1. Who are we?
Quick Car Finance are a motor finance broker, dedicated to helping our consumers source the best finance rate for their circumstances. Our team boasts a wealth of knowledge within the sector, with a combined experience of 15 years + within the industry! We pride ourselves on offering excellent service, making your car financing journey as quick and speedy as we can!
We want to make you aware that in order to assist you, we are authorised and regulated by the Financial Conduct Authority ('FCA') under firm reference number 764855. Quick Car Finance is a trading name of Automotive Online Ltd, we act as a broker, not a lender.
You can check our information on the FCA Register here - https://register.fca.org.uk/s/
2. How to contact us?
You can contact us on the below information
- Telephone 01202 286500
- Email [email protected]
- Post This Work Space, 18 Albert Road, Bournemouth, BH1 1BZ
3. Finance Options and Credit Searches
In order to try to obtain you a finance acceptance, we will pass you details to the lenders with whom we work with. In order to ensure we treat our customers fairly, we do not send you to all of our panel, but rather send you to those who accept your current circumstance. We do need to make you aware that whilst finance cannot be guaranteed, our team will try their best to obtain you an acceptance.
Our lenders will check your information with credit reference and fraud prevention agencies to fully assess your application. The majority of our lenders complete a soft search, however, please note that if approved and in order to proceed they may complete a full search, which will show on your profile. If you do not consent to the above searches being carried out, please do not submit your application. Our team will not process any application without your explicit consent.
Our lending panel can offer a range of finance products such as Hire Purchase, Conditional Sale and Personal Contract Purchase. Our team will go over all aspects of your agreement to allow you to make an informed decision. Please note we will never advise you or recommend. We are only able to offer you products from our panel.
4. Fees and Commissions
By passing your details to our lending panel, we receive a commission from them for the introduction. This commission will not impact any rate, amount, or acceptance you are offered and is an agreed fixed payment or percentage. This commission may vary from our lenders. You have the right to request information on our commission at any time using the above contact details.
We do not charge any regulatory fees for obtaining you a finance acceptance.
It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation. Our team will go over all your details to ensure we have the correct information to pass onto our lenders, who will then try to verify the information. However, please note that evidence of your income may be requested.
If you are aware or suspect that your financial position will change in the future, you must inform us. Your credit rating could be adversely affected if you do not make payments when due. The approval is subject to further checks from the lender, and as such can be amended or withdrawn at any point prior to receiving payout confirmation from the lender.
6. GAP Insurance and Aftersales Products
With your permission and consent, we may pass your details to third parties for the purpose of obtaining GAP insurance. GAP insurance is a product that could assist you in the future and our partners will provide you with a key information document and be on hand to answer any questions to see if this product is suitable for you. Please note we do receive a commission should you decide to proceed with this product.
If you have any questions regarding this product, please do contact us on the above information. We also offer a Warranty product that could benefit you in the months after you have purchased your vehicle. This product is available over different terms with different payment methods to suit your needs and budget so please speak to our team if you have any questions.
7. Our Car Searching Package
In order to assist our customers with their car searching journey, we offer a bespoke assistance package that could help you. The service includes HPI checking all vehicles and searching for vehicles based on the criteria you provide us with. We need to make you aware that we charge you a fee for this service, however it is not compulsory, it is only there to assist you if required. This will not impact your financial acceptance in any way. We will always provide you with the best rate of deal for you regardless. We charge a £149 fee for this service and will be payable upfront.
Our team will go through exaclty what this package includes and the searches they undertake: however please contact us on the above details and we will go through it for you in further details so you can fully understand the package. Please note that should you proceed with this package, the intention is to assist you only, we will never advise you to choose a certain vehicle and you are responsible for ensuring that this vehicle is suitable for your requirements. This fee is not related to any regulated activity. This fee is non-refundable.
You are able to pay for this fee upfront or in some cases, you may be able to include it as a package within your finance agreement. Please note, if you choose to add it to your finance agreement, this can incur interest and increase your total amount repayable.
8. Your Information
We work hard to provide you with the best service we can, however we do understand that at some points you may not be happy with the service or product you have received. Our aftersales team work hard to ensure that we keep our customers happy and are on hand to assist with you with any problems you may have faced. Our full complaints procedure can be found here - https://www.quickcarfinance.co.uk/complaints-procedure/, however please feel free to contact us on the information listed above.