TMO Finance

At TMO Finance , we’ve got you covered. We have finance options available for people with varying circumstances. We, believe that you shouldn’t have to pinch your pockets to be able to purchase the perfect vehicle. Instead, with help from The Motoring Organisation to find a loan, you can pay in affordable monthly instalments to better suit your needs and budget.

To help you make a purchase from your chosen vehicle retailer, we have partnered with Peeled Financial Services Limited (“Peeled”), a credit broker that is authorised by the Financial Conduct Authority to offer you a range of highly flexible finance options. Peeled is a personal loan comparison service that searches to find you a Personal Loan option that’s right for you.


Find the Perfect Car

With our nationwide network of new and used Car Dealerships, you’re never far away from finding that perfect vehicle


Search for a Loan

With no obligation, just click ‘Apply now’ and we’ll get to work finding you the best deal from our wide panel of lenders


We’ll take care of the rest

We’ll guide you through the process. The money can be with you in 24-48 hours, leaving you to get back to buying your new vehicle

The Motoring Organisation Limited is registered in England. Company Registration Number: 05304949. Our registered office is Parkway Works, Kettlebridge Road, Sheffield, South Yorkshire, S9 3BL.

The Motoring Organisation Limited is an Introducer Appointed Representative (‘IAR’) of Peeled Financial Services Limited. Peeled Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 939491).  Peeled Financial Services Limited is a Credit Broker and not a Lender. You can check this on the FCA’s website


Applying for a loan...

To apply for a loan, you must be a UK resident, be over the age of 21, be in either part- or full-time employment, and be in receipt of a regular income. You’ll also need to provide details of your UK bank, current account.

It only takes a few minutes to apply, and you’ll get an instant decision.

To apply you will be asked to enter the amount you wish to borrow, your preferred term and some personal & employment details.

Once your application is reviewed by the lender(s), if you are eligible for a loan, you will receive a loan offer showing how much you will pay each month and the annual percentage rate (“APR”).  If you would like to go ahead with the loan, you can e-sign a loan agreement, and the money will be transferred into your current account- typically 24 hours after you sign.

Yes, some lenders offer loans to people who are self-employed, provided you meet their criteria, including credit and affordability requirements.

Personal loans are useful if you are making a substantial purchase and you’d like to spread the cost.

Personal loans can be used for almost any purpose, such as a car purchase, a wedding, education, or home improvements. However, personal loans we arrange are not available for debt consolidation.

The amount you can borrow depends on your personal circumstances, including your credit history. Loan amounts range from £1500 to £35,000.

The loan term can vary depending on the purpose of your loan and the lender.  Typically, the terms will be between 1 and 7 years. Taking out a loan for a longer period will reduce your monthly payments, however the longer the term the more you will pay in interest.

No, you will not be charged a fee for using our service.

Once your application is reviewed by the lender, you will receive a loan offer showing how much you will pay each month, the total amount repayable and the Annual Percentage Rate (“APR”).

If we do not meet your expectations in any way, we’d like the opportunity to put things right.

In the first instance, please contact our Customer Services Team via email at or by phone at 03338 802 918.

If having received a response from our Customer Services Team you are unhappy with the outcome, please contact our Complaints Team via email at

Getting a credit decision...

If your application is approved by the lender, you will receive a loan offer, showing how much you will pay each month and the APR. In some cases, you may be asked to provide proof of identity, address, or income. Before you receive the funds, you will need to e-sign a loan agreement.

Lenders will carry out a credit history check with Credit Reference Agencies as part of their decision process. For further details on Credit Reference Agencies please visit

When you apply, a soft search is completed which doesn’t impact your credit score. If you proceed with a loan offer, the lender will complete a hard credit search and this will show on your credit record.

APR stands for Annual Percentage Rate. It’s a simple way to show the cost of borrowing over a year. This is the total charge, including interest and any applicable fees, expressed as a percentage.

From time to time, financial service providers may need to verify your identity, address or income before entering into a loan agreement with you. As an example, by providing your photographic ID, lenders can confirm your identity which is a requirement under anti-money laundering legislation.

You may need to upload a utility bill or an address document in your name dated within the last 3 months. This allows lenders to verify your address. You may be asked to provide your recent current account statements or a payslip to verify your income.

Open banking enables the lender to access your bank account data. This allows them to confirm your income details, and affordability for the monthly repayments on your loan.  It’s worth noting that your account information can only be accessed with your explicit consent.

Once you have been approved for a loan and you have e-signed your loan agreement, your lender will transfer the loan amount to your current account. In most cases, funds are transferred within 24 hours of signing.

There may be several reasons why you have been declined. Credit decisions are based on personal circumstances and your credit history. The three most common reasons for a declined decision are:

  • Adverse information from Credit Reference Agencies – this information is used by lenders to determine whether you will be accepted for a loan.
  • A low credit score – lenders may use your personal details to calculate a credit score for you and this can determine whether you will be accepted for a loan.
  • Affordability – lenders ensure that customers can afford to repay a loan; so, it may be the case that you haven’t met the lenders’ affordability requirements.

The first thing to do is check your credit report to make sure the information on it is correct.

To do this you can contact the Credit Reference Agencies. https://www.experian.com , and

The Financial Conduct Authority maintains a list of Credit Reference Agencies. It can be accessed here:

Finance Contact Details


03338 802 918    

Customer Services

If we do not meet your expectations in any way, we want to have the opportunity to put things right. If you have a complaint or think we got something wrong, we encourage you to contact us at If you wish to take your complaint further, you have the right to escalate your complaint to the Financial Ombudsman Service. You can contact them on 0800 023 4 567 or through their website at