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Terms & Conditions

Last updated: 08/02/2025

Welcome to Compare Car Finance (“we,” “us,” or “our”). We provide a car finance comparison service, helping users find potential finance options. We are not a lender or broker; instead, we introduce you to third-party brokers who may offer car finance deals.

By using our website, you agree to these Terms & Conditions. If you don't agree, don't use our service.

1. Who We Are

Compare Car Finance is a trading name of [Your Company Name], registered in England & Wales under company number [Company Number]. We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number [FCA Number].

2. How Our Service Works

  • We provide a free car finance comparison service.
  • You submit your details, and we pass them to a third-party broker.
  • They assess your eligibility and may offer finance options.
  • Any agreement is strictly between you and the broker/lender.

3. Our Role & Responsibilities

  • We do not provide financial advice or make lending decisions.
  • We cannot guarantee loan approval, rates, or terms.
  • We do not charge you for using our service.

4. Your Responsibilities

  • Provide accurate and honest information.
  • Ensure you understand the broker's terms before entering any agreement.
  • Make sure you can afford repayments before committing.

5. Fees & Commission

We may receive a commission from the third-party broker when you take out a finance agreement. This does not affect the cost of your loan.

6. Third-Party Brokers & Lenders

  • Once we pass your details to a broker, they become responsible for handling your application.
  • They will provide their own terms, privacy policy, and FCA-regulated services.
  • We are not responsible for any agreements or issues between you and them.

7. Credit Checks

The broker may carry out credit checks to assess your eligibility. This could be a soft or hard search, which may impact your credit score.

8. Privacy & Data Protection

We process your data in line with our Privacy Policy. By using our service, you consent to us sharing your details with our partner broker.

9. Limitations of Liability

We do not accept liability for financial loss, damage, or agreements made through third parties. We are not responsible for the accuracy of finance offers provided by brokers.

10. Complaints

If you have a complaint, please contact us at [Your Contact Details]. If unresolved, you may escalate it to the Financial Ombudsman Service (FOS).

11. Changes to These Terms

We may update these Terms at any time. Continued use of our service means you accept the latest version.

12. Governing Law

These Terms are governed by the laws of England & Wales.

By using Compare Car Finance, you confirm you have read and understood these Terms & Conditions.