Moneyway
Moneyway is a UK vehicle finance trading brand of publicly listed Secure Trust Bank PLC, historically offering motor loans via dealer and broker networks. Following a 2026 divestiture, its active loan book was sold to Alive No.2 Limited, with the brand retained solely for FCA motor finance commission complaint handling.
- Company typePublic
- Founded2000
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Moneyway does
Moneyway is a UK vehicle finance trading brand of Secure Trust Bank PLC, a publicly listed UK retail bank on the London Stock Exchange (ticker: STB). Historically, the brand offered hire purchase and motor loan products to UK consumers seeking to finance vehicle purchases, distributing applications through motor dealers, brokers, and introducers at the point of sale and supporting direct enquiries via telephone, email, and post. Its operating model centred on automated credit decisioning that combined inputs from the three main UK credit reference agencies (Equifax, TransUnion, Experian), Open Banking data, multiple fraud-prevention vendors (CIFAS, Synectics Solutions, LexisNexis, GBG, Iovation), the DVLA for identity and keeper checks, and motor asset registers such as Solera Cap hpi, CDL, and Auto Trader. Payments were processed via Adyen, Mastercard, Barclaycard, Pay360, and WorldPay.
The brand generated revenue through interest and fees on motor finance agreements under a transaction-fee model, with pricing set per individual credit assessment. In 2025–2026, Secure Trust Bank executed a structural exit from Moneyway's active lending business: all active finance agreements were sold to Alive No.2 Limited, with economic ownership transferring on 30 May 2026, and servicing migrated to Antelope Loans. Secure Trust Bank retained the Moneyway brand solely to administer historic motor finance commission complaints under the FCA's industry-wide compensation scheme, with an eight-week response window from 31 May 2026 for complaints outside the FCA scheme.
As a result, Moneyway as a stand-alone entity now functions as a regulated complaint-handling and brand-administration rump, with no active origination, no servicing economics, and headcount consistent with that limited residual role. The underlying lending economics sit with Alive No.2 Limited and Antelope Loans, while the FCA/PRA regulatory perimeter remains with Secure Trust Bank PLC.
Moneyway firmographics
Firmographics- Name
- Moneyway
- Legal name
- Secure Trust Bank PLC
- Website
- https://moneyway.co.uk
- Company type
- Public
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Moneyway is a UK vehicle finance trading brand of publicly listed Secure Trust Bank PLC, historically offering motor loans via dealer and broker networks. Following a 2026 divestiture, its active loan book was sold to Alive No.2 Limited, with the brand retained solely for FCA motor finance commission complaint handling.
- Ownership category
- akta.pro rank
Moneyway industry classification
Industry- Product category
- Consumer Auto Finance
- NAICS
- Sales Financing (52222), Sales Financing (522220)
- SIC
- Finance Lessors (6172)
- akta.pro primary industry
- New & Used Auto Purchase Loans (FSAKADAA)
- akta.pro secondary industry
- Leasing & Lease Buyout Financing (FSAKADAC)
Keywords
Where Moneyway is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Moneyway business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Vehicle/Motor Finance: Moneyway provides vehicle finance agreements, generating revenue through interest charges and fees on motor finance loans. The company also handles motor finance commission complaints under FCA regulations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Vehicle finance agreements with terms and conditions specific to individual applications |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Moneyway product offering
Product offeringCore offering
Moneyway provides vehicle finance agreements (hire purchase-style motor loans) to UK consumers seeking to purchase vehicles. The product is distributed primarily through motor dealers, brokers, and introducers at point of sale. Following a 2026 sale, active finance agreements are owned by Alive No.2 Limited with servicing by Antelope Loans, while Moneyway retains responsibility for handling historic motor finance commission complaints under the FCA's industry-wide compensation scheme.
Product overview
Moneyway is a vehicle finance brand operated by Secure Trust Bank PLC. The primary offering is motor vehicle finance/loan products. Following a recent business transaction, active finance agreements are owned by Alive No.2 Limited and serviced by Antelope Loans, while Moneyway retains responsibility for historic motor finance commission complaints referred through the FCA's industry-wide compensation scheme. Moneyway operates alongside other Secure Trust Bank trading names including OneBill, V12 Retail Finance, AppToPay, and V12 Vehicle Finance.
Differentiator
Problem solved
Functional benefit
Products and services
- Vehicle Finance Agreements Motor vehicle finance/hire purchase agreements for UK consumers purchasing vehicles. Distributed through motor dealers and brokers. From 30 May 2026, active agreements are owned by Alive No.2 Limited with servicing by Antelope Loans.
- Motor Finance Commission Complaint Handling Complaint handling and resolution service for motor finance commission complaints under the FCA's industry-wide compensation scheme. Available to customers who have motor finance commission complaints related to Moneyway agreements.
Companies that use Moneyway
Customer profileSegments1 record
Ideal customer profiles1 record
Moneyway technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability3 records
Feature1 record
Moneyway partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Antelope LoanscoreAntelope Loans handles all servicing and customer account management for active Moneyway finance agreements now owned by Alive No.2 Limited. Contact point for all account enquiries at PO Box 255, Brecon House, Caerphilly, CF83 3GQ.
- EquifaxcoreCredit reference agency used to validate customer contact details and conduct creditworthiness assessments. Also validates customer information for FCA motor finance commission redress scheme.
- TransUnioncoreCredit reference agency used for credit scoring, risk assessment, and ongoing credit monitoring for vehicle finance applications.
- ExperiancoreCredit reference agency used for credit assessment and motor asset registration services. Experian Limited provides vehicle data services.
- CIFAScoreUK Fraud Prevention Service used for detecting and preventing fraud, money laundering, and sanctions violations during account applications and payment processing.
Scale indicators1 record
Recent moves5 records
Expansion highlights2 records
Moneyway competitors and assessment
Company assessmentBroad incumbents
- Black Horse (Lloyds Banking Group): UK motor finance arm of Lloyds Banking Group providing dealer-arranged vehicle finance. Larger scale incumbent with overlapping dealer distribution and consumer auto lending products.
- BMW Financial Services (GB): OEM captive finance provider for BMW vehicles in the UK offering hire purchase, PCP, and leasing. Comparable in product category but with captive manufacturer channel rather than open dealer network.
- Santander Consumer Finance (UK): Major UK motor finance provider through dealer relationships, offering personal contract purchase and hire purchase products. Comparable in scale and intermediary distribution model.
Direct peers
- Alphera Financial Services: UK motor finance provider offering dealer-arranged finance for new and used vehicles including hire purchase and PCP. Comparable in product mix and dealer channel focus.
- MotoNovo Finance: One of the UK's largest specialist motor finance providers offering hire purchase and PCP through dealer networks. Directly comparable to Moneyway in product, customer segment, and intermediary-led distribution model.
- Startline Motor Finance: UK specialist motor finance provider focused on dealer and broker channels, offering hire purchase and similar products to consumers. Direct overlap with Moneyway's intermediary distribution approach.
- CarFinance 247: UK car finance broker connecting consumers with lenders for hire purchase and PCP. Overlaps with Moneyway in the consumer vehicle finance segment, particularly for non-prime borrowers.
- Close Brothers Motor Finance: Specialist UK motor finance provider serving dealers and brokers with hire purchase and leasing products. Closely comparable in dealer-channel go-to-market and target customer base.
- Oodle Car Finance: UK consumer car finance provider operating through a panel of lenders with a digital broker model. Comparable in serving individual consumers purchasing vehicles via finance, though more digitally native.
- V12 Vehicle Finance (Secure Trust Bank): Sibling brand of Moneyway under Secure Trust Bank PLC offering motor finance products via dealer networks. Direct sibling with overlapping product set, regulatory framework, and target customers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Moneyway social profiles
Digital presenceMoneyway compliance and trust
Trust signalCompliance2 records
Moneyway financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneyway leadership team
Management profileNumber of profiles
Moneyway funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneyway M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneyway
What does Moneyway do?
Moneyway provides vehicle finance agreements (hire purchase-style motor loans) to UK consumers seeking to purchase vehicles. The product is distributed primarily through motor dealers, brokers, and introducers at point of sale. Following a 2026 sale, active finance agreements are owned by Alive No.2 Limited with servicing by Antelope Loans, while Moneyway retains responsibility for handling historic motor finance commission complaints under the FCA's industry-wide compensation scheme.
Is Moneyway a public or private company?
Moneyway is a public company. It is classified as corporate owned and is currently operating.
When was Moneyway founded?
Moneyway was founded in 2000. It employs 11 to 50 people.
Where is Moneyway based?
Moneyway is headquartered in London, United Kingdom, in the Europe region.
How does Moneyway make money?
One revenue line is on record: vehicle/Motor Finance.
Who are Moneyway's main competitors?
Broad incumbents on record are Black Horse (Lloyds Banking Group), BMW Financial Services (GB) and Santander Consumer Finance (UK). Direct peers are Alphera Financial Services, MotoNovo Finance, Startline Motor Finance, CarFinance 247, Close Brothers Motor Finance, Oodle Car Finance and V12 Vehicle Finance (Secure Trust Bank).
Does Moneyway have an API?
No public API is recorded for Moneyway.
What industry is Moneyway in?
Moneyway's product category is Consumer Auto Finance. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans, with a secondary code of FSAKADAC, Leasing & Lease Buyout Financing. Its NAICS code is 52222 and its SIC code is 6172.