About Us

HN Automotive (Staffs) LTD is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activities. Our FCA Register Number is 926376. You can verify this on the FCA's website at register.fca.org.uk.

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Our Role

We act as a credit broker, not a lender. We are not impartial and may act in our own commercial interests. We do not provide independent financial advice. Our role is to introduce you to lenders from our panel and help facilitate your finance application.

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Our Services

We work with a panel of lenders to provide vehicle finance options to our customers. A list of these lenders is available upon request.

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Commission

We do not charge you a fee for our credit broking services. However, we typically receive a commission from the lender or finance broker we introduce you to.

This commission may be: A fixed fee, A percentage of the loan amount, Not capped

Example: For a car priced at £18,999 with a £3,000 deposit, the amount borrowed would be £15,999. If we receive a 5% commission, our commission would be approximately £800.

The exact amount of commission varies depending on the lender and finance product. We will disclose the specific amount to you before you sign any agreement.

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Important

The amount of commission we receive does not influence the interest rate or terms you are offered by the lender.

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Finance Calculator

Our finance calculator provides estimates only and does not guarantee loan approval, specific interest rates, or terms. Using the calculator will not affect your credit score.

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Part Exchange Valuation

The part exchange value you enter is an estimate to help with your financing calculations. The final offer for your trade-in will be determined after a thorough inspection by our team at HN Automotive. You can request a free online valuation by visiting www.hnautomotive.co.uk/valuation

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Credit Checks

If you proceed with a formal loan application, the lender will conduct a credit check. This may impact your credit score and affect the interest rate you're offered.

Finance Options: Availability of finance options may be restricted based on factors such as the vehicle's age, mileage, and other criteria set by lenders.

How It Works:

a) You provide information about your desired loan amount and terms.

b) Our calculator offers estimated figures for illustration purposes.

c) We connect you with lenders through a finance broker.

d) The finance broker presents suitable loan options based on your creditworthiness.

e) We explain the key features of these options to you.

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Your Right to Withdraw

You have the right to withdraw from this agreement within 14 days without giving any reason. The withdrawal period will expire after 14 days from the day of the conclusion of the contract. To exercise the right to withdraw, you must inform us of your decision by a clear statement (e.g. a letter sent by post or email). To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right to withdraw before the withdrawal period has expired.

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Complaints

If you wish to register a complaint, please contact us: In writing: HN Automotive, Moor View, Commonside, Rugeley, Staffordshire, WS154NQ. By phone:01543 573 933 By email: info@hnautomotive.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. (within six months from the date of the final decision)