Terms and Conditions

Our terms of business and disclosure document.

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

  1. Telephone 0330 822 6446
  2. Email [email protected]
  3. 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.

5. Affordability

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. Your Information

We value the fact you trust us with your data; therefore, we work extremely hard to ensure its protected. For full details on how we protect your information, why we ask for certain information and along with many other details, you can consult our privacy policy here - https://www.quickcarfinance.co.uk/privacy-policy.

8. Complaints

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.