Why MotaFinance

We provide car loans through a hire purchase agreement and specialise in working with individuals who have a less than perfect credit history.

Keeping it Simple

We believe in keeping things simple and easy to understand so you know exactly what you're getting into and we're proud to be one of the only car loan companies to do so.

Simple, Easy and Quick

We pride ourselves in making the process as quick and easy for you as possible. Simply complete our online application to find out if we can help you. The application should take you no more than a few minutes to complete and in most instances we will provide you with an instant decision. If we can verify all your details this will be all we require from you, making the process as easy and pain free for you as possible...

No Hidden Charges

Unlike other car loan companies who may charge you additional monthly fees for admin, making changes or updating your details, at MotaFinance we don't charge our customers any additional hidden fees. We believe in keeping things simple and easy to understand so you know exactly what you're getting into. We're proud to be one of the only car loan companies to do so.

Looking beyond your credit score

At MotaFinance we don't just judge you on your credit score. Instead we also look at your current situation and specialise in working with those who are looking to repair and rebuild credit.

Why choose a Hire Purchase

Hire Purchase is a popular way to finance a car. It lets you choose the car you want, while spreading the payments to suit your budget. You'll have the reassurance of knowing your regular monthly payments will stay the same. After the last payment, the vehicle's all yours.

Benefits of Hire Purchase include:

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

Customer Driven

Putting our customers first is at the centre of everything we do.


We believe MotaFinance is different from other finance companies due to the customer experience that we deliver. All of our services and products are designed and personalised for our customers, as they are the people who ensure the ongoing success of our business.

Our customer experience is built on consistent and supportive relationships and our customers' best interests are always at the forefront of our mind. We strive to only ever deliver a service that we would wish to receive ourselves.