Who we are
Switch-Cars Limited (“we”, “us”) acts as a credit broker and not a lender.
Authorised and regulated by the Financial Conduct Authority (FCA). FRN: [Insert your FRN].
We can introduce you to a limited number of lenders and/or other credit brokers.
The service we provide
- We will assess your needs and present finance options from our panel where available.
- We do not provide independent financial advice.
- Any credit application is subject to status, affordability checks and lender criteria.
- The finance product you choose may impact the overall cost of borrowing.
Our panel of lenders
We work with a limited panel of lenders/credit brokers. Details of lenders we most commonly use are available on request.
We are not tied to a single lender.
How we are paid (commission)
We may receive a commission for introducing you to a lender/broker. The amount or nature of this commission may vary by lender, product, or term.
You can ask us for the amount of commission we will receive for your transaction at any time before you enter into a credit agreement.
Costs and fees
We do not charge you a fee for our credit-broking services. You will be informed in writing if this changes.
Affordability & your responsibilities
It’s important that you consider whether you can afford the monthly repayments for the full duration of the agreement. Missed or late payments may affect your credit rating and could make future borrowing more difficult.
Vulnerable customers
If you need extra support due to personal circumstances, please tell us. We will make reasonable adjustments to help you engage with our services fairly.
Complaints & Ombudsman
If you are dissatisfied, please see our Complaints Procedure. If we cannot resolve your complaint, you may be able to refer it to the Financial Ombudsman Service.
Data protection
We process personal data in line with our Privacy Policy. We are registered with the Information Commissioner’s Office (ICO). ICO Registration No.: [Insert your ICO number].