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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 those companies.

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 Entity.

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 application.

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:

Credit Manager
Smart Car Finance Limited
Second Floor
Cardiff House, Tilling Road,
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.