Terms & Conditions

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Please read these Terms and Conditions carefully before using the Quick Car Finance UK website. By accessing or using our website, you agree to be bound by these terms. If you do not agree with these terms, please do not use our website.

1. About Us

Quick Car Finance UK is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA) for credit broking. We introduce customers to a panel of lenders who may be able to offer finance. We act as an intermediary between you and our panel of lenders.

2. Our Services

Quick Car Finance UK provides a credit broking service to help you find car finance. Specifically, we:

• Present your application to our panel of lenders.
• Obtain a finance quote on your behalf.
• Provide information about finance products available to you.
• Introduce you to a lender who may offer you finance.

We do not make lending decisions. Any decision to lend is made solely by the lender.

3. Our Charges

We do not charge you a fee for our credit broking service. We may receive a commission or other remuneration from lenders when we successfully introduce a customer to them. The amount of commission may vary depending on the lender and the finance product. Details of any commission will be provided upon request.

4. Eligibility

Our services are only available to:

• UK residents.
• Individuals aged 18 or over.
• Individuals with a valid UK driving licence or who are eligible to obtain one.

Finance is subject to status. Not all applicants will be accepted. A credit assessment will be carried out as part of the application process.

5. Credit Checks

When you submit an enquiry through our website, we may conduct a soft credit search to assess your eligibility. This will not affect your credit score or be visible to other lenders. If you proceed with a full finance application, a hard credit search will be conducted by the lender. This will be recorded on your credit file and may be seen by other lenders.

6. Representative APR

Representative 21.8% APR. The actual APR offered will depend on your individual circumstances and the lender's assessment of your creditworthiness. Written quotations are available on request.

7. Website Use

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use our website in any way that is unlawful or fraudulent.
• Transmit any unsolicited or unauthorised advertising or promotional material.
• Attempt to gain unauthorised access to any part of our website or its related systems.
• Use our website to transmit any data, send or upload any material that contains viruses or other harmful code.

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Quick Car Finance UK or its content suppliers and is protected by UK copyright law. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Disclaimer of Warranties

Our website is provided on an "as is" basis. We make no representations or warranties of any kind, express or implied, regarding the operation of our website or the information, content, or materials included on our website.

We do not guarantee that finance will be available to all applicants. The availability of finance is subject to the lender's assessment of your individual circumstances.

10. Limitation of Liability

To the fullest extent permitted by law, Quick Car Finance UK shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our website or services.

11. Links to Third-Party Websites

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Complaints

If you have a complaint about our service, please contact us via our contact page. We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks. If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

14. Changes to These Terms

We reserve the right to amend these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website following any changes constitutes your acceptance of the new terms.

15. Contact

For questions about these Terms and Conditions, please visit our contact page.