Car Loan Terms & Conditions

 1. Acceptance of Terms

1.1 The website www.creditplus.co.uk (“the Site”) is a site operated by Whichdeal Limited, trading as ‘Creditplus’ ("We, Us, Creditplus"). We are registered in The United Kingdom under company number 04997789 and our registered office address is Waterloo House, Fleets Corner, Nuffield Road, Poole, Dorset, BH17 0HL, UK. We are a limited company.

1.2 We are governed by UK and EU laws.

1.3 Please make sure you have read these Terms & Conditions carefully, they protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site and by accessing and continuing to use this Site you agree to be bound by and act in accordance with these Terms & Conditions.

1.4 Your privacy is very important to us and we process all information about you in accordance with our Privacy Policy and Cookies Policy. By using the Site you confirm that you have read and agreed to our Privacy Policy and Cookies Policy.

1.5 We may amend these Terms & Conditions at any time without prior notice. You are expected to check these Terms & Conditions from time to time and your continued use of the Site will mean that you accept any amendments to the Terms & Conditions.

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

1.7 To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstance.

2. Website

2.1 The Site is a medium for providing information and access to products and services of third parties related to cars including new and used car loans.

2.2 We do our utmost to ensure that the information on the Site is accurate, reliable and helpful. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by Creditplus. Users are advised to consult with Creditplus and to check any product or service information for specific information.

2.3 All vehicle descriptions are supplied by dealers, and therefore Creditplus shall not be held responsible for any related errors or emissions on pricing or vehicle description. 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.

2.4 Any loan or other product or service which you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.

2.5 The 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.

3. Your use of the website

3.1 By accessing Creditplus web pages, you agree that you will access the contents solely for your own private use and not for any commercial or public 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.

3.2 You must not under any circumstances attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not seek to undermine the security of the site in any way. In particular, but without limitation, you must not attempt to alter or delete any information that you are not authorised to access , attack our site via a denial-of-service attack or a distributed denial-of service attack. By doing so you would commit a criminal offence under the Computer Misuse Act 1990.

4. Disclaimer/Liability

4.1 Neither the 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.

4.2 Any photographs and colours used in the site are for illustrative purposes only and do not form part of any contract.

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

4.4 By using the 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 Site.

4.5 The Site contains links to other websites. When you activate any of these links, you will leave the Site and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience and any such link does not imply endorsement by us of a website or any association with the operators of a website.

4.6 In assessing your car loan application, we will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd. You consent to us disclosing details of your finance application and we may use a 'credit scoring' or other automated process in deciding whether to accept your application. Your information may also be sent to a third party for further loan/insurance option purposes. Loan offers will be valid for 30 days.

5. New and Pre-registered Cars supplied by Creditplus

5.1 All New and Pre-registered cars supplied by Creditplus will be covered by the relevant Manufacturers warranty. Where a vehicle is Pre-registered the balance of manufacturer’s warranty shall apply with no additional warranties being supplied by Creditplus. It is the customer’s responsibility to be fully aware of the parts not covered by the manufacturer’s car warranty (if any). All New & Pre-registered cars are supplied on the basis that the client understands Creditplus will not rectify or compensate for any car repairs outside of the car warranty.

5.2 If a New or Pre-registered car is returned the customer bears the cost of return along with a cancellation fee of 5% of the car value or a minimum of £500, whichever is the greater.

6. Used Cars Supplied by Creditplus

6.1 Cars supplied by Creditplus will be covered by a car warranty for a minimum of 6 months. It is the customer's responsibility to be fully aware of the parts not covered by the car warranty (if any). The car is supplied on the basis that the client understands Creditplus will not rectify or compensate for any car repairs outside of the car warranty.  For further information visit our car warranties explained page

6.2 If a car 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.

6.3 The Creditplus Vehicle Standards Guideline can be found here.

6.4 On delivery of a vehicle supplied by Creditplus you must inspect it and sign for its acceptance. If you allow another individual to do this, it will be taken that they are acting fully on your behalf and that you personally have accepted the vehicle. If you require a test drive of the vehicle, you need to notify the driver who will allow you to do so.

6.5 The customer has a 14 day notice period from delivery, for notification of any mechanical or body defects providing they are not commensurate with the vehicle age and mileage or notified to you before delivery.

6.6 Cancellation after accepting the vehicle will only be allowed provided the goods are deemed faulty and that Creditplus cannot repair such items within 30 days. The cancellation fee does not apply if the vehicle order is cancelled under these terms. Order pricing is valid for 14 days. If you are purchasing the vehicle using finance you need to refer to the lenders terms and conditions. This does not affect your statutory rights as per distance selling rights.

7. Data Protection

7.1 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 Creditplus to search, link or record information at credit reference agencies about you and anyone referred to by you

7.2 You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. By agreeing to the terms and conditions when making your application, you are giving your consent for your information to be used by Creditplus for administrative, underwriting, marketing and revenue purposes. This may include partners or related 3rd parties. This also includes our sister site www.visitcars.co.uk . If you do not want your details to be used for marketing please write to Creditplus, Waterloo House, Fleets Corner, Nuffield Road, Poole, Dorset, BH17 0HL. 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.

8. Additional Fees

8.1 At the request of the customer, Creditplus will disclose to the customer, in good time before a regulated credit agreement or a regulated consumer hire agreement is entered into, the amount (or if the precise amount is not known, the likely amount) of any commission or fee or other remuneration payable to Creditplus by the lender or owner or a third party.

8.2 Creditplus reserve the right to charge an administration fee to cover the cost of sourcing a suitable vehicle or vetting an appropriate dealer. 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.

8.3 If a customer wants payment from a lender within 24 hours of payouts, Creditplus will charge a £25 administration fee.

8.4 As per Road Fund Licence (Road Tax) regulation changes on October 1st 2014, Creditplus are not able to provide any road tax with any vehicle, new or used. It is the responsibility of the customer to contact the DVLA and arrange road tax payment. Creditplus will not be held responsible for any loss incurred by the customer for failure to comply with the new regulations.

8.5 All contacts supplied by Creditplus will be in English.

9. Information about our financial services

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

9.2 The term of any contract we offer will be between 12-60 months. We do not offer contracts for less than 12 months.

9.3 Any offers provided by Creditplus will be valid for 30 days, from the date issued.

9.4 The Supply of Goods & Services Act exists to protect the customers from businesses that operate without reasonable care and skill. All services supplied by Creditplus are governed by the Supply of Goods & Services act. You can find the act with full details here.

9.5 You will be provided with a standardised form with any credit agreement called Standard European Consumer Credit Information (SECCI). This document allows you to see exactly what your finance agreement contains. For more information visit our car finance glossary, SECCI explained page

9.6 If you have a complaint then we have full details of the complaints procedure available on our complaints page.

9.7 If 8 weeks has passed since making your complaint and you are still not happy then you may contact the Financial Ombudsman Service (FOS). Details on FOS and how to contact them can be found here.

9.8 Quotes generated by the 'Build your finance quote' form are powered by the vehicle and finance settings chosen by the user. All the quotes are based on prime interest rates, and are subject to change. In addition the quotes do not take into account any customer information or circumstances which can affect an individuals chance of getting finance for a vehicle. The figures provided by this form are quotes and do not represent an acceptance for a loan of any kind. As the quotes are subject to a user’s personal circumstances and lender requirements, full confirmation on the price to be paid (including all related lender fees) will be detailed in the lenders customer documentation pack.

10. Cancellation Policy

10.1. The customer has 14 days from the date of funding to cancel the agreement with no penalty.

10.2 If the car is delivered the customer has 14 days from the day of delivery to cancel without penalty under the Distance Selling Act. However the vehicle supplier has the right to claim reasonable compensation for any true costs incurred.

Privacy Policy

This is the web site of Whichdeal Limited, trading as Creditplus. Our postal address is: Creditplus, Waterloo House, Fleets Corner, Nuffield Road, Poole, Dorset, BH17 0HL. Our telephone number is 0800 1777 290 on a landline or 0333 6000 290 for mobiles.

Our web server automatically recognises each visitor to our website and does not record information regarding the domain or e-mail address. We collect the e-mail addresses of those who communicate with us via e-mail or by submitting an application, aggregate information on what pages consumers’ access or visit, user-specific information on what pages are visited, and information volunteered by the consumer e.g. survey information or site registrations.

Any information we collect is used to improve the websites content and/or layout, and to inform visitors of offers and promotions associated with the Creditplus and Visitcars brand. If you have signed up via email or SMS to receive blog content or a report from our website, we will not pass your details to third parties.
Due to the nature of our comparison business, your details will be shared with third parties on applying for finance with Creditplus, as per our terms and conditions.     

We use cookies to record visitor activity and improve our service to our customers. This information is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. You can disable cookies from within your browser. From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our website to notify you of these changes and you can opt out of these new uses by contacting us.

If you feel that this site is not following its stated information policy, you may contact us directly.

Got a question for us?

If you require further assistance, our team of Customer Advisors are here to help. We're open six days a week - you can view our opening hours here - and we're more than happy to answer your questions.