· We are a credit broker and not a lender, licensed by the Financial Conduct Authority as a credit intermediary.

· We can introduce you to a limited number of lenders (listed below) and their finance products which may have different rates and charges and who may be able to finance your purchase. We can only introduce you to these lenders.

· We do not charge you a fee for our services*.*

· Whichever lender we introduce you to, we will typically receive commission from them, either a fixed fee or a fixed % of the amount you borrow.

· The various lenders we work with could pay commission at different rates , calculated by reference to the vehicle model or amount you borrow, however, the commission that we receive from a lender does not affect the amount that you pay that lender under your credit agreement.

· In the case of a new vehicle, we are most likely to first introduce you to the manufacturer’s finance company as they are most often able to offer the best available package, taking into account interest rates, residual values (where applicable) and any other relevant factors.

· For other vehicles, the lender we introduce you to will depend on factors such as the vehicle, your personal circumstances and the likelihood of a lender to accept an application, based on the information provided.

· If the finance company is unable to make you an offer of finance, or the vehicle is not one that we would normally place with them, we will introduce you to other lenders on our panel.

· The interest rate which you pay may be based on the make of vehicle, the vehicle age or the amount borrowed.

· We adhere to FCA fair consumer outcome principles. The rate advertised on any vehicle will be consistent for all consumers and will not be discounted for any consumer.

· We are not an independent financial adviser and so are unable to provide you with independent financial advice. No advice or recommendation will be made.