1.1 We are CarFinance247 Limited ("we", "our", "us", "CarFinance 247"), a private limited company registered in England and Wales under company number 6035525 and have our registered office at Universal Square, Devonshire Street North, Manchester M12 6JH.
1.2 The CarFinance 247 website located at www.carfinance247.co.uk ("Website") is a medium for providing information and access to finance options including new and used car loans, which are available through third party Lenders and products and services of third parties relating to such vehicles.
1.3 On completion by you of a Finance Application on the Website (or otherwise), you are deemed to have accepted these T&Cs.
1.4 Where such Finance Application is submitted through the Website you are consenting to us providing you with access to MyCarFinance247, for which you will be required to create a log in to proceed.
1.5 MyCarFinance247 lists vehicles for sale by third party dealerships and other sellers ("Sellers") and your access to and use of MyCarFinance247 will be as described in separate legal terms, available at: MyCarFinance247 Terms of Use.
1.6 These T&Cs apply:
1.7 CarFinance 247 may communicate with you through MyCarFinance247, telephone, text messaging, email, WhatsApp and other methods of communication to provide information to you about your Finance Application and where applicable our Ancillary Products.
2.1 We will protect and process all personal information supplied by you as part of the application process in accordance with the terms of our Privacy Policy and for further details of the personal information we collect from you and how we use it, please review our Privacy Policy.
2.2 You are solely responsible for any information submitted by you to the Website (or otherwise) and you confirm that all data provided by you is complete, accurate, up-to date and not misleading or likely to deceive and you must update your account promptly with any changes to such details.
2.3 In the event your Finance Application relates to refinancing or equity release of your existing car, you must:
2.4 Finance products are not provided by CarFinance 247 directly, but instead we act as a broker and will refer you to an appropriate lender based on the information submitted by you (via the Finance Application). The lender will then review and consider your Finance Application.
2.5 Any such approval or refusal relating to your Finance Application will be decided by the lender only and we have no input in any Finance Application outcome or liability in relation to any failure to obtain finance or where any Finance Application is not approved.
2.6 You understand that upon submitting a Finance Application, the lender may require further information from you and if the lender has any concerns, or discovers any discrepancies in the information or documentation you provide to us through the Finance Application or otherwise, the lender may request additional information, change the lending amount initially quoted or ultimately decline the request for finance if not fully satisfied and we have no liability to you in respect of this.
3.1 Where you, through MyCarFinance247 or any other way facilitated by CarFinance 247, successfully obtain finance or refinance from a lender; we are entitled to receive commission or charge fees from that lender, third party or Seller (as applicable).
4.1 Upon gaining access to MyCarFinance247 or upon completion of a Finance Application, various Ancillary Products may be presented to you (detailing the main characteristics and the relevant pricing) through MyCarFinance247 or by us directly contacting you.
4.2 In the event you wish to purchase an Ancillary Product directly from CarFinance 247, additional Special Terms will be provided to you for your consideration.
4.3 You may change your mind and cancel such purchase of Ancillary Products within 14 days of: (i) the date you purchased the Ancillary Product; or (ii) delivery of the Ancillary Product, as applicable, by contacting our Customer Service Team.
4.4 We will refund you, where possible by the method you used for payment, as soon as reasonably possible and within 14 days of our written confirmation to you that such refund request is accepted by CarFinance 247. We won't charge a fee for the refund.
4.5 CarFinance 247 reserves the right to reject any orders for the Ancillary Products, at its discretion and if this happens, we will let you know as soon as possible and refund any sums you have paid.
4.6 CarFinance 247 will charge you the relevant amount for the applicable Ancillary Product in line with the charges and payment mechanism agreed with you during the order process and as described in the relevant Special Terms.
4.7 We can always change an Ancillary Product:
4.8 We can also make other types of changes to the Ancillary Products or these T&Cs, but if we do so we'll notify you by email and if you're unhappy with such changes you can then contact our Customer Service Team to end the contract, before the change takes effect. You will receive a refund for any Ancillary Products you've paid for in advance, but not received (where applicable).
4.9 We can stop providing an Ancillary Product and will let you know at least 14 days in advance and we will refund any sums you've paid in advance for such Ancillary Product which won't be provided.
5.1 Subject to paragraphs 5.2 and 5.3 below, we will not be responsible or liable to you:
5.2 There are certain liabilities which we cannot exclude by law and nothing in these T&Cs excludes or limits our liability for the following:
5.3 If we are found to be liable, our total liability in respect of all claims made against us in connection with these Terms (other than those mentioned in paragraph 5.2) shall be limited to £500.
6.1 If you have any complaints or wish to request further information, please contact us using the Contact Us page or by telephone on 0161 850 4939; or by post to Universal Square, Devonshire Street North, Manchester M12 6JH and we will do our best to resolve such complaints.
6.2 Any complaints in relation to vehicles which you have financed through us will be fully investigated. Any resolution to these complaints will consider your actions in maintaining the vehicle in good working condition and in line with manufacturer's specifications and consider any fair usage of the vehicle.
6.3 Your feedback and suggestions are always gratefully received by us however you understand that we may use these without any obligation to compensate you for them and you are, of course, under no obligation to us to provide them.
6.4 In the event that a dispute cannot be resolved via the complaints process referred to above, you can choose to refer such complaint to the Financial Ombudsman Service and or go to court. Further information on how to refer your complaint to the Financial Ombudsman Service can be found in our Complaint Procedure policy.
6.5 These T&Cs are governed by the laws of England and Wales and are subject to the exclusive jurisdiction of the English Courts.
7.1 Nothing in these T&Cs will affect or limit your statutory rights as a consumer.
7.2 Nobody else has any rights under this contract. This contract is between you and us. Nobody else can enforce it and neither of us will need to ask anybody else to sign-off on ending or changing it.
7.3 If a court invalidates some of this contract, the rest of it will still apply. If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply.
Last updated: 23rd August 2025
1.1 We are CarFinance247 Limited ("we", "our", "us", "CarFinance 247"), a private limited company registered in England and Wales under company number 6035525 and have our registered office at Universal Square, Devonshire Street North, Manchester M12 6JH.
1.2 www.CarFinance247.co.uk (the "Website") is a medium for providing information and access to you in respect of finance options which are made available by third party lenders.
1.3 On your completion of a finance application on the Website, you will then be prompted to create an account to access MyCarFinance247. MyCarFinance247 is an online platform that lists vehicles for sale by third party dealerships and other sellers ("Seller(s)") together with associated products and services.
1.4 If you access and use MyCarFinance247 you agree to be bound by and act in accordance with these Terms of Use. If you do not agree to these Terms of Use, you are not permitted to use or access MyCarFinance247.
1.5 Please note that the terms set out below are in addition to our Website Terms which will also apply to your use of MyCarFinance247, available at Website Terms of Use, and such Website Terms are hereby incorporated (form part of the same legal agreement between you and us).
1.6 In the event of any conflict between the Website Terms and these Terms of Use in relation to the use of MyCarFinance247, these Terms of Use will prevail (take priority).
2.1 When you register to use MyCarFinance247 you will be asked to create a password. Your password is unique to you and you must keep it confidential and not disclose it to anyone. You are responsible for all activities and enquiries that occur or are submitted through the use of your password. If you know or suspect that someone else knows your password you must notify CarFinance247 immediately by email to info@carfinance247.co.uk or by telephone at 0333 247 1247. We cannot and will not be liable for any loss or damage arising from your failure to comply with these security requirements.
2.2 You may unsubscribe at any time from MyCarFinance247 through the unsubscribe hyperlink available in our account confirmation email or otherwise by accessing https://www.carfinance247.co.uk/contact-us choosing the "data" option and requesting that such access to MyCarFinance247 is removed.
2.3 You understand that MyCarFinance247 facilitates vehicle sales and transactions between you and the Sellers. We are not an auctioneer nor are we acting as an agent of you or the Seller and we have no continuing authority to negotiate, deal with, manage, conduct or conclude any sale or purchase on behalf of you or the Seller. If a transaction does not complete, CarFinance 247 will have no liability to you because of this.
2.4 Commentary and other materials posted on MyCarFinance247 are not intended to amount to advice that you as a buyer should rely on and we are not liable or responsible to you, for any reliance you place on materials presented to you through MyCarFinance247.
2.5 All prices listed on MyCarFinance247 by the Sellers shall be inclusive of VAT.
2.6 Before purchasing any vehicles, products or services we recommend that you confirm all information with the Sellers and make your own enquiries and searches about any vehicle, product or service with the Seller. CarFinance 247 has no liability for the accuracy or completeness of any information provided on MyCarFinance247.
2.7 If you choose to purchase a vehicle through MyCarFinance247, the legal contract for such purchase will be between you and the Seller and not with CarFinance 247 (unless expressly stated otherwise) ("Contract"). In such circumstances, we have no liability to you for any losses that you may incur as a result of purchasing a vehicle, product or service from a third party through MyCarFinance247. Before proceeding with the purchase of a vehicle, product or service you should read the Seller's terms and conditions fully and, where appropriate, take independent legal advice.
2.8 CarFinance 247 does not have possession of anything listed or sold through MyCarFinance247, and is not involved in, and bears no responsibility for, the actual transaction between you and the Sellers and you understand that the Contract is between you and the Seller.
2.9 Please be aware that:
2.10 Whilst we may provide relevant information to you from the Seller from time to time, such information is for information only. We have no control over, and are not in any way responsible for, the existence, quality, safety or legality of the vehicles, products or services listed.
2.11 The responsibility for compliance and enforcement of all obligations under the Contract is between you and the Seller.
2.12 Payment in respect of the other products or services of third parties will be made on the applicable terms and conditions of the relevant third party or Sellers and cannot be made via MyCarFinance247 or the Website (as applicable).
2.13 Should a dispute arise between you and the Seller you should each use your best efforts to resolve that dispute and all complaints and queries with respect to a transaction should be directed to the other party involved. We may (but shall have no obligation to) mediate between the parties to the Contract or to enforce the Contract. However, if you are unable to resolve your dispute with the Seller, please contact us by https://www.carfinance247.co.uk/contact-us.
3.1 From time to time, we may restrict access to some parts of MyCarFinance247, or our entire Website, to users who have registered with us. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use or we believe your user identification has been compromised or otherwise believe there is a security risk presented by use of such user identification. We may also require you to change your password or suspend your MyCarFinance247 account and we will communicate the same to you in writing, using the contact details you have provided.
3.2 If you breach these Terms of Use, or we have a justifiable reason to believe that you have breached these Terms of Use, we may suspend or cancel your registration to MyCarFinance247 immediately at our reasonable discretion.
3.3 You may cancel your registration to MyCarFinance247 at any time by accessing https://www.carfinance247.co.uk/contact-us and requesting that such access to MyCarFinance247 is cancelled and if you do so, you must stop using MyCarFinance247 immediately.
3.4 For the avoidance of doubt, on cancellation of your registration, for any reason, any paragraphs of these Terms of Use, which expressly or by implication have effect after termination shall continue in full force and effect.
3.5 The suspension or cancellation of your registration and your right to use the MyCarFinance247 shall not affect either party's accrued rights or liabilities under these Terms of Use.
3.6 We reserve the right to delete your account and any personal data or other information associated with your use of the MyCarFinance247 if there is no activity on your account for more than thirty-six consecutive months.
4.1 We aim to update MyCarFinance247 regularly and may change the content at any time. If the need arises, we may suspend your access to MyCarFinance247 or close it indefinitely. The material on MyCarFinance247 may be out of date at any given time, and we are under no obligation to update such material.
5.1 CarFinance 247 offers a:
which, provided you have created a MyCarFinance247 account and act in accordance with these Terms of Use, this will enable you to communicate through Web Chat, WhatsApp Chat and SMS Chat (as applicable) to us, without having to make a phone call.
5.2 If you choose to start a Web Chat session, we will guide you to the answer to your question within the web chat session. Where appropriate, during the Web Chat session, we will arrange contact with one of our customer service advisors.
5.3 Please be respectful when communicating with our customer service specialists. If your message is abusive or offensive, our customer service specialists have the right to end the relevant chat immediately.
5.4 Web Chat, WhatsApp Chat and SMS Chat are available twenty-four hours a day, but should you start a chat session outside of our normal business hours you may, in respect of Web Chat, receive an automated response confirming when you can expect to receive a response and, in respect of SMS Chat or WhatsApp Chat, receive a response as soon as possible on the following working day.
5.5 A record of each live chat (held via Web Chat, WhatsApp Chat, SMS Chat or any communication received by email, as applicable) will be held by us, and may be used by us: (i) when looking into your application; and/or (ii) for quality purposes (including, but not limited to, when you contact us using other methods set out in these Terms of Use), and in all instances will be held and used in accordance with our Privacy Policy. For your own security we would discourage you from disclosing any personal or account information when using Web Chat, WhatsApp Chat, SMS Chat and/or any other form of communication by you to us.
Last updated: 23rd August 2025