Before you continue

Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.

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.

Why Choose Us?

We make used car finance simple, affordable, and flexible, so you can focus on finding the right car for you and your family. With zero deposit finance options available, you can get the car you want without the extra cost, giving you more freedom to choose a car that suits your budget. Already driving a car you love? We also support customers who want to stay in their current vehicle by helping refinance existing PCP agreements.

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Zero deposit car finance

With AutoMoney Motor Finance you can borrow from £4,000 –£25,000 and spread the cost over fixed monthly payments up to 84 months.

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Apply in minutes

Once approved, you could collect your car the same day from one of our trusted UK dealerships. Approvals are subject to status and affordability.

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Looking to refinance your PCP?

We can refinance your balloon payment so you keep the car you love. Even if you have been declined elsewhere, AutoMoney may be able to hep. Check your eligibility now.

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We Support Over10,000 Customers

Finance your car in five simple steps

Apply for car finance today and you could receive a decision within minutes. Our application process is broken down into five simple steps, so you could be in your new car the very same day.

Step one:
Apply online

Fill out our online application form with some basic information, including your income, employment, and contact information. In many cases, you’ll receive a decision within minutes.

Step two:
Review your offer

Get your finance offer, including monthly payments, the representative APR, and the total amount repayable. We only offer finance options that are suitable and affordable.

Step three:
Choose your car

Our agents can help you find your next car through our trusted dealer network across the UK.

Step four:
Sign your agreement

Please review your agreement carefully and make sure you’ve read and understood the terms and conditions. If you have any questions, our team will be happy to help.

Step five:
Drive Away

Once everything is finalised, you’ll be ready to drive away in your new car.

Apply now

Our trusted partners

AutoMoney works with a wide range of car finance brokers and dealerships across the UK. Since 2019, we've been a trusted finance partner for many businesses nationwide.

You can apply to become a partner today!

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Car Finance Guides

We’ve put everything you need to know about buying a car in one place.

Our car finance guides are designed to help you make the right choice for you, with clear, easy to understand information on finance options, what to look for when buying a used car, and what to expect when applying for car finance for the first time. 

As proud members of the Finance & Leasing Association, we’re committed to responsible lending and putting our customers first. Our experienced team is here to support you at every stage, from your initial application to your final payment, with clear guidance and honest, transparent service throughout.

Check out our latest guide here.

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FAQ's

Here are some of the most common questions we’re asked about car finance. We’ve answered them all in one place to help give you the confidence to make the right decision when buying your next car.

How does the loan term affect my payments?

Longer terms, like 5–7 years, can lower your monthly payments but may increase the total amount of interest paid. Shorter terms mean higher monthly payments but reduce the length of your agreement and the overall interest you’ll pay.

Should I choose a fixed or variable interest rate?

A fixed rate keeps your monthly payments the same, so you’ll always know exactly what you’ll be paying. Variable rates can change during the term, which might save you money—but could also lead to higher payments. AutoMoney Motor Finance only offers fixed interest rates.

Are there fees for paying off my car finance early?

Some agreements include early repayment charges, while others don’t. It depends on your lender and the terms of your agreement. Always check your contract or speak to the lender if you’re thinking about settling early. AutoMoney Motor Finance does not charge any early repayment fees.

What’s the difference between Hire Purchase and PCP car finance?

With a Hire Purchase agreement, you make monthly payments and own the car at the end. PCP (Personal Contract Purchase) typically offers lower monthly payments, but you’ll have a larger final (balloon) payment if you want to keep the car. Otherwise, you can return it or upgrade to a new one.

Can I still get car finance with bad credit?

Yes, it’s possible. Even if you’ve been declined elsewhere, some lenders look at your full financial situation, not just your credit score. We may be able to help you find a finance option that works for you.