These are the different ways we make money from finance, and how fees or commission work for each one.
Sellers advertising finance on Autotrader
Sellers advertising vehicles who are authorised by the Financial Conduct Authority to act as credit brokers pay us a flat monthly advertising fee to advertise that finance may be available through them.
In displaying these paid-for advertisements, Autotrader makes no selection or recommendation towards any seller or of any finance advertised, which may be offered through the seller.
Sellers advertising vehicles with the option to reserve the vehicle and to apply for finance online
If you reserve a vehicle online, this may also include attaching a finance estimate, quote or application with a lender or broker the seller works with. If the seller introduces you to a lender, Autotrader does not receive a fee or commission from the lender.
If the seller introduces you to a credit broker, excluding Car Money Limited, and you take out finance from one of their lenders, the credit broker will pay Autotrader a fixed percentage of the vehicle price.
If the seller introduces you to CarMoney Limited, and you take out finance from one of their lenders, CarMoney will pay Autotrader either a fixed fee or a percentage of the amount you borrow.
Because Autotrader receive these fees under agreements with brokers such as CarMoney, we are not acting impartially, and do not make any recommendation about the finance you’ve been offered through them.
Seller adverts including Zuto finance information
Where the seller does not advertise finance for the vehicle, Autotrader has an exclusive commercial agreement with Zuto Ltd to include Zuto’s information in the advertisement.
Zuto is a credit broker, not a lender. If you contact them, they will introduce you to one or more finance providers who may offer to finance your purchase of the vehicle advertised.
Autotrader receives commissions from Zuto for any finance agreement completed with them originating from a link on Autotrader.co.uk.
Because we receive commissions under this exclusive commercial agreement, we're not acting impartially in any introduction to Zuto and don't make any recommendation about the finance that you may be offered. Finance available through Zuto may not be suitable for you, and you may be able to obtain cheaper finance elsewhere
Insurance
Autotrader 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 Autotrader 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 Autotrader, does not affect what you pay.
The vehicle seller does not receive any fee or commission from Autotrader or MoneySuperMarket.
Leasing
All leasing adverts on Autotrader are lease deals provided by Autorama UK Limited (Trading as Autotrader Leasing, part of the Autotrader family). If you order a lease vehicle via Autotrader Leasing they may introduce you to a select number of lenders or funding partners.
If you lease a vehicle via Autotrader Leasing they will receive a commission or other benefits from the funder. Whilst you will not be charged any fees directly by Autotrader Leasing, the commission will be reflected in your monthly lease payments. Autorama UK Limited T/A Autotrader Leasing is a fully owned subsidiary of Autotrader Group Plc.