AutoMoney Trust

What AutoMoney Trust does

AutoMoney Trust Limited is a UK-based direct lender offering hire purchase (HP) finance for used cars, operating as part of Norfolk Capital Group Limited alongside sibling specialist finance brands Commercial Trust, The Loans Engine, Mercantile Trust, and Norwich Trust. The company lends between £4,000 and £25,000 over terms of 36 to 84 months, with fixed interest rates and no deposit or guarantor requirements, and it explicitly considers applicants with adverse credit histories and CCJs. An online self-serve application with a soft credit search eligibility check returns a decision in minutes, and approved customers can choose a vehicle from a UK network of approved dealers and finance brokers that includes Match Me Car Finance, Choose My Car, DSG Group, Evolution Funding, Zuto, and Car Finance 247.

The core product is a single unified HP agreement: customers make fixed monthly payments, do not take ownership until the final payment plus a £199 Option to Purchase Fee, and benefit from a 14-day statutory cooling-off period and no early repayment fees. A second product, PCP balloon refinancing, allows customers reaching the end of a PCP deal to roll the balloon into a new HP agreement. The company is FCA-authorised under Firm Reference Number 912573 and is a member of the Finance and Leasing Association; no proprietary technology platform or AI/ML capabilities are disclosed in available materials.

Revenue is generated through interest income on the loan book, with representative APRs ranging from 19.8% to 26.1% depending on loan size and term, supplemented by the £199 Option to Purchase Fee at maturity. The business is marketed through organic social channels (TikTok, Instagram, Facebook), an educational content hub, and partner referrals, while the company states it has served more than 10,000 customers across the UK. No revenue, headcount, or funding figures are disclosed in public source material.

Name

AutoMoney Trust

Legal name

AutoMoney Trust Limited

Website

https://automoneytrust.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

AutoMoney Trust is a UK FCA-regulated direct lender offering hire purchase finance for used cars (£4,000–£25,000, 36–84 months) to individual consumers, including those with adverse credit, distributed via online self-serve applications and a network of UK broker and dealer partners.

Ownership category

akta.pro rank

Product category

Consumer Auto Finance

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industry

Auto Refinance (FSAKADAB)

Keywords

• Hire purchase finance
• Used car loans
• Consumer auto lending
• PCP refinancing
• Adverse credit lending

Headquarters

HQ city

Worcester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Hire Purchase Car Finance: AutoMoney Trust generates revenue through hire purchase agreements for used car financing. Customers borrow £4,000 to £25,000 over 36 to 84 months with fixed monthly payments. Revenue comes from interest charges on the financed amount, with representative APRs ranging from 19.8% to 26.1% depending on the loan amount and term. Additional fees include a £199 Option to Purchase Fee at the end of the agreement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

AutoMoney Trust is a direct lender providing hire purchase car finance for used vehicles in the UK, offering loans from £4,000 to £25,000 over 36 to 84 months with fixed monthly payments, no deposit required, and no guarantor needed. The company also offers PCP refinancing to spread existing PCP balloon payments over a new HP agreement, and considers applicants with poor credit histories or CCJs that have been declined by mainstream lenders.

Product overview

AutoMoney Trust is a direct lender offering a single, unified hire purchase finance product for used cars. Its core product is HP car finance ranging from £4,000 to £25,000 over 36–84 months with no deposit and fixed rates, supplemented by a car refinancing service for PCP customers, a free online finance calculator, and a partner/dealer introducer program. All services are delivered directly to consumers and through a network of approved UK dealers and brokers. The company targets customers with poor credit or adverse credit histories and is FCA regulated.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase Car Finance Direct-lender used car hire purchase finance for UK consumers, with amounts from £4,000 to £25,000, terms of 36 to 84 months, fixed monthly payments, no deposit required, no guarantor needed, and adverse credit and CCJs considered. Includes a £199 Option to Purchase Fee at the end of the agreement and a 14-day statutory cooling-off period.
• PCP Refinancing Refinancing service that allows customers at the end of a PCP agreement to spread the PCP balloon payment over a new hire purchase agreement rather than paying it upfront, subject to affordability, vehicle, and status checks.
• Partner Program (Broker and Dealer Network) Introducer partnership program for UK finance brokers and approved dealers, providing access to a lender focused on communication, relationship management, and practical application support. Named partners include Match Me Car Finance, Choose My Car, DSG Group, Evolution Funding, Zuto, and Car Finance 247.

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Norfolk Capital GroupcoreOthersAutoMoney Trust is part of Norfolk Capital Group, a group of specialist finance businesses working together to provide clear, responsible lending solutions across the UK. The group includes Commercial Trust, The Loans Engine, AutoMoney Trust, Mercantile Trust and Norwich Trust.
• Match Me Car FinanceminorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.
• Choose My CarminorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.
• DSG GroupminorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.
• Evolution FundingminorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.
• ZutominorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.
• Car Finance 247minorChannel Partner/ Reseller/ DistributorFinance broker partner introducing customers to AutoMoney Trust car finance products.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Zuto: UK car finance marketplace and introducer platform that connects consumers with lenders for used car purchases. Also a channel partner of AutoMoney Trust, making it highly directly comparable in product, customer profile, and distribution model.
• Car Finance 247: UK car finance broker and lending arm focused on helping consumers—including those with adverse credit—obtain used car finance. Direct channel partner of AutoMoney Trust with overlapping customer base and product set.
• Moneybarn: Established UK specialist lender for used car finance, with a strong focus on near-prime and subprime borrowers via hire purchase and PCP-style products. Closely comparable in target market, product structure, and FCA-regulated status.
• Oodle Car Finance: UK consumer car finance specialist serving prime, near-prime, and subprime borrowers via HP and PCP. Comparable in regulatory status, product range, and focus on accessibility for harder-to-credit consumers.
• Evolution Funding: Large UK car finance broker network introducing customers to multiple lenders. Direct channel partner of AutoMoney Trust with overlapping distribution role and customer profile.
• First Response Finance: UK subprime car finance specialist serving borrowers with poor credit via HP and refinancing. Comparable in targeting adverse-credit customers and offering used car HP finance directly to consumers.
• Startline Motor Finance: UK motor finance provider serving dealers and consumers across prime and near-prime segments with hire purchase and lease products. Comparable in operating as a regulated direct lender to UK consumers for used vehicles.

Broad incumbents

• Black Horse (Lloyds Banking Group): Major UK automotive finance arm of Lloyds Banking Group offering motor finance through dealer and broker channels, including used car HP and PCP. Comparable product set but at much larger scale and with prime-tilted risk appetite.

Emerging players

• Carmoola: UK digital-first consumer car finance provider offering deferred payment and BNPL-style car purchase products. Comparable in targeting modern UK car buyers with a digital journey, but with a younger, less subprime focus.
• Bumper: UK pay-monthly / 'pay later' automotive finance platform partnered with dealers. Comparable in digitising used car purchase finance and competing for the same consumer at the dealer point of sale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/automoneytrust
• Instagraminstagram.com/automoneytrust
• TikToktiktok.com/@automoneytrust
• LinkedInlinkedin.com/company/automoney-trust

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AutoMoney Trust