Car Finance Made Easy

MotaFinance provides simple car loans with no hassle and fast approval.

Affected by COVID-19?

If you are an existing customer of ours and are experiencing temporary financial difficulties as a result of circumstances relating to COVID-19 please get in touch so we can understand your situation. We will look to offer support where appropriate, the support we offer will depend on your individual circumstances and can include a temporary payment reduction or payment deferral.

In addition to this, we encourage open conversations with our customers and ask if you are experiencing any financial difficualties to get in touch and discuss the situation with us.

Our contact details are as follows;

Tel - 0333 2413145
Email -
SMS - 07447 956220
Post - MotaFinance, Court Lodge Centre, Plaxdale Green Road, Stansted. TN15 7PG

Need Car Finance?

We know that finance can sometimes be confusing. Finding a monthly repayment and a lender to suit you, can be difficult and time consuming. MotaFinance is designed with you in mind, providing simple car loans without the hassle.

Already have a car in mind?

If you've already spotted your perfect car, then the process is even quicker! You've already done the leg work and now we can fast track you through the process. Simply fill in our online application form and we will provide you with an immediate decision...

Car Finance Explained

We are not a third party provider or a finance broker, this means when you take out a loan with us, it is actually with us, MotaFinance, and not another company you have never heard of. We offer car loans through a hire purchase agreement. Hire Purchase is one of the most common types of finance and is really simple — you hire the vehicle and make monthly repayments until you have paid off the loan. Once all the payments have been made, the car is yours...

Hire Purchase is a very popular form of car finance for people with all kinds of credit ratings. Including people who struggle to get other forms of credit such as personal loans, as well as people who do not want to pay cash for a vehicle. It is a convenient way to pay for a vehicle based on budget and credit profile. You agree to affordable monthly payments and avoid the risk of any shortfall at the end. Simples...

It's easy, anyone can do it...

We've made sure that applying for car finance is as simple and straight forward as possible. Completing our online form will only take 1 minute of your time and in most instances will provide you with an immediate lending decision. Unlike most companies, we will not approve your application subject to further checks. If we agree your loan, in most instances you are now approved and do not need to do anything else. Simples...

To get started you will need to confirm the following:

  • You are aged between 21-65 with a full UK driving licence
  • You have been living in the UK for at least the last 3 years
  • You have been in full time employment for over 12 months
  • Your monthly income is at least £1,000 per month (£250 per week) after tax
  • You hold a bank account that allows direct debit
  • You are not in active bankruptcy or debt relief order

Representative Example

Hire Purchase Agreement repayable over 48 months.

Rate of Interest: 15.0% p.a. flat rate(fixed)
Vehicle Purchase Price: £7,500
Deposit: £500
Amount of Credit: £7,000
Admin Fee: £295
Interest Payable: £6,776.92
Option to Purchase Fee: £50.00
47 Monthly Repayments Of: £244.14
Followed By 1 final Repayment Of: £294.14 (includes option to purchase fee)
Total Amount Payable: £12,268.72
Representative APR: 32.1%

Hire Purchase. Terms and conditions apply. You will not own the vehicle until all payments are made. Finance subject to status. Applicants must be aged 21 or over. Finance provided by Advantage Finance Limited.

Benefits of Hire Purchase include:

  • Flexible deposit and repayment period
  • Fixed interest rate and payments throughout the life of the agreement
  • No mileage conditions

Specialists In Bad Credit Car Loans

If you have a credit rating that could be better and are looking for car finance, then we can help. We specialise in helping customers who may have experienced bad credit in the past and who want to obtain a loan for their next car purchase.

We help customers in all sorts of circumstances. We understand that everybody’s credit ratings and situations are different, which is why we base our decisions on your current affordability and not just your credit history.

We want to help you find your perfect car that suits your needs with a loan that is at an affordable monthly cost.

Our goal is to become the largest provider for car finance in the UK, specialising in helping those with bad credit, a market that is often under serviced.  Understanding our customers and providing great service will help us achieve this goal and we pride ourselves on our friendly and helpful approach.