You're more than a credit score. That's the whole company.
Motova exists because traditional credit scoring gets too many people wrong. We built an alternative: AI-assisted underwriting that looks at your real financial picture via Open Banking, so more people get a fair, honest answer — and a vehicle that actually fits.
A credit score is a summary. We wanted the whole story.
Self-employed, new to the country, recently changed jobs, imperfect credit history — traditional lenders see a number and stop looking. We built Motova to look further: real income, real spending, real financial behaviour, understood by our technology and reviewed by our team where it matters.
The principles behind every decision.
Fair assessment
AI-assisted underwriting via Open Banking — never a decision made on a credit score alone.
Matching, not rejection
If a vehicle isn't right for you today, we'll help you find one that is.
Transparency
Clear terms, no hidden fees, nothing confirmed until you've seen it in writing.
Built for real life
Short-term, long-term, or somewhere in between — terms that move with you.
Technology, with people behind it
Our technology assists the decision. Real people review it where it matters.
One standard, for everyone
Individuals, businesses, and MotovaExotic clients are all assessed the same fair way.
Three ways to work with Motova.
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
Business & fleets
- SMEs and new businesses
- Taxi & private hire, logistics operators
- Growing multi-vehicle fleets
- Per-vehicle underwriting, not one blanket decision
MotovaExotic
- Supercars and luxury vehicles
- Short-term, concierge-led hire
- The same fair assessment, a different class of vehicle
- Delivered and collected, discreetly
Preparing to launch.
Motova is a technology company building the systems, partnerships and compliance foundation needed to launch vehicle leasing services responsibly. We're not cutting corners to get there faster.
Open Banking connections, regulatory status and partner integrations will be confirmed ahead of launch. Motova does not currently process live applications. Motova TrustScore™ and AskMotova™ are Motova trademarks.