These are the different ways we make money from finance, and how commission works for each one.
Sellers advertising finance on Auto Trader
Sellers advertising vehicles who are authorised to offer finance pay us a monthly fee to advertise their finance. This fee does not influence the amount you pay or the finance rate you receive.
Sellers advertising vehicles with the option to apply for finance online
Some sellers offer the ability to reserve a vehicle online and apply for finance with the lenders they work with. If you reserve a vehicle online and apply for finance the seller may pay Auto Trader a commission based on a fixed percentage of the vehicle price. This fee does not influence the amount you pay or the finance rate you receive.
Sellers advertising vehicles with the option to apply for finance online with CarMoney
Some sellers offer online finance applications through Auto Trader via a credit broker, CarMoney. If you apply with CarMoney on Auto Trader and take out finance from one of their lenders, CarMoney will pay Auto Trader a fixed fee. This fee does not influence the amount you pay or the finance rate you receive.
Seller adverts including Zuto finance information
Auto Trader introduces you to a credit broker (Zuto Limited) and their finance information on some vehicle adverts. Zuto pays us a fixed fee each time a customer uses a loan approved by them to buy a vehicle. This does not impact the amount you pay or the finance rate you receive. The seller does not receive any fee or commission from Zuto.
Insurance
Auto Trader introduces you to MoneySuperMarket to allow you to obtain insurance quotes on car, bike and van vehicle adverts. MoneySuperMarket pay us a fee each time a customer obtains a quote through their service which results in an insurance policy being purchased. The fee received by Auto Trader is a fixed percentage of the commission received by MoneySuperMarket from the insurer. The commission received by MoneySuperMarket is typically a fee paid by the insurer based on either the total cost or the length of the policy you buy. The commission paid to MoneySuperMarket by the insurer, or the percentage paid to Auto Trader, does not effect what you pay. The vehicle seller does not receive any fee or commission from Auto Trader or MoneySuperMarket.
Leasing
All leasing adverts on Auto Trader are lease deals provided by Autorama UK Limited (Trading as Auto Trader Leasing, part of the Auto Trader family). If you order a lease vehicle via Auto Trader Leasing they may introduce you to a select number of lenders or funding partners. If you lease a vehicle via Auto Trader Leasing they will receive a commission or other benefits from the funder. Whilst you will not be charged any fees directly by Auto Trader Leasing, the commission will be reflected in your monthly lease payments. Autorama UK Limited T/A Auto Trader Leasing is a full owned subsidiary of Auto Trader Group Plc.