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Automatic car finance

Find a great deal on an automatic car

  • Representative APR 11.9% (Fixed)

  • Choose from a range of car finance options

  • Apply in minutes

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MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.

Compare car finance deals from across the market

Our partner Motiv works with a wide range of providers, including the big car finance brands, to help you borrow the money you need

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What is automatic car finance?

Car finance for automatic cars works in the same way as for manuals, allowing you to borrow money to fund your next vehicle and pay for it in instalments over a set period. You'll also generally be expected to pay some form of deposit upfront.

The most common types of car finance deals are hire purchase (HP) and personal contract purchase (PCP) agreement. It's up to you to choose the type of car financing suits your circumstances and your budget.

You can use car finance to fund the purchase of a used car or new car and you if you prefer you can also use car finance to lease a car for an agreed amount of time.

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How does car finance work for automatic cars?

Financing a car breaks down into a few simple steps. Here's how it works...

  • Agree on contract length and conditions

    You’ll have to agree on how long you want to pay for the car. You’ll also agree to certain conditions, such as annual mileage.

  • Borrow money

    You’ll borrow money from the lender to cover the cost of the car. You will pay an initial deposit to begin with and then make regular payments.

  • Contract ends

    Once the contract is over and depending on the type of car finance, you own the car, hand it back to the dealership or start a new car finance deal. 

Why compare automatic cars on finance with MoneySuperMarket

We’ve partnered with Motiv to bring you top car finance deals on automatic cars from across the UK market. Here's how easy it is to compare...

  • It’s quick and easy

    Comparing car finance with us is simple and speedy. Just answer a few questions and you can start comparing

  • Range of options

    We have a variety of car finance options available, from Hire Purchase, Personal Contact Purchase to a personal loan

  • It won’t harm your credit score

    Just tells us a bit about your finances and then we can show you car finance deals you’re likely to be approved for

What are the advantages of automatic cars?

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    Ease of use

    Many people find automatic cars easier to drive than manual cars

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    Efficiency

    Automatic cars can be more efficient than manual with gear selection

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    Driving qualification

    It’s possible to pass your driving test solely for an automatic if you don’t enjoy driving manuals

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    Personal preference

    Some people simply prefer driving automatic cars

Is it better to finance a new or used automatic car?

Whether you buy a new or used automatic car is really down to your personal preference, though it is likely to depend on your financial situation, personal circumstances and budget.

Whilst it may be nicer to get a new vehicle, they will be more expensive than a used model.

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Compare automatic car finance with MoneySuperMarket and Motiv

Find the right automatic car finance option for you and see which rates you’ll be guaranteed to get

  • Make your choice

    Decide which car finance option is right for you, from PCP or HP to taking out a personal loan

  • It doesn't take long

    Just tell us a little about you, your finances and what you’re looking for 

  • Compare car finance

    You’ll be able to sort car finance options by overall cost and the likelihood you’ll be accepted

Newer automatic cars can be more fuel efficient than manual cars, mainly due to the gear ratio and selection. However, this will depend on the vehicle and your driving style.

Yes, it is possible to get automatic car finance even if you have bad credit. But you may not qualify for the best rates.

No, it is possible to buy an automatic car with no deposit. This will depend on the lender, the car and your personal circumstances.

This will depend on the type of agreement you take out.

With a PCP deal:

You can make a final payment, known as a balloon payment, to keep the car at the end of the deal. Alternatively, you can start a new PCP contract on a new car or hand the keys back and walk away.

With an HP deal:

At the end of this fixed term you'll own the car outright without the need to make a large final payment (although you may be charged an administrative 'option to purchase' fee).



Lenders don’t tend to differentiate between automatic or manual cars, so you’ll pay the same interest rate regardless of which vehicle you choose.

There aren’t any specific fees for the car being an automatic. However, you should ensure you understand all of the fees & terms of your finance with your lender. These will differ if you take out HP or PCP finance.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor

  • Super save over and over again with Energy Monitor

  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

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