
AutoMoney Trust's hire purchase car finance options allow eligible customers to spread the cost of a vehicle through fixed monthly payments, subject to status and approval.
For more information about getting finance as a new driver, including what lenders may consider and tips for preparing your application, read our guide on Car Finance for New Drivers.
Yes, you may still be able to get car finance if you have a poor credit history. AutoMoney Trust considers applications from customers with a wide range of credit profiles, including those with adverse credit, a low credit score or who have previously been refused car finance elsewhere. If you're looking for a secured loan with a poor credit history, having a less-than-perfect credit history does not automatically mean you cannot access car finance. Every application is assessed individually based on your current financial circumstances.
When assessing an application, we consider your overall financial situation rather than relying solely on your credit history. Factors such as affordability, income, employment status and your ability to manage monthly repayments are all taken into account to determine whether Hire Purchase car finance is suitable for you.
If you have experienced car finance refusal or struggled to get approved by other lenders, AutoMoney Trust may still be able to help. As a direct lender, we make responsible lending decisions based on your individual circumstances, rather than your credit score alone. This means customers searching for car finance or a secured loan with bad credit may still have options available, provided the finance is affordable.
Car finance brokers and motor dealerships can apply to become an AutoMoney Trust partner, provided they meet our onboarding, regulatory, and compliance requirements. We work with partners who share our commitment to responsible lending, fair customer outcomes, and high standards of service.
To be considered, businesses must typically hold FCA authorisation, SAF accreditation, ICO registration, have the appropriate policies and procedures in place, and have been actively trading for at least two years. As part of the onboarding process, we also carry out due diligence to ensure prospective partners meet out operational and compliance standards.
Once approved, partners gain access to our hire purchase car finance products, ongoing relationship management, application support, training, and dedicated partner services to help deliver a smooth experience for both businesses and customers.
To apply for car finance with AutoMoney Trust, you'll usually need documents that help verify your identity, confirm your income and affordability, and validate your address. The exact documents we'll ask for will depend on your individual circumstances, but having the relevant information ready before you start your application can help make the process quicker, smoother and reduce the likelihood of delays.
You may need to provide proof of identity, such as a valid UK driving license or passport, along with proof of income such as recent payslips or bank statements. You may be asked for proof of address dated within the last three months, as well as details of the vehicle you are looking to finance if you have already chosen one.
If you are self-employed and applying for car finance, you may need to provide additional information, such as SA302 forms, tax calculations, or business accounts, to help demonstrate your income and affordability.
The documents required can vary depending on your individual circumstances and application. Providing accurate details and having your documents available in advance can help sped up the car finance application process and reduce the need for additional requests.
