We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products, and we act as their agent for this introduction. We are not an independent financial adviser; we will provide details of products available. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. We will typically receive commission from the lender we introduce you to (either a fixed fee or a fixed percentage of the amount you borrow). Acting as a credit broker, we can introduce you to a selected group of lenders/brokers - MotoNovo, Santander and Apollo Capital – that may be able to help you finance your purchase. This group of lenders/brokers provides us with a range of products which may be suitable for your purchase. We will explain the key features of these products to you. Unless we consider it to be inappropriate due to your personal circumstances, for certain vehicles, e.g., new vehicles, our approach is to introduce you to the lender that is usually able to offer the best available package for you, taking into account interest rates, residual valuations (where applicable) and other contributions. If the lender 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 lender we introduce you to, and available rates, will depend upon a number of factors, including the vehicle, your personal circumstances and the likelihood of a lender to accept an application based on the information provided. Lenders typically pay a commission to us for introducing you to them, which is calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions; some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. However, any such amounts they, and other lenders, pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you would like to know the amount of any remuneration we have received from the finance provider, please ask us. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over, guarantees may be required.
