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FINANCE YOUR CAR WITH ASSURED CARS SCOTLAND

Frequently Asked Questions

Assured Cars Scotland can now provide you with finance to spread the cost of your vehicle purchase. Here are some questions you might have when considering your purchase.
Who are we?
Assured Cars Scotland, a dealership acting as a credit broker in arranging finance for vehicle transactions.
Are we authorised to arrange finance for you?
Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 978158. For more information, please visit the FCA website at: https://register.fca.org.uk/. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.
What can we do to help finance your vehicle?
We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies (“funders”) who may be able to finance your transaction. There are other funders to which we cannot introduce you which may also be able to offer you finance. We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you. Can we give you independent financial advice? We are not independent financial advisers and so are unable to provide you with independent financial advice.
Do you have to pay for our service?
No, you make no payment to us But a funder or broker we work with may pay us for introducing you to them. Different funders/brokers may pay us different amounts. We will tell you how much we will be paid if you ask.
Please note; we charge all third party lenders an admin fee of £350 inclusive of VAT.
How will we use your information?
We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment.
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FINANCIAL DISCLOSURE
Assured Cars Scotland is registered in England and Wales. Assured Cars Scotland is authorised and regulated by the Financial Conduct Authority, under FCA number: 978158. We act as a credit broker not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 year or over. We are only able to offer finance products from these providers.

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Representative Example [HP]

An OTR Cash Price of £3,995.00 with a deposit of £399.50 leaving an amount of credit of £3,595.50. The agreement is resulting a Representative 13.9% APR and a total amount payable of £4,699.74. Payments are based on a duration of agreement of 33 months, with a first monthly payment of £ 131.28, regular monthly payment of £130.28 and a final monthly payment of £130.28.

Contact Details

Old Filling Station
101 Eldrick Avenue
Fauldhouse
West Lothain
EH47 9BE Fauldhouse 01501493544 Edinburgh 07378955461

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