Our car finance guides are here to help you understand your options before, during and after a finance agreement. Browse practical guides on HP finance, credit checks, poor credit, car ownership, payments and more.

From choosing the right finance option to managing your agreement, our guides are designed to answer common questions and help you make informed decisions every step of the way

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Use the filter below to browse guides by topic. Whether you are applying for car finance, already have an agreement, or just want to understand your options, these guides explain common car finance questions in plain language.

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Car ownership

Finance

Driving Safety

Beginner driver

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Happy Customer On Phone

Credit Checks for Car Finance

Car finance lenders use different types of credit checks to assess your financial situation, creditw...

Car ownership

Buying Car Deal

How does HP Finance work?

Hire Purchase could be a simple and flexible way to spread the cost. Whether you’re buying your firs...

Finance

Poor Credit Score

Applying for Car Finance with Poor Credit

If you’ve got poor credit and need a car, you might worry that finance isn’t an option. The good new...

Finance

Couple Buying Car

Can I get car finance with a CCJ?

If you’ve had a County Court Judgment (CCJ) in the past and are thinking about applying for car fina...

Finance

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Modifying a Car on Finance

Thinking about making changes to your car, but not sure if you can because it's on finance? You’re n...

Finance

Car ownership

Road Trip

Taking a Financed Car Abroad

Planning a road trip through Europe? If your car is on HP car finance, you might be wondering if you...

Finance

Car ownership

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Hire Purchase Car Finance with AutoMoney Trust

Looking to buy a car and want to spread the cost? Hire purchase could be the answer. It’s a straight...

Finance

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Hire Purchase vs Leasing

When you want a car but don’t have the money to buy it outright, two common options are hire purchas...

Finance

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Hire Purchase vs Personal Loans

When you want to own a car but don’t have the money upfront, two common options to consider are hire...

Finance

Traffic Cone

How to check if a car has been written off

When you're buying or financing a used car, it's important to know whether the vehicle has ever been...

Finance

Car ownership

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How to Part-Exchange a Car on Finance

Part-exchange is when you use the value of your current car to help pay for a new one. You trade in ...

Finance

Car ownership

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Zero-Deposit Car Finance Options

If you're thinking about buying a car but haven’t saved up for a deposit, zero deposit car finance c...

Car Park Backs Of Cars

Best Second-Hand Cars to Buy on Finance

Buying a second hand car can be a smart and affordable way to get on the road. Used cars cost less t...

Finance

Car ownership

Driving Safety

Beginner driver

Blue Shirt Man Texting

Voluntary Surrender of Car Finance

If you’re struggling with car finance payments and need to reduce your outgoings, voluntary surrende...

Finance

Car ownership

Car Service Repair

Car Ownership Costs: MOT, Servicing and What to Budget For

If you’ve never owned a car before, it’s easy to focus just on the price of the car itself. But ther...

Finance

Car ownership

Mercedes Blue Car Key

Selling a Financed Car

Selling a car that’s still under finance is possible, but it works differently than selling a car yo...

Finance

Beginner driver

Car ownership

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First time financing a car?

If it’s your first time financing a car, it can feel a bit overwhelming, but it doesn’t need to be. ...

Finance

Beginner driver

Car ownership

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Can someone else drive my financed car?

If you’ve taken out car finance, like HP or PCP, you might be wondering whether someone else can dri...

Finance

Car ownership

Driving Safety

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What to Do If You’ve Been Refused Car Finance

Getting turned down for car finance can feel frustrating, especially if you’re relying on a car for ...

Finance

Blue Car Charging

Electric or Hybrid: Which Should You Buy on Finance?

If you're thinking about switching to a greener car, you’ve probably come across two main options, e...

Finance

Car ownership

Car Garage White

What to Do If Your Financed Car Is Stolen

Having your car stolen is upsetting and even more confusing if you’re still paying it off through ca...

Finance

Car ownership

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Cheapest Cars to Insure for New Drivers

If you're a new driver thinking about getting a car on finance, it’s important to understand how car...

Finance

Car ownership

Beginner driver

Happy Woman On Phone

What Is Car Finance APR?

If you’re looking at car finance, you’ll often see something called APR mentioned, but what does it ...

Finance

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Commission Disclosure in Car Finance

If you’re applying for first time car finance in the UK, you might be told that the lender or broker...

Finance

Beginner driver

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Electric Car Finance

Thinking about making the switch to an electric car but unsure how the finance works? You're not alo...

Finance

Car ownership

Car Watching Sunset

Can I refinance PCP balloon payments?

Refinancing your PCP balloon payment can be a practical way to keep your car without having to pay a...

Finance

Car ownership

Cascading Cars

Buying a car with outstanding finance

Buying a used car on finance is common, but what if the car you're looking at still has finance owin...

Finance

Car ownership

Family With Dog

How to apply for car finance

Applying for car finance doesn’t need to be complicated. Whether you’re buying your first car, looki...

Finance

Front Facing White Mercedes

What Is PCP? How Does Personal Contract Purchase Work?

If you're thinking about buying a car on finance, two of the most common options are Hire Purchase (...

Finance

Car ownership

Car Engine

Problems with a Financed Car

If you’ve bought a car on finance and it starts showing problems, you’re not alone. Whether it’s a m...

Finance

Showroom Person On Phone

Voluntary Termination of Car Finance: What You Need to Know

If you’re struggling to afford your car finance payments, voluntary termination might be the right o...

Finance

Buying Car Deal

Car Finance for New Drivers

Starting your car ownership journey is exciting — but it can feel overwhelming when it’s your first ...

Beginner driver

Finance

Buying Car Deal

HP vs PCP: What’s the Difference and Which One Should You Choose?

When it comes to buying a car on finance, Hire Purchase (HP) and Personal Contract Purchase (PCP) ar...

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