Also known as: Advantage Finance; advantage-finance.co.uk
Advantage Finance is a UK motor finance company specialising in Hire Purchase agreements for used vehicles. It focuses on customers who have difficulty accessing mainstream motor finance, including people with poor or limited credit histories, previous county court judgments, or recent financial difficulties.
Advantage Finance works through a network of car dealerships across the UK. Finance is arranged at the point of sale, with the customer making fixed monthly payments over the term of the agreement and owning the vehicle outright at the end.
Because Advantage Finance lends to higher-risk customers, interest rates are typically significantly higher than mainstream motor finance products. It is important to understand the total amount you will repay, not just the monthly payment, before signing any agreement.
Advantage Finance has been part of the broader motor finance landscape affected by the FCA's review of historical commission arrangements between dealers and lenders. If you have or had an Advantage Finance agreement, it may be worth reading the FCA's published consumer guidance on this issue.
If you have an Advantage Finance agreement and need to contact them, details are available on their website at advantage-finance.co.uk. Advantage Finance Ltd is authorised and regulated by the Financial Conduct Authority.
If you are finding it difficult to keep up with repayments, contact Advantage Finance as early as possible. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are free and can help you understand your options.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Advantage Finance Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Car finance (Hire Purchase); Electric car finance; Van finance; Caravan finance; Motorcycle finance; Near-prime and non-prime motor finance
Trading names and group notes
Subsidiary of S&U PLC (Companies House 00342025), listed on the London Stock Exchange since 1961. S&U also owns Aspen Bridging (property bridging finance). FCA confirmed lifting of collection process restrictions on Advantage Finance (announced via Morningstar, October 2024). Member of the Finance and Leasing Association (FLA). Living Wage Employer accreditation; Investors in People accreditation; Women's Aid NEL partnership noted on website. ICO registered.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.8–4.9
approx. 6,000 (as at mid-2026) reviews
Other review sources
Smart Money People – rated approx. 1.82 stars (16 reviews, car finance category — small sample, skewed negative); reviews.io presence confirmed; Finance and Leasing Association (FLA) member (confirmed on website); FCA FRN 307864 confirmed on company website; Companies House status Active (confirmed); Investors in People accreditation; Living Wage Employer; Women's Aid NEL partnership; LinkedIn: uk.linkedin.com/company/advantage-finance-ltd; Facebook: facebook.com/advantagefinanceltd; Instagram: instagram.com/advantagefinance; TikTok: @advantage.finance; FCA collection process restrictions previously imposed then lifted (Oct 2024); Subject to DCA motor finance redress scheme PS26/3; Customer portal: customer.advantage-finance.co.uk; Partner portal: partner.advantage-finance.co.uk
Overall public sentiment
Trustpilot score is very high (4.8–4.9) based on approximately 6,000 reviews, with customers consistently praising helpful, understanding staff particularly around financial difficulties. Smart Money People score is lower (1.82 stars, 16 reviews) — small sample driven by negative experiences. Company has faced regulatory scrutiny over collection practices (now resolved). DCA claims activity significant.
Prepare a simple monthly budget before speaking to your provider
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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