Initial Disclosure Document
Get Car Credit is a trading name of Get Car Credit Ltd who are authorised and regulated by the Financial Conduct Authority (FCA). We are a Credit Broker and not a Lender.
The Financial Conduct Authority (FCA)
The FCA are the independent watchdog that regulates the Financial Services industry. Please use the information below to decide if our services are right for you and your individual circumstances.
What products and services do we offer?
We only offer products from a limited number of lenders for vehicle finance. Please ask us for a list of lenders from whom we can offer finance from.
Which service will we provide you with?
You will not receive any advice or recommendations from us in relation to finance. We may ask you certain questions to assist us in narrowing down the selection of products that we will provide you details on. You will then need to make your own choice about how to proceed. We will always provide you with both the advantages and disadvantages of the product types that are available to you.
We are not an Independent Financial Advisor (IFA).
What will you pay us for our services?
We will not charge you a fee for using our service.
The lender may charge their own fees. These may include, but are not limited to documentation fees, option to purchase fees, excess mileage charges or administration fees but this information will always be detailed in the quote that we provide to you.
How do we make money?
Get Car Credit work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We will be paid a commission by the lender for the introduction that we make to them, this will not change the rate that the lender offers. The rate of commission will vary by lender however, we will ensure you are provided with all the information required to make an informed decision for your individual circumstances. We are happy to share the amount of commission received on your individual application, if you would like this information, please contact us on:
Telephone: 0333 5677555
Email: hello@getcarcredit.co.uk
Address: FAO Philip Onions, Get Car Credit Ltd, 428 Redditch Road, Kings Norton, Birmingham B38 8NA
Who regulates us?
Get Car Credit is a trading name of Get Car Credit Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).
Our Firm Reference Number (FRN) is 1005123. You can find us on the FCA Register by searching Get Car Credit Ltd on https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768.
Get Car Credit Ltd is a Credit Broker and not a Lender.
Confidentiality and Data Protection
We are registered with the Information Commissioners Office for the purpose of Data Protection and our registration number is ZA864000
In order for us to operate there is a need for us to gather some personal information from you. This information is crucial for us to facilitate our services and in some instances we may need to share this data with trusted third-party organizations. These organizations could include potential lenders or credit brokers who play a vital role in making credit decisions based on the information you provide.
Sharing of your information is done with the consent you give. This may involve sharing details with credit reference agencies and other entities to assess your creditworthiness and prevent fraud. If you wish to know exactly where your information is headed and why, or if you decide to withdraw your consent for the processing of your personal data, feel free to get in touch with us.
In cases where the initial application with the most suitable lender faces challenges, we might explore other options by referring your application to different lenders or credit brokers. It's worth noting that these entities, involved in assessing your application for finance, won't utilize your personal information for promotional or marketing purposes unless you explicitly opt-in to receive such materials from them.
For a comprehensive understanding of how your information will be handled and your rights in this process, our privacy policy is readily available upon request. If you'd like to receive a copy of this policy or seek further information, don't hesitate to reach out to us.
Additional Support
• If you would like to discuss how we could provide additional support to you during the process, please contact us. For example, we have a multitude of different communication methods available to us and more than happy to discuss this in more detail. We are also open to assisting you in other ways where we can. If you would like to know more, please contact us using the information below:
Telephone: 0333 5677555
Email: hello@getcarcredit.co.uk
Address: FAO Philip Onions, Get Car Credit Ltd, 428 Redditch Road, Kings Norton, Birmingham B38 8NA