FINANCE

We make financing your used car simple.

Find your perfect small car, apply for finance and sign your agreement all online. Pay your deposit, then have your car delivered to your door or collect it, contact free.

Choose from our monthly payment options. As we’re a finance broker not a lender, we’ll always find a competitive deal for you.

Poor Credit Score? No Problem

We have access to wide panel of lenders that specialise in finding customers the best deal that have poor credit. Simply whatsapp or call us and we will take some details to help you get behind the wheel of the car you’ve always wanted.

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you’ll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if you want to buy the car at the end of the agreement.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the car must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you’re thinking of changing your car in the next few years, or if you’re unsure whether you want to buy the car at the end of the agreement.

Did you know?

PCP monthly payments are usually lower than HP payments. This is because a large part of the total amount payable is left to the end of the agreement. You also pay interest on the car’s value at the end of the term, which means that PCP can be more expensive overall.

Initial Disclosure Document - Consumer Credit

Your Finance Options

As an FCA-regulated credit broker we can introduce you to a selected group of lenders (a list is available on request) who may be able to help you finance your purchase. This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you. We do not charge fees for our Consumer Credit services. We will receive a commission payment in the form of a percentage or a fixed amount of the total amount borrowed should you decide to enter into an agreement with the finance provider.

We have taken steps to ensure that if, while advising you, we make a recommendation; such recommendation will be suitable for your demands and needs at the time the recommendation is made. In assessing your demands and needs we may seek such information about your personal circumstances and objectives as might be relevant to enable us to identify your requirements. It is important that you provide us with accurate and relevant information.

We always aim to provide a first-class service, however if you have any cause for complaint any enquiry can be raised by contacting us using the address and telephone number below. Should you remain dissatisfied, you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

As an organisation we are committed to treating our customers fairly, before, during and after a sale.

Before the sale you can expect:

To have any significant and unusual exclusions or exceptions relating to the finance agreement brought to your attention A clear statement of price, including where applicable a breakdown of any interest charges Details of your cancellation rights and our complaints procedure Copies of your finance agreement documentation or information as to when these documents will be dispatched

After the sale you can expect:

Not to encounter any barriers to cancelling your finance agreement within regulatory agreed timeframes To have any complaint dealt with in a timely and professional manner

If at any time you feel you have not been treated fairly by any member of our staff, please contact us by writing to Small Cars Direct Limited, 1H Hamilton Business Park, Gore Road, New Milton, BH25 6TL- UNITED KINGDOM or by telephone 01425 529 559.

Confidentiality and Data Protection

Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering, and renewing finance contract(s) and for the purposes of monitoring and/or enforcing compliance with regulatory rules/codes.

For full details of where your information will be sent and the purpose of such data transfer, please ask us. The Financial Conduct Authority (FCA) is the independent regulator of financial services.

Use this information to decide if our services are right for you. Small Cars Direct Limited, 1H Hamilton Business Park, Gore Road, New Milton, BH25 6TL- UNITED KINGDOM is authorised and regulated by the Financial Conduct Authority (our registration number is 942908 as a credit broker and is included on the Financial Services Register https://register.fca.org.