Home Products and Services Terms and Conditions

Terms and Conditions for car loans and Vehicle Finance

All rights, including copyright and database right, in the Creditplus website and its contents, are owned by Creditplus, or otherwise used by Creditplus as permitted by applicable law.

Creditplus is a specialist vehicle financier and vehicle supplier, Creditplus is strictly governed by its relationships with Lenders, Dealers, and cannot be held responsible for any change to vehicle specification or finance rates or any other variable outside of it's control so imposed by those companies.

All vehicle descriptions are supplied by dealers therefore Creditplus shall not be held responsible for any related errors or emissions on pricing or the description of any vehicles. Creditplus has the right to refuse a sale or adjust any details up until an order has been received in writing from the customer at an agreed price set by Creditplus.

All rights, including copyright and database right, in the Creditplus website and its contents, are owned by or licensed to Creditplus, or otherwise used by Creditplus as permitted by applicable law.

In accessing Creditplus web pages, you agree that you will access the contents solely for your own private use but not for any commercial or public use, save for the purposes as laid out in these terms and conditions. You can download and use the service on a single CPU at a time and you can print out a single hard copy of any part of the content on Creditplus website for your personal use.

Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, re-transmit, broadcast, modify, or show in public any part of Creditplus web site save for the purposes as laid out in these terms and conditions without the prior written permission of Creditplus or in accordance with the Copyright, Designs and Patents Act 1988.

The Web-Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. Creditplus makes no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied.

Neither the Web-Site nor the information derived from it constitutes an offer by Creditplus. Prices contained within the site and/or Quotations subsequently obtained are subject to confirmation by Creditplus. We have the right to decline any proposal. No contract will be binding on Creditplus unless it is in writing and signed by a duly authorised representative of Creditplus.

Accordingly, neither Creditplus nor its directors, representatives or employees, accepts any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Web-Site and the information supplied in connection therewith

By using the Web-Site the User further agrees to indemnify and hold Creditplus harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Web-Site. Any photographs and colours used in the site are for illustrative purpose only and do not form part of any contract.

Creditplus reserve the right to charge an administration fee to cover the cost of arranging vehicle finance, or if the loan does not complete due to false information given on the application form. The administration charge is kept to a minimum to cover costs only. In the event of a cancelled order by the client, or the client changing supplier the administration fee will not be returned by Creditplus.

Vehicles Supplied by Creditplus.

Vehicles supplied by Creditplus will be covered by a warranty for a minimum of 3 months. It is the customer’s responsibility to be fully aware of the parts not covered by the warranty (if any). The vehicle is supplied on the basis that the client understands Creditplus will not rectify or compensate for any vehicle repairs outside the warranty.

If a vehicle is returned the customer bears the cost of return and a cancellation fee of 5% of the car value or a minimum of £500, whichever is the greater.

Important Information

Finance is provided, subject to status. Written quotations available on request. To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man).

The Financial Services (Distance Marketing) Regulations 2004

Guidance on the Consumer Protection (Distance Selling) Regulations 2000 No.2334, we comply with distance selling rules. Customers cannot cancel or return goods for:

Services which begin, with the customer's agreement, before the seven-day cancellation period ends

Goods or services whose price depends on financial market fluctuations

Goods made to customer's specification

Goods which cannot easily be returned (e.g. electricity) or which will deteriorate quickly (e.g. flowers)

Sealed audio or video recordings or computer software which they have subsequently opened

Betting, gaming or lottery services

The new Regulations do not apply to financial services or auctions.

Data Protection Act

If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. An enquiry will be made with Credit Reference Agencies, who will record it so that it can be viewed by other Agency users. Your information will also be checked with fraud prevention agencies and if fraud is suspected Creditplus ("we" or "us") will record this and those details will be shared with other subscribing organisations. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

Disclose information about your joint applicant and anyone referred to by you

Authorise us to search, link or record information at credit reference agencies about you and anyone referred to by you.

You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. If you apply for insurance your information will be passed to the administrators and the insurers for underwriting, If you do not want your details to be used for marketing please write to Creditplus Dialstat House 48 Willis Way Poole BH15 3TB. Under the terms of the act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.