Car Loan Terms and Conditions

Please note that regrettably we are unable to offer car finance to customers located in Northern Ireland, the Isle of Man or the Channel Islands.

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.

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 it's control so imposed by those companies.

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.

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. You can download and use the service on a single CPU at a time and print out a single hard copy of any part of the content on Creditplus website for your personal 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.

The Web-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.

Neither the Web-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.

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 Web-Site and the information supplied in connection therewith.

By using the Web-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 Web-Site. Any photographs and colours used in the site are for illustrative purpose only and do not form part of any contract.

Creditplus reserve the right to charge an administration fee to cover the cost of arranging vehicle finance, or if the loan does not complete due to false information given on the application form. 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.

Used Cars Supplied by Creditplus

Cars supplied by Creditplus will be covered by a car warranty for a minimum of 3 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.

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.

Car Finance is Subject to Status

Car Finance is provided, subject to status. Written quotations are available on request. To apply you must be at least 18 years old and a UK resident (excluding Northern Ireland, the Channel Islands and the Isle of Man).

The Financial Services (Distance Marketing) Regulations Act 2004

Guidance on the Consumer Protection (Distance Selling) Regulations 2000 No.2334. Creditplus comply with distance selling rules. Customers are not permitted to cancel or return goods for:

Data Protection Act

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:

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 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.

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. Contactable by telephone on 08717 502 495.

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. 

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.