Terms and conditions relating to your application
Smart Car Finance Ltd. (“the Company”) operates the website www.Financeacar.uk
that provides an intermediary service (“the Service”) that matches a customer's
financial requirements with an appropriate financial product and then makes an
introduction (or processes your application) to a UK lender or one of our
strategic business contacts (Partner Entity/Entities). The Company and its
Partner Entities are strictly governed by relationships with lenders and
dealers, and cannot be held responsible for any change to vehicle specification
or finance rates or any other variable outside of its control so imposed by
This website is targeted for use by those at least 18 years old and a UK
resident (excluding Northern Island, the Channel Islands and the Isle of Man).
Before submitting information to the Company, you should ensure all your contact
information is correct. The information supplied to the Company in advance of it
submitting a proposal to a UK lender or a Partner Entity must be accurate;
failure to supply accurate information will result in the customer losing their
cancellation and refund rights. The completion of an application for finance
gives the Company or a Partner Entity the right to contact you directly to
provide you with a fixed quote.
All vehicle descriptions are supplied by Partner Entities, and therefore the
Company shall not be held responsible for any related errors or emissions on
pricing or vehicle description. The Company or a Partner Entity has the right to
refuse a sale or adjust any details up until an order has been received in
writing from the customer at an agreed price set by the Company or Partner
Neither the website FinanceAcar nor the information derived from it constitutes
an offer by the Company or Partner Entity. Prices contained within the site
and/or Quotations subsequently obtained are subject to confirmation by Partner
Entities who have the right to decline any proposal. No contract will be binding
on the Company or Partner Entity unless it is a contract directly with that
party in writing and signed by a duly authorised representative of the Company
or Partner Entity.
Accordingly, neither the Company or its directors, representatives or employees,
accept any liability whatsoever for any direct, indirect or consequential loss
arising from the use of FinanceAcar or information from FinanceAcar.
Car Finance is Subject to Status
In assessing your car loan application, we will make enquiries about you
including searching your record with the credit reference agencies. You consent
to us disclosing details of your finance application and we may use a ‘credit
scoring’ or other automated process in deciding whether to accept your
Your information may also be sent to a 3rd party for further loan options who
may also search your record with the credit reference agencies. Your information
will also be checked with fraud prevention agencies and if fraud is suspected
the Company and/or Partner Entities will record this and those details will be
shared with other subscribing organisations.
By stating a financial association with another party, you are also declaring
that you are entitled to:
i. disclose information about your joint applicant and/or anyone else referred
to by you
ii. authorise us to search, link and/or record information at credit reference
agencies about you and/or anyone else referred to by you.
Information held about you by the Credit Reference Agencies may already be
linked to records relating to one or more of your partners. For the purposes of
this application you may be treated as financially linked and your application
will be assessed with reference to any “associated” records.
Keeping you informed
You have the right of access to your personal records held by credit and fraud
agencies. The names and addresses of these agencies will be supplied upon
request to the Partner Entity managing your application or, in the event that
the Company is managing the process then to the following address:
Smart Car Finance Limited
Cardiff House, Tilling
London, NW2 1LJ
By agreeing to the above terms and conditions when making your application, you
are giving your consent for your information to be used by the Company or a
Partner Entity for administrative, underwriting, marketing and revenue purposes.
These terms and conditions are to be read in conjunction with the general
website terms and conditions (located at the following link –
General terms and conditions) to which you
have already consented.