Dealerplus - The Finance Solution All Dealers Should Have

By Jack Clarke | Thursday, January 19, 2017

According to Trevor Mather, Chief Executive of Auto Trader, it is predicted that the greatest threat to dealers in 2017 is likely to come from direct sales by manufacturers. Mather believes that; “Cutting the dealer out of the equation to such an extent would reduce their requirement to advertise and would surely impact us. That is the worst case scenario.” Dealerplus launched in 2009 and was formed with the intention to provide a unique experience to car dealers, saving them time, effort, and money. With a number of tools created for...

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Independents become online finance growth area

By Jack Clarke | Monday, January 16, 2017

According to recent studies, independent dealers have the potential to become the growth area for online motor finance in 2017. Research carried out by iVendi has discovered that around 65% of the top 200 dealer groups in the UK had their own motor finance solutions in place, with about 30% being independent dealers. This may come as a surprise, as independent dealers tend to function in the shadow of larger franchised groups. As expected, the franchise groups often have newer technology and resources at their disposal, allowing them ...

However, despite the increased interest and growth of independent dealerships and their online vehicle finance services, are they always the best route for customers to take? One limitation of independent dealerships providing consumers with their own online car finance options is that the customer may not necessarily be getting the best deal. When independent dealerships provide their own finance solutions, customers do not have the option to shop around, or seek the best finance deal from the dealership. Companies such as Creditplus...

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The rise of the internet and its positive impact on online businesses

By Emma Sutherland | Friday, November 25, 2016

In a constantly changing buying market, the internet has made the biggest impact on consumers’ purchasing habits over the last decade. For a business such as Creditplus, the increased use of the internet by consumers searching for both cars and suitable finance products has seen their place in the used car market become firmly cemented in the 12 years that they have been in operation. A recent report has shown that almost half of the UK’s car dealers recognise that a large proportion of their own successes has come from the internet, ...

As well as their relationship with dealers, Creditplus have dedicated time and effort into making the car finance buying journey for their customers as simple and less time consuming as possible. One piece of in-house innovation they have developed and built is their Car Finance Calculator. The tool allows customers to work out the best loan available to them, based on their budget, as well as what their monthly repayments will be. This level of empowerment means that customers have a better understanding of what they will be likely t...

Aside from the tools designed to make the finance part of the journey as transparent as possible, the internet has also allowed consumers to increase their knowledge about the car they want. While the internet is awash with car buying websites, Creditplus’s own car search function is a ‘one stop shop’ for finding out specific details about each of the cars they are able to source. The level of detailing available means that customers can locate their perfect car as well as being aware of the costs involved. Creditplus’s dedication to ...

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Three quarters of new car customers do not wait for new registration plates

By Jack Clarke | Thursday, November 24, 2016

Recently obtained data suggests that three out of four consumers do not see the point in waiting for new registration plates when looking to purchase a new car. The results indicate that the periodic increases in new car registration activity in the months of March and September is a result of fleet, manufacturer and dealer action.

These two months are consistently responsible for around a third of the total of new cars registered each year. However, approximately 77% of the 1,000 new car buyers who were surveyed claimed that they were not willing to delay their purchase simply to have the latest number plate available. Furthermore, the remaining new car buyers stated that their decision to wait for the new registration plate was due to practical reasons, and not because of image related purposes.

These figures clearly represent a separation between new car registration activity and patterns of demand seen in the market. In the case of the used car market, Creditplus, the UK’s leading online car finance provider, have seen a similar uplift in the interest of consumers looking to purchase a used car. With a 29% increase in applications between January to October this year, this is a significant increase in new customers who wish to opt for a slightly older model of car, instead of something brand new and potentially beyond their...

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FCA regulations: The importance of them to you and your customers

By Jack Clarke | Wednesday, November 23, 2016

In April 2014, the Financial Conduct Authority (FCA) took control of the regulation of consumer credit in the UK. This resulted in around 50,000 businesses offering consumer credit in the UK finding themselves under the authority of the FCA’s consumer protection rules and regulations.

Creditplus, one of the UK’s leading ethical car finance providers, puts the well-being of their customers at the forefront of their business activities. One of Creditplus’s core values is the protection of their customers. Their Customer Advisor team are always on hand to assist people on their financial journey, dedicating their time to educating customers on where they stand and the appropriate action to take. Furthermore, Creditplus will not provide loans to an individual who cannot afford to pay them back, cementing their firm eth...

During the two and a half years since the FCA became the primary regulator of consumer credit, a landmark achievement would be the authorisation of more than 30,000 consumer credit firms. The FCA has also managed to oversee the actions of payday loan and debt management sectors. As a result of the FCA’s presence in the industry, millions of pounds of redress to customers has been paid in the last two and a half years. Furthermore, the closure of a substantial amount of businesses has occurred due to not complying with the requirements...

However, the motor sector appears to have continued with its regular functions, without being majorly affected by the influence of the FCA. This is primarily due to credit broking being viewed as significantly lower risk than payday lending and debt management. What’s more, it has been recognised that motor dealers have an understanding of the importance of providing their customers with a high standard of service if they wish to grow within the market. The vast majority of businesses in the retail motor sector provide consumers with...

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Consistently high need for used cars is positive news for the UK car industry

By Emma Sutherland | Monday, November 21, 2016

A recent report has shown that the need for used cars is consistently high, despite a potential rise in inflation and apprehension around residual values.

This is encouraging news for the UK car industry in the latter part of 2016. The period between January to June this year saw used car sales increase by 7.9%, reflecting a figure close to 4.2 million used vehicles which is an industry high since records began. This news is also reassuring for car finance providers such as Creditplus who, as the UK’s principal online car finance provider, have witnessed their application rate increase in the first nine months of the year by a notable 29%. The continuing positive momentum has been partl...

One reason that Creditplus believe may be a factor is that consumer’s currently have slightly more expendable income to play with, following the continued low Bank of England base rate. This, coupled with a desire to place funds into a newer car rather than into a savings account, is assisting Creditplus in maintaining their success in a growing and competitive car finance market. The resilience of car finance providers, dealers and consumers in the current financial climate - and continued uncertainty around June’s EU referendum deci...

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Electric Vehicles: The new go-to company car?

By Emma Sutherland | Friday, November 18, 2016

New research into the ownership of electric vehicles (EVs) has revealed that approximately 700,000 UK drivers would choose one if they were offered as a company car by their employer. This figure is significant, given that only a quarter of UK businesses currently have EVs as an option for their employers to choose as their company car.

The number of electric vehicles that have been registered up to and including October of this year exceeded 30,000, with just under three quarters of them being selected by UK businesses for their employees. According to statistical data from the government, close to 1 million fleet cars are registered to UK companies. This information serves as a note to UK businesses that electric vehicles have the potential for increased growth.

It is hoped that these statistics will go some way in bringing more and more UK businesses in line with the increased global focus on creating a sustainable future. While EVs have potential to corner the market as the company vehicle of choice, their offering comes with positive and negative impacts. As a relatively new innovation, the initial cost to UK companies in purchasing or leasing electric vehicles will be potentially higher than what is currently budgeted for. The positives from this however are that zero emissions will ultim...

As the UK’s leading online car finance provider, Creditplus have recognised both consumers’ interests and needs for EVs, and the requirement for additional sustainable alternatives. Because of this, they offer a select range of electric vehicles to those who desire the current innovative technology that these vehicles provide. Just two of the cars that Creditplus currently offer include the BMW i3 and the Nissan Leaf, both of which are available as Personal Contract Purchase, Hire Purchase or Lease Purchase finance options.

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PCP finance agreements: The importance of customer understanding

By Jack Clarke | Wednesday, November 16, 2016

A recent survey has found that 37% of 4,000 motorists replaced their cars far more often than they would have done a decade ago, citing attractive finance deals as a strong motivating factor.

However, it is thought that customers are committing to finance agreements - particularly PCP agreements - that are unsuitable to their individual needs in the long run due to the aggressive nature of some finance providers. In an increasingly competitive finance market, it is this aggressive stance that is seeing a greater number of customers entering into a PCP agreement where the ‘balloon’ payment is set too high. This in turn leaves customers with balloon payments that are higher than the cars actual value, which leaves them open ...

As the UK’s leading online finance provider, Creditplus ensure their ethical lending approach is always adhered to, and one step they take to protect consumers from such cases, is having Guaranteed Future Value (GFV) set in place. GFV describes the cost on which a balloon payment is based on for a PCP agreement, and is something which Creditplus ensure each of their PCP customers are educated on when they take out their finance agreement. The GFV is calculated using the predicted residual value of a vehicle, which in turn is calculate...

It is important that customers consider the Guaranteed Future Value when entering a PCP contract, as this will be the figure they are required to pay as a balloon payment when the contract comes to an end if they choose to take ownership of the car. It is also a critical part of Creditplus’s relationship with their customers that they understand what the PCP agreement entails for the duration of the term they are committing to, including being fully aware of the end costs of their vehicle and whether they can realistically pay them.

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Competition between online car finance providers and dealers set to increase

By Jack Clarke | Friday, November 11, 2016

It is predicted that dealers across the UK will face increased competition from online car finance providers in 2017. As consumers grow in online confidence, and continue to shop around to obtain the best deals for their needs and circumstances, the competition for dealers is set to rise. With online car finance providers, such as Creditplus, experiencing an increase of 29% in online applications this year, the threat to dealers is a realistic one.

Creditplus are one of the UK’s leading online car finance providers, and part of their success is attributed to the range of tools they offer to aid consumers with their car finance buying journey. One such tool is their Multi-Calculator, which allows customers to compare the monthly payments of various cars and view the details of each as a side by side comparison. Furthermore, customers will be able to determine the difference in potential monthly payments dependent on their credit scores. This innovative tool allows customers to si...

Although dealerships are set to face this increased competition, it should be something which is embraced and not fought. With competition comes evolution and innovation, allowing for a higher quality experience for consumers, and therefore potentially increasing vehicle sales for dealerships. Being ahead of this trend in online finance within the automotive industry means Creditplus have a strong foothold in the market, and have a solid understanding on what works for the consumer. Their goal is to continuously innovate and reach a w...

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Know Your Customer: Why it is vital to any finance business

By Emma Sutherland | Thursday, November 03, 2016

Any finance company knows that ensuring the correct financial agreement is in place for a customer is paramount to the success of their business. The focus placed on this by Creditplus is something which has assisted in them becoming and retaining the title of the UK’s leading online car finance provider. And alongside this is the company’s additional focal point on assessing each customer before they are provided with the finance they need for the car they want.

The process of assessing customers - known throughout the financial industry as Know Your Customer or KYC - is a mandatory practice in identifying and verifying customers. Used primarily by banks worldwide, it is also a procedure which any reputable company - such as Creditplus - use to assess the eligibility and integrity of potential customers.

The analysis of a customer’s financial history is undertaken initially by Creditplus in the form of a ‘soft’ credit search. As a company dedicated to ensuring that customers get the best finance deal for their circumstances and budget, the ‘snapshot’ taken of a customer’s credit file allows Creditplus to investigate all the relevant details they need to ascertain a customer’s creditworthiness, but without making an imprint on the file. Once the required information is captured, the customer’s loan application is compared with more tha...

Creditplus commit to never conducting a full credit search until the customer agrees to it being carried out. While it is clearly important in terms of KYC to know everything we possibly can about our customers at the point of their initial application, we also stand by our own high levels of integrity. We provide a service to our customers which is constructed of three key elements: honesty, fairness and transparency, and it’s these factors that mean we always do the very best by each of our customers, from receiving their applicatio...

As the original founder of Creditplus, Shaun Armstrong has this to say about KYC and the solid integrity of the business: “Consumers quite rightly expect and demand loan services that identify their needs, offer the correct lender or lenders who will actually underwrite them with transparency and not just be presented with a table of loan results. They then also need a simple and fast document solution that allows them to download and complete their loan agreement. Creditplus in the car loans industry is now working towards helping cu...

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Autonomous vehicles: Who pays for the incidents and accidents?

By Emma Sutherland | Thursday, November 03, 2016

We recently wrote an article on the ever-expanding production and development of autonomous vehicles. While we recognised that they are set to become one of man’s biggest technological advancements, it did prompt us to ask a question: if an autonomous car is involved in an accident, who is ultimately responsible?

Our question is one that we’ve previously considered, but not really looked into. This, however, has changed following the latest headline involving Californian automaker Tesla. The company have been in the headlines - mostly good, some not so good - during the last year with numerous updates and reveals that has almost made company founder Elon Musk become a real-life Tony ‘Iron Man’ Stark figure. The overall thought of owning an autonomous car is exciting; did you think as a child that you’d be living in a time where this would beco...

The dreams and plans of self-driving cars may have started on a Post-It note somewhere, but they, along with how insurance and liability will be affected, have long since been part of the now huge picture of development. In terms of liability, 2015 saw Volvo as being the first manufacturer to announce that they would accept total responsibility for any accidents that their self-driving cars were involved in, with Google also making a similar statement. The claims are to be applauded; huge organisations putting their names into the rin...

Autonomous cars are already here and creating a wave, both within the global automotive industry and the media. This we already know. What we don’t and won’t know just yet is how their evolvement and placement in our lives will ultimately affect the way we drive (or not), or what it may mean for the drivers of future generations. Will theory and driving tests become a thing of the past? How will the car insurance market and the law in general change? We’ve only asked the question around responsibility, but there are many, many more th...

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Increased sales following new FCA rules on GAP insurance

By Emma Sutherland | Wednesday, November 02, 2016

In the 12 months since the FCA introduced new rules on the sale of GAP insurance, product sales have increased and helped consumers to think about quality first, a recent report has found. Originally met with some uncertainty about what the new regulations would mean, the last year has proved to be a successful move and has helped to allay the concerns of car finance providers and car dealers across the UK.

The new rules that the Financial Conduct Authority (FCA) put in place meant that dealer processes were in some cases required to adjust, so that each dealer would be uniform across the board in the way they sell GAP (Guaranteed Asset Protection) to consumers. With training and useful materials to assist dealers in what would be required of them, analysis of the now implemented changes and how they have impacted the UK automotive industry shows that while the entire industry is still adjusting, GAP sales are on the rise. This is someth...

GAP insurance works by covering the shortfall between the remaining finance on a vehicle and the amount that the insurance company claim your vehicle to be worth if your car is stolen or written off. It is available for new and used vehicles that are purchased with a car finance product.

Prior to the new FCA rules, consumers would have received different experiences of the sale of their GAP insurance. With the rules being applicable to each car finance and car provider, consumers now receive the same service. The increase seen by Creditplus falls in with the report’s findings that consumers are becoming more influenced about quality rather than price. Speaking about the new GAP regulations and the increase within Creditplus, Shaun Armstrong, Creditplus’s Managing Director, commented: “These new guidelines stop GAP ins...

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Car buying decisions unaffected despite Brexit

By Jack Clarke | Tuesday, November 01, 2016

A recent survey of more than 320 consumers found that approximately 70% were unaffected in their car buying decision following the result of the summer’s EU referendum vote. It was also reported that approximately 73% of the survey respondents had not changed their mind on when they were planning to purchase their vehicle. These impressive statistics are contributors to increased consumer confidence in the UK car market, and have assisted in creating strong post-Brexit stability, something which is welcomed by both the overall automot...

Similarly, of those surveyed, 76% stated that the ‘Leave’ vote had not changed the way they planned to finance their car. This data can be supported by Creditplus, whose 29% increase in online car finance applications so far this year is attributed in part to the Brexit result. Like other car finance providers, Creditplus were braced for the impact that the EU referendum might have bought; it appears however that the car industry market has not suffered any detrimental effect in the four months following the vote.

As consumers become increasingly more knowledgeable when it comes to spending their money and finding the best deals, it is important that car finance providers such as Creditplus create the best finance packages for their customers. As the UK’s leading ethical car finance provider, Creditplus pride themselves on putting the well-being of their customers first, dedicating their time to finding the best car and finance deal for the customer. Their ethical lending policies mean they will only provide affordable car finance loans, throug...

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‘Soft’ credit search puts Creditplus ahead of the curve

By Jack Clarke | Friday, October 28, 2016

As consumers increasingly choose to ‘shop around’ on the internet, there is a growing concern that this is affecting consumers’ credit scores when applying for credit. This has resulted in a demand for companies to develop new methods. Ahead of the trend though is Creditplus, the UK’s leading car finance provider, who already perform a ‘Soft’ credit search when new customers first apply for car finance and have done for more than five years.

Creditplus pride themselves on being highly credited ethical finance providers in an extremely competitive market. However, unlike other major car finance providers, Creditplus do not perform a full credit search until the customer can successfully apply and is assessed at a detailed level prior to being sent to the lender offering best probability of acceptance and terms.  This process avoids leaving a ‘footprint’ on the customer’s credit file, as having previous recorded applications can lower their credit rating (making an applican...

As consumers grow increasingly mobile and able to take full advantage of the internet, the need for new technology and tools in the online car finance industry is high. This gives Creditplus a competitive advantage as it allows customers to shop around when looking for the best deals. The soft credit search process also proves extremely popular with customers, with a reported 9/10 customers recommending Creditplus to a friend. Not only do customers get to take advantage of the soft credit search tool at Creditplus, but they also recei...

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UK commute congestion: How much time are we losing and why?

By Jack Clarke | Thursday, October 27, 2016

Congestion in the UK has risen by 40% during the last four years, according to investigations. And as a result, drivers commuting around cities in Britain are spending an increased amount of time sat in traffic. The study by leading traffic intelligence provider Inrix indicate that London is in fact the worst place in terms of time spent queueing in rush hour, with drivers spending more than 100 hours stuck in traffic each year. This is the equivalent of Londoners spending as much as 12 whole working days a year sat in rush hour traff...

This alarming figure is thought to be down to the fact that there has been a significant rise in the amount of vans on the roads delivering goods as more and more people shop on the internet. So although you are saving yourself the journey of picking up your food shop from Tesco, you could be inadvertently adding time to the morning commute. Another possible cause could be the growth of companies like Uber, which allows people to privately hire mini-cabs at their convenience. According to research by private hire company Addison Lee, ...

Concern for the UK’s economy over increased congestion has been voiced before by Inrix, who claimed in a 2014 report that between 2013 and 2030, the cost of congestion to the UK economy could amount to an extraordinary £307 billion. This staggering cost is thought to be due to the value of fuel and the amount being wasted and higher freight costs due to company vehicles being stuck in traffic. The report also suggested that an increase in the UK’s population between 2013 and 2030 will be the main cause of increased congestion, as more...

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Electric vehicles up the pace over hybrids

By Jack Carke | Thursday, October 27, 2016

Recently obtained data has suggested that in the coming years, the enhanced development and use of electric vehicles (EVs) will supersede that of hybrid vehicles. As technology continues to advance at speed - as well as an increased awareness of finite natural resources available to feed the endless needs of human activity - sustainable alternatives and innovation advancements in the automotive industry have never been more important. Creditplus, one of the leading providers of car finance in the UK, recognises this need for more sust...

One major technological advancement in terms of sustainable living is the electric vehicle. Running on battery power, and without the guzzling thirst for fuel, electric cars appear to be the future of the automotive world. EVs are becoming increasingly popular within the consumer market which, according to the recently released data, is thought to be at the expense of the hybrid. According to Rupert Pontin, Director of Valuations at Glass’s, hybrid cars have 'outlived their usefulness'. Pontin argues that hybrids were originally desig...

This statement was made after EV’s such as the BMW i3 - just one EV available from Creditplus - extended their mile range, allowing drivers to travel further after charging their vehicles, meaning less complications when planning longer journeys. This advancement could spell the end for hybrid vehicles, who are viewed by many as being more complex than diesel and with fewer additional benefits. With Creditplus being able to source and supply EVs to their customers, the company’s proud ethical stance is of benefit to both the customer ...

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Autonomous vehicles: Will traditional driving become obsolete?

By Andy Smith | Wednesday, October 26, 2016

Looking back to this century and the one prior, with all its technological advancements, there may be one archaic practice that will seem barely believable to future generations. Did they actually drive their cars themselves? OMG! (or whatever its future cultural acronym happens to be).

Some time ago we covered the burgeoning autonomous technology. But three years on, more and more real world driving aids are beginning to bubble through from the concepts and development labs of the major car manufacturers. The result? A future, it seems, where we don’t actually control the car ourselves. Instead we will be ferried from A to B by our chosen vehicle without so much as a turn of the wheel. And this could be happening sooner than we think. Currently, driving aids are appearing at an ever-expanding rate. Features such as ...

Now these features are meant to assist the driver, and potentially save lives, which is an incredible advance. However, it’s likely that the next generation of high tech cars are set to remove any interaction between the driver and their car. It’s handy for those who want to catch up on emails and close deals during the bustling morning commute, or for those who have a car full of highly charged, bored children who could now hog all of mum’s attention, whilst the car itself keeps a safe eye on the road. But what about those of us who ...

In summary, there are still no truly autonomous cars available on the market in late 2016. And without the sufficient legislation for their use, the clarification on liability for insurance claims (who’s actually liable if you’re in an accident?) or widespread testing alongside non-autonomous traffic, we may have to wait a little while longer until we see them. But make no mistake, driver-less cars are coming thanks to ever evolving technological advancements from car makers such as Volvo. And it seems that what you once saw in your f...

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Keep on moving: Why logistics teams are essential to the UK car industry

By Jack Clarke | Tuesday, October 25, 2016

The work carried out by the UK car industry’s logistics teams is something which requires more publicising, according to a recent finding. Reported as being the ‘ghosts of the motor industry’, it is also recognised that without them, the millions of units they are responsible for moving each year would all but freeze. As with any successful online business, there are always a number of teams that collaborate to provide a first-class service to their customers; something which Creditplus know a lot about.

As the UK’s leading online car finance provider, Creditplus recognised early on that being able to provide a full and first-class service was essential to exceeding customers’ expectations. With this being one of their main focuses, two key elements were added to their service offerings: a dedicated logistics team - providing an essential link between the customer and their desired car - and their Find, Fund & Deliver ‘armchair service’ through their network of dealers. The Find, Fund & Deliver service takes the hard work of f...

The ease of service which Creditplus offers is in part what is attributed to their 29% increase in applications so far this year. As a company who promises to do their very best in saving their customers time, effort and money, being able to provide the ideal car is part of the whole package. With almost 2,000 cars being supplied to customers nationwide within the last 12 months, the work performed by the Creditplus Logistics team – and that of their Customer Advisors - is integral to the company’s overall operational structure. Speak...

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Creditplus celebrate 4% increase in excellent customer service reviews

By Jack Clarke | Monday, October 24, 2016

Recent research into consumer buying behaviour has shown that customer reviews significantly influence purchasing decisions. This research has been proved correct by Creditplus, as they have seen a 4% increase in their five star reviews through the highly credited review platform, Trustpilot. With a Trustpilot score of 9.2 out of 10 (Excellent), it’s clear that Creditplus is dedicated to providing a high standard of customer service and satisfaction, as well as promoting honesty and transparency to potential customers. Creditplus’s 4%...

The importance of embracing transparency and developing trust between themselves and their customers is something which Crediplus fully understands. Every customer is asked to leave a review after their individual finance journey has been completed, and Creditplus pride themselves on responding to all reviews. As well as Trustpilot, customers are also encouraged to leave reviews of their experience on Creditplus’s social channels, particularly Facebook and Google+. Providing several platforms further enhances the dedicated and persona...

Reviewing products or services is now common practice amongst consumers, and the UK’s common stance on congratulating or complaining about the service they receive has shifted over time due to an increasing number of online platforms made available to them. Creditplus has recognised that this process is no different when customers are looking to purchase a car or a car finance deal. For this reason, Creditplus know that a high standard of customer service and care is vital throughout their car finance buying journey. When a potential ...

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BMW Australia Finance’s irresponsible lending activities uncovered

By Jack Clarke | Friday, October 21, 2016

BMW Australia Finance has recently come under fire following exposure of irresponsible lending to customers. A report disclosed that the company had been lending money to customers who had a zero, and sometimes negative, disposable income. One specific case revealed that BMW Finance Australia provided a loan of $27,000 (£15, 800) to a single mother of 10 children who had no expendable income. This credit licence breach resulted in the company’s finance division being handed a substantial fine of $697,000 (£409,000).

Unethical practices such as those displayed by BMW Australia Finance goes completely against the solid ethical lending policies that Creditplus have in place. As the UK’s leading car finance provider, and regulated by several trade bodies and associations, Creditplus strive to build the correct car finance deal for each of their customers, providing them with a fair financial service as well as ensuring financial protection. Creditplus’s ethical ethos is reflected by two key elements of providing finance; soft credit searches and affo...

Treating customers fairly is also an integral part of Creditplus’s business activity, and being regulated by the Financial Conduct Authority (FCA) cements their ethical practices. Furthermore, Creditplus provides a 14 Day Customer Promise, so if a customer is faced with a product that does not match its description, they have 14 days to return it. Creditplus’s integrity, transparency and their concern for customers’ well-being means that the best finance deals are given to the individual, and they will not be given a loan that they ar...

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