You're more
than a credit score.
Motova uses AI-assisted underwriting to look at your whole financial picture — not just your credit history — so we can find you a vehicle that's a responsible match. Flexible terms, real vehicles, and a way forward if your first choice isn't quite right.
Secure Open Banking connection · Reviewed by our technology and, where needed, our team · Available for individuals and businesses
Our technology helps us understand your financial picture more fully — not just a score from a bureau file.
Connected · Manchester ring road
Simple, transparent, and designed around your circumstances.
No mountain of paperwork, no waiting weeks for an answer. Here's the shape of it — see the full application journey for every step.
Tell us what you need
A vehicle, a rough budget, and whether this is for you or your business. Takes a couple of minutes.
Connect your financial information
A secure Open Banking connection, with your consent. Read-only, and you can revoke it whenever you like.
Motova analyses your financial picture
Our technology helps us understand affordability, consistency and existing commitments — the full picture, not one number.
Find your vehicle match
We show you vehicles that are a responsible fit for where you are right now, with a clear next step either way.
Everyday and premium, matched to what fits.
Our range spans dependable everyday makes through to premium marques. The final inventory is confirmed once you're matched — availability changes regularly.
Reliable, well-priced motoring
Practical vehicles for commuting, family life, or getting a new business on the road.
Elevated makes, same flexible terms
For when it matters — premium vehicles available on the same transparent FlexLease structure.
From 3 months, then flexibility when you need it.
One monthly payment covers the vehicle. Start on a short initial term, roll month to month once it's up, or move to a longer agreement on selected vehicles — your call. Exact pricing is confirmed as part of your vehicle match.
FlexLease Start
The standard way to begin — a 3-month initial term while we get to know each other.
- 3-month initial term
- Servicing & warranty included
- Reviewed for rolling terms after month 3
- Motova TrustScore™ starts building from day one
FlexLease Rolling
Once your initial term ends, move to a rolling monthly arrangement where appropriate.
- Month-to-month after your initial term
- Servicing & warranty included
- Change vehicle as your TrustScore™ grows
- Cancel with notice, no long tie-in
FlexLease Extended
Longer 12–36 month agreements, available on selected vehicles once you're established with us.
- 12–36 month agreements
- Servicing & warranty included
- Typically the most cost-effective option
- Available on selected vehicles/deals
Business FlexLease
For SMEs, taxi & private hire, and logistics businesses. Scale vehicles up or down monthly.
- Rolling monthly per vehicle
- Add or return vehicles as demand shifts
- Suited to new businesses with strong income
- Live fleet overview included
Business FlexLease Committed
6–24 month fleet terms with priority allocation and simpler reporting.
- 6–24 month terms
- Reduced per-vehicle rate
- Compliance & MOT tracking support
- Utilisation reporting across your fleet
Enterprise
National fleets, bespoke terms, a dedicated Motova contact.
- Custom terms & vehicle mix
- Dedicated account contact
- Multi-depot support
- Built for logistics & multi-vehicle fleets
A smarter way to understand affordability.
Our technology helps us understand your financial picture more fully — looking at real, relevant signals from your Open Banking connection rather than a single historical score. Applications can also be reviewed by our team where needed.
- 01Income & cash flow — how consistent and stable your income has been, recently.
- 02Affordability — what's realistically left over once your regular commitments are covered.
- 03Financial consistency — patterns like regular bills paid, rather than any single transaction.
- 04Vehicle recommendations — matched to what's a responsible fit for your circumstances.
Our technology assists with underwriting; it doesn't make fully autonomous lending decisions on its own, and it doesn't infer anything about your lifestyle beyond relevant, explainable financial indicators.
Built for people credit scores get wrong.
New to the country, self-employed, freelance, recently changed jobs — a static score doesn't see any of that. We look at the whole picture instead.
Beyond the credit score
We assess real affordability via Open Banking, alongside — not instead of — a fair, considered review.
Connected vehicle technology
Vehicles use connected technology to support security, maintenance and fair usage — used responsibly and never for speculative profiling.
Transparent by design
Servicing and warranty are built into your FlexLease. No pricing surprises once you're matched.
Build your TrustScore over time.
TrustScore™ is Motova's own way of understanding your relationship with us — it isn't a credit score, and it isn't fixed. It reflects how things are going, and it can move in your favour. See how it works in full →
Example: your TrustScore™ can rise because you've maintained a strong payment history and shown consistent driving behaviour — and we'll always explain why it's changed.
An intelligent assistant, not just a chatbot.
AskMotova™ is built into your Motova account to help with the things you'd normally have to call or email about — instantly, and around the clock.
- ✓Account questions — payments, dates, documents, in plain language.
- ✓TrustScore™ guidance — what it is, and practical ways to improve it.
- ✓Lease management — extensions, upgrades, and reporting an issue.
- ✓Handed to a person — when something needs a human, it's routed to our team.
Your whole lease, in one place.
The Motova app is in development. Once live, it'll bring your vehicle, payments, TrustScore™ and AskMotova™ together — so you're never guessing where things stand.
Fleet leasing that scales with your business, not your paperwork.
For SMEs, taxi & private hire drivers, truck and logistics operators, and growing fleets. Our AI-assisted underwriting reviews each vehicle individually via Open Banking, so your fleet can grow — or contract — as your business needs.
If you've been underserved by traditional finance, this is built for you.
Individuals
- Imperfect or limited credit history, but good income
- Expats and people new to the UK
- Self-employed or recently changed jobs
- Need for short-term or flexible vehicle access
SMEs & new businesses
- New businesses with strong trading income
- Small and medium-sized enterprises
- Companies without a long trading history
- Teams that need to scale vehicles quickly
Fleets & drivers
- Taxi & private hire drivers
- Truck and logistics operators
- Growing multi-vehicle fleets
- Businesses that need reporting across every vehicle
If a vehicle isn't the right fit today, we'll find one that is.
Motova doesn't just approve or decline. If your first choice isn't a responsible match right now, we show you real alternatives — each with a Motova Match score, an indicator of vehicle/customer suitability, not a guarantee of approval.
Example — you searched for a BMW X5. Here's what a match result could look like:
Good to know
Can't find your question here? Message us — a real person replies, usually within the hour.
No. Open Banking is a secure, read-only connection — it doesn't run a credit search or appear on your credit file.
No. Our technology helps us understand your financial picture more fully — affordability, income consistency, existing commitments. Applications can also be reviewed by our team.
It's Motova's own relationship score — not a legally binding credit score. It reflects things like payment history, vehicle care and driving behaviour, and it's designed to move in your favour over time. Learn more.
We'll show you alternative vehicles that are a stronger match for your current profile, each with a Motova Match score, so there's usually a next step rather than a dead end.
Most agreements start with a 3-month initial term, then move to a rolling monthly arrangement where appropriate. Longer 12–36 month agreements are available on selected vehicles.
Often, yes — our AI-assisted underwriting looks at real business banking activity, so newer companies with strong income aren't automatically excluded the way they can be with traditional lenders.