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Representative Example: Cash price £11,500. Deposit £0. Total amount of credit £11,500. Borrowing £11,500 over 60 months at a fixed annual interest rate of 12.0%, with an initial payment of £505.50 (including a £199 admin fee), followed by 58 monthly payments of £306.50 and a final payment of £505.50 (including a £199 option to purchase fee).

Total amount repayable £18,788. Representative 23.6% APR.

Admin fee

The Admin Fee is a £199 fee that helps cover the costs of setting up your finance agreement. It covers things like preparing your agreement documents, carrying out credit and identity checks, and arranging payment to the broker. This fee is paid at the same time as your first payment, and it isn't refundable. It's separate from your deposit and from any other charges on your agreement.

Option to purchase fee (OPT Fee)

The Optional Purchase Fee is a £199 fee you only pay if you decide to buy the car at the end of your finance agreement. You don't have to buy the car, that's entirely your choice. If you choose to hand the car back instead, you won't pay this fee. If you decide to keep the car, you'll need to pay the £199 Optional Purchase Fee, usually along with your final payment, to transfer legal ownership of the vehicle to you. This fee covers the cost of finalising your agreement and removing our interest in the vehicle. It's separate from your deposit and from any other charges on your agreement.

Please note

The amount shown is an illustration of a typical monthly payment based on the Representative APR. These figures are for guidance only; the actual payments and rate you're offered will depend on your individual circumstances and are not guaranteed. Please see below for details of how your first and final payments may be different.

More about how we calculate this

The example rates reflect what at least 51% of customers with a similar credit profile receive, based on our standard lending criteria. If you choose “Good”, “Average”, or “Below Average” credit, the figures shown use the representative rate for that category. Your selection is for illustration only and doesn't affect how we assess your application.

Rates, fees, and terms may change before an agreement is made. If approved, your personalised quote will confirm your actual rate, payments, and any fees.

Our Complaints Policy

We’re committed to providing a fair and transparent service. If you’re not happy with something, we want to hear from you. This page explains how to make a complaint, what to expect from us, and how we’ll work to put things right.

How to make a complaint

We aim to provide excellent service, but if something goes wrong, we want to hear from you so we can put things right. You can contact us by phone, email, or post:

Phone:

0800 197 9090 (Option 2)

Calls to this number are free of charge.

Lines are open 8am-5pm Monday - Friday

Email:

complaints@automoneytrust.co.uk

Post:

AutoMoney Trust Limited,

Unit 3 Brooklands,

Redditch,

Worcestershire,

B98 9DW

What happens when you complain

Resolving complaints quickly

We will make every effort to resolve your concerns over the phone.

  • If we can resolve your complaint within three working days of receiving it, we will consider the complaint closed.
  • You will receive written confirmation that your complaint has been resolved.

For more complex complaints

If your complaint requires further investigation:

  1. Acknowledgement: We will send you a written acknowledgment, usually within five working days.
  2. Investigation: A member of our Compliance Department will carry out a full review of your complaint.
  3. Response: You will receive a detailed, written response within eight weeks. Our response will be in clear and straightforward language.

Resolving complaints quickly

We will make every effort to resolve your concerns over the phone.

  • If we can resolve your complaint within three working days of receiving it, we will consider the complaint closed.
  • You will receive written confirmation that your complaint has been resolved.

For more complex complaints

If your complaint requires further investigation:

  1. Acknowledgement: We will send you a written acknowledgment, usually within five working days.
  2. Investigation: A member of our Compliance Department will carry out a full review of your complaint.
  3. Response: You will receive a detailed, written response within eight weeks. Our response will be in clear and straightforward language.

Please review the Important Information About Commission on Car Finance Agreements

What if you’re not satisfied?

If you’re not satisfied with our final response or if we cannot provide one within 8 weeks, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).

The FOS is a free, independent service that helps resolve disputes when we cannot resolve your complaint to your satisfaction.

You can contact the FOS:

  • Address:     Exchange Tower, London, E14 9SR
  • Phone:         0800 023 4567 or 0300 123 9123
  • Email:         complaint.info@financial-ombudsman.org.uk
  • Website:     www.financial-ombudsman.org.uk

Important information

  • If you choose to refer your complaint to the FOS, you will need to do so within six months of the date of our final response (or the extended timelines explained above for non-DCA complaints).
  • The FOS service is available to personal customers and small businesses (including charities and trustees) with an annual turnover of less than £1 million.

If you have any questions about the complaints process or the Financial Ombudsman Service, we are happy to assist.

Complaints Publication Report

Firm name: AutoMoney Trust Limited
Period covered: July 1st 2025 - December 31st 2025
Brands/trading names covered: AutoMoney Trust

Previous reports

1 January – 30 June 2025 - Download Complaints Publication Report

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