Also known as: Advantage Finance; advantage-finance.co.uk
Advantage Finance Limited is a near-prime and non-prime UK motor finance lender based in Grimsby, incorporated in May 1999. A wholly owned subsidiary of S&U PLC, a FTSE-listed specialist consumer credit company. Advantage provides Hire Purchase finance for cars, vans, caravans and motorcycles through a network of approved dealer and broker partners. Specialises in customers with lower or impaired credit histories. Subject to an FCA restriction on collection processes (since lifted) and to DCA mis-selling review. Representative APR for HP is 33.87%.
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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 and social proof
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.
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