If you're a new customer looking for car finance, you can start your application online in just a few minutes. Check your eligibility, submit your details securely and review your finance offer before deciding whether to continue.
If you're an existing customer, simply log in to manage your agreement online. You can check your balance, make a payment, update your details and access important information about your finance agreement whenever you need it.
Everything you need to apply for finance or manage your agreement is available through our secure online portal.
Start here if you are looking to apply for HP car finance with AutoMoney Trust. Learn how the application works, who can apply, what happens after you submit your details, and how our initial soft search works.
Manage your AutoMoney Trust agreement online. Log in to check your balance, make a payment, request a settlement figure, update your details, or get support if your circumstances have changed.
Read clear car finance guides covering HP finance, credit checks, adverse credit profiles, refused finance, zero deposit options, voluntary termination, selling a financed car and more.
Find quick answers to common questions about applying for finance, managing an agreement, credit scores, payments, fees, HP vs PCP, insurance and voluntary termination.
We are a UK hire purchase lender focused on responsible lending and clear, honest communication. Whether you are applying for the first time or already have an agreement with us, we aim to make car finance easier to understand.
AutoMoney Trust is authorised and regulated by the Financial Conduct Authority (FCA). We are a member of the Finance and Leasing Association (FLA), which requires us to follow strict standards of customer treatment.
We do not make lending decisions based solely on automated scoring systems. Every application is reviewed by a member of our team.
We look at your full financial picture, including your income, outgoings, and employment situation, rather than making a decision based on a credit score alone.
We offer repayment terms from 36 to 84 months, which is a wider range than many lenders provide. You can borrow between £4,000 and £25,000 with no deposit options.
Your initial application uses a soft credit search that does not appear on your credit file and does not affect your credit score.
If you are a new customer looking for car finance, you can start your application online in just a few minutes. You can also use the finance calculator first to estimate your monthly payments or browse used car finance by manufacturer.
Use the finance calculator to see how different borrowing amounts, deposits and repayment terms may affect your monthly payments.
Read how to apply for car finance before you start, so you know what happens during the application process.
Learn how HP finance works, including monthly payments, agreement terms and ownership at the end.
Read about credit checks for car finance and how a soft search can check eligibility without affecting your credit score.
Browse used car finance by manufacturer to compare popular makes and find a car that fits your budget.
Read about applying for car finance with adverse credit and how AutoMoney Trust assesses affordability, not just credit score.
If you already have an AutoMoney Trust agreement, go to the existing customers page. From there, you can manage your account, make a payment, request a settlement figure, update your details or find support if you are struggling with repayments.
Existing customers can find help with:
Planning a road trip through Europe? If your car is on HP finance, you'll need your lender's permission before taking it abroad. It's a good idea to apply in advance, so there's plenty of time to arrange the necessary documents and check your insurance and breakdown cover before you travel.
If you’ve taken out car finance, like HP or PCP, you might be wondering whether someone else can drive the car. It’s a common question, especially if you share driving with a partner, family member, or friend. The answer depends on your finance agreement and your insurance.
Having your car stolen is upsetting and even more confusing if you’re still paying it off through car finance. You might wonder who’s responsible, whether you still have to make payments, or what your insurance covers.
Buying a used car on finance is common, but what if the car you're looking at still has finance owing on it? If the previous owner hasn’t cleared their finance, it can create big problems for you as the buyer. This guide explains the risks, how to check for outstanding finance, and what to do if you’ve already bought a car with it.
If your PCP agreement is ending soon, you may be wondering how to pay the final balloon payment. While some drivers choose to pay it in full or return the vehicle, refinancing can offer another way to keep the car by spreading the cost over time. This guide explains how balloon payment refinancing works, what to consider before applying, and the alternatives available.
Our car finance guides are here to help you understand your options. Whether you're new to car finance or just want to learn more, you'll find useful information about how car finance works, what Hire Purchase means, your rights under the agreement and what to think about before making an application.
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, under section 99 of the Consumer Credit Act 1974, you have a legal right to voluntarily terminate your hire purchase agreement once you have paid at least 50% of the total amount payable. If you have paid less, you can still apply, but you would need to cover the difference. You must return the vehicle in reasonable condition and clear any arrears. Voluntary termination may still appear on your credit file. If you are unsure whether it is right for you, speak to our team before proceeding, as other options may be available.
Late or missed AutoMoney Trust car finance payments may be reported to the main UK credit reference agencies and can remain on your credit file for up to six years. This may lower your credit score and make it harder to borrow in the future, with lenders potentially offering higher rates or declining applications. The impact depends on how late the payment is and whether arrears continue. If you are struggling, it is better to contact us early than to miss a payment, as we may be able to help. For more detail on how lenders review applications, see our guide to credit checks for car finance.
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.
AutoMoney Trust offers hire purchase (HP) car finance exclusively. With HP, you make fixed monthly payments over a term of 36 to 84 months and own the car outright at the end of the agreement once the option to purchase fee is paid. We do not offer PCP, personal loans, or any other finance product.
