1. Who we are
Car Finance UK is part of Cosmic Compare, a trading style of iRevolution Extra Limited, a company registered in the UK under company number 12107897. We are authorised and regulated by the Financial Conduct Authority under firm reference number 912687. Our registered office is at [registered office address].
2. What our service does
We operate a credit broking and introducer service. We do not provide loans ourselves. When you complete an enquiry on our website, we may introduce your details to one or more lenders or intermediaries in our panel who may then make you an offer of finance. Any credit agreement you enter into will be with the lender concerned, not with us.
Our service is free to use. We do not charge consumers any fee for making an introduction.
3. How we are paid
We receive a commission from lenders and intermediaries when a customer we have introduced completes a finance agreement. Commission may vary depending on the lender, the product, and the amount of credit provided. Commission does not affect the interest rate or fees you are charged. Further detail of the commission arrangements applicable to your quote is available on request.
4. Eligibility
To use our service you must be a UK resident, aged 18 or over, and legally able to enter into a credit agreement. You confirm that any information you provide to us is true, accurate and complete, and that you will notify us if any of that information changes before an agreement is entered into.
5. Credit checks and soft searches
When you request a quote we may perform a "soft" credit search on your file so we can match you with lenders likely to accept you. A soft search is visible only to you and does not affect your credit score. If you proceed with a finance application, the lender concerned will typically carry out a full ("hard") credit search — this is visible to other lenders and can affect your credit score.
6. Third-party sites
Parts of our service link you to third-party websites operated by our partners for the purpose of completing a finance quote. When you follow one of these links you leave our website and your use of the destination site is governed by that site's own terms and privacy policy. We are not responsible for the content or practices of third-party websites.
7. Your responsibilities
You are responsible for keeping your account information and any documents you send us secure. You agree not to misuse our website, attempt to gain unauthorised access to it, or use it in any way that is unlawful, fraudulent or harmful.
8. Limitation of liability
Nothing in these terms excludes or limits our liability where it would be unlawful to do so. Subject to that, we accept no liability for indirect, incidental or consequential loss arising from your use of the site or from any decision made by a lender or intermediary to whom we introduce you. Our aggregate liability to you in relation to the website will not exceed £100.
9. Changes to these terms
We may update these terms from time to time. The version in force is the one published on this page. Continued use of the website after a change constitutes acceptance of the updated terms.
10. Governing law
These terms are governed by the laws of England & Wales and are subject to the exclusive jurisdiction of the courts of England & Wales.
11. Contact us
Legal notices should be sent to [legal contact email] or by post to our registered office. For customer enquiries, please see our Complaints page.