AutoMoney Limited, known through its trading name AutoMoney Motor Finance, is a UK-based direct lender specialising in used-car finance. AutoMoney is registered in Norwich and operates across the UK, serving drivers who want fair, straightforward finance options.
Every loan AutoMoney provides is regulated by the Financial Conduct Authority (FCA) — the main UK regulator for consumer credit. They are also members of the Finance & Leasing Association (FLA), which promotes responsible and transparent lending across the industry. This means every agreement is backed by high professional standards and clear customer protection.
AutoMoney is also a member of the Finance & Leasing Association (FLA), the main trade body for the UK motor finance industry. FLA membership reflects a commitment to responsible lending, clear communication, and fair treatment of customers.
AutoMoney specialises in hire purchase (HP) — one of the most popular types of car finance in the UK. With HP, you pay for your car in monthly instalments while the lender owns the vehicle. Once the final payment and any small option-to-purchase fee are made, the car becomes yours. It’s simple, predictable, and helps people budget without surprise costs.
Why We Partner with AutoMoney
At Carplus, we work with lenders who share our aim of making car finance more accessible, fair, and flexible. AutoMoney aligns closely with that goal, particularly through its focus on customers who may not have a perfect credit history but still need a reliable way to finance a vehicle.
Rather than relying on a single factor, applications are assessed using a combination of information, including credit history and affordability checks that consider income and regular outgoings. This balanced approach helps ensure repayments are realistic and manageable, while giving more customers a fair opportunity to access finance.
AutoMoney operates as both a lender and a credit broker, which can help streamline the decision-making process. This structure often allows applications to progress efficiently while still meeting regulatory and affordability requirements.
Regulation and Responsibility
Trust matters in car finance, and that starts with strong regulation. AutoMoney operates under the supervision of the FCA, ensuring every step — from affordability checks to complaint handling — meets official consumer protection rules. Their FLA membership also signals their commitment to ethical lending and fair treatment of customers.
If issues ever arise, the Financial Ombudsman Service (FOS) is there to help. This independent body reviews complaints about lenders and brokers, focusing on fairness, affordability, and transparent commission practices. It gives borrowers reassurance that they have a neutral place to turn if something goes wrong.
AutoMoney’s internal checks, including detailed creditworthiness assessments, make sure customers don’t take on more than they can comfortably repay. When problems are identified, the company applies fair solutions, such as reasonable usage deductions in upheld complaints, keeping everything transparent and fair.
What AutoMoney Offers for Our Clients
For Carplus customers, AutoMoney’s hire purchase agreements offer clarity and stability. Monthly payments are fixed, agreement terms are clearly set out, and key costs are explained upfront, making it easier to plan your budget with confidence. Fees and charges, such as any optional purchase fee, are detailed within the agreement documentation.
Because AutoMoney specialises in used-car finance, they understand the practical needs of drivers — clear contracts, consistent payments, and support throughout the agreement. Their systems are designed to deliver decisions efficiently, without compromising on affordability checks or regulatory standards.
Our partnership is built around a smooth customer journey. Carplus guides you through the process, while AutoMoney provides the finance solution suited to your circumstances. Together, we focus on transparency, fairness, and clear communication from start to finish.
Why AutoMoney Stands Out for Carplus Clients
AutoMoney stands out by combining flexibility, responsibility, and accountability — qualities that matter to us at Carplus. They aim to support customers who may find finance harder to secure, while operating within the rules set by the FCA and the standards promoted by the FLA.
Their approach to clear pricing, commission disclosure where applicable, and affordability assessment reflects a focus on long-term customer outcomes rather than short-term approvals. Acting as both lender and broker also allows options to be matched efficiently to individual needs.
For Carplus clients, this means practical, well-regulated finance solutions with clear terms and proper protections in place. With AutoMoney, customers can move forward knowing their finance agreement is structured, affordable, and supported by recognised UK regulatory standards — helping more people access car ownership responsibly and with confidence.
