These terms and conditions govern your use of this the Urban Credit Ltd ("urban credit") Website. Please read through the Terms and Conditions carefully. If you do not agree with the Terms and Conditions, do not use this Website. If you do use the Website, your conduct indicates that you agree to be bound by the Terms and Conditions as amended and updated from time to time.

Who can use this site?
This site complies with appropriate UK legislation and is to be used only by persons who access it from within the UK.

Personal information
We will not collect any personal information about you unless you have chosen to give it to us. Therefore, do not give to us information that you do not wish us to collect. We may use information we have collected about you for improving customer service, and to respond to your queries. When you speak to us on the phone, some calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Exclusions of our legal liability
The following clauses exclude or limit our legal liability for this site. You should read them carefully. They all apply only as far as the law permits. We have tried to make the information contained within this site as clear, easy to use and as accurate as possible. However, we disclaim all express or implied warranties that this site is accurate, complete, or up to date. We will have no liability to you if it is not. The fact that information, products or services are shown on this site does not necessarily mean that: (a) you should rely on the information (whether provided by us or third parties); (b) we endorse the information, products or services provided by third parties; or (c) the product and services that we provide are suitable for you. It is your responsibility to check this out. Some of the services on this site may not be available or may have changed. We are not in any way responsible for anything mentioned on or linked to this site that someone else is marketing. Please remember that, unlike our secure application form, email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.

Privacy - How your personal information is used by urban credit.
Urban Credit Ltd may keep your personal details given to us by you or others during your relationship with us and other companies. These include: details you give us on application forms or during conversations with you via phone or email, details you give us so that we can provide you with services, details we receive from credit reference and fraud detection agencies. You agree that we may use and update this centrally held information: for credit and credit related services, to provide you with other services, to identify other products and services which might be suitable for you, to recover debts and to assist in debtor tracing, to prevent and detect fraud, to update our records about you, to prevent money laundering; and, to check your identity.

You agree that we may use your personal information so that we or our appointed lenders are able to perform a credit check on you before we provide you with any services. These searches will be recorded by the credit reference agencies. We or one of our appointed lenders may disclose information about how you run your account to the credit reference agencies. We and other organisations may also use credit reference agency and fraud prevention agency records that we receive about you, people financially linked to you and others in your household to help make decisions about you and them.

We may also use your information for research and statistical analysis with the aim of improving our services.

When assessing an application, we or one of our appointed lenders may use automated decision-making systems.

If you are applying for finance or other services in joint names, this will create a financial link between both applicants in our and that of our appointed lenders records and the records held at the credit reference agencies. This means that your financial affairs and those of your joint applicant may be treated as affecting each other.

If you request it, on payment of a fee, which is currently £10, we will provide you with a copy of the personal information to which you are entitled that we hold about you.

The information we hold about you is confidential. We will only disclose it outside Urban Credit Ltd and our approved panel of appointed lenders when: you give us your consent, it is needed by certain reputable third parties involved in running accounts and/or providing services for you (for example, credit reference agencies who do credit checks for us), in order to obtain professional advice, we or others need to investigate or prevent crime (e.g. to fraud prevention agencies), the law permits or requires it, or any regulatory or governmental body requests or requires it, even without your consent, or, there is a duty to the public to reveal the information.

We have a contract in place to ensure that your information is adequately protected, and we will remain bound by our obligations under the Data Protection Act.

Use of Cookies
This website uses cookies. Cookies collect information about your use of the website, including things like your connection speed, details of your operating system, the time and duration of your visit and your IP address. The information collected by cookies enables us to understand the use of our site, including the number of visitors we have, the pages viewed per session, time exposed to particular pages etc.

This in turn helps us to provide you with a better experience, since we can evaluate the level of interest in the content of our website and tailor it accordingly. We will not attempt to personally identify you from your IP address unless required to as a matter of law or regulation or in order to protect our or our other customers', rights. Most browsers automatically accept cookies. You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However, you may find that some parts of the site will not function properly if you refuse cookies.

Monitoring
We may monitor, record, store and use any telephone, email or other electronic communications with you for training purposes, so that we can check any instructions given to us and to improve the quality of our customer service.

We will monitor network traffic from time to time for the purposes of backup and problem solving and in order to counter against misuse.

Protecting your Privacy
To the extent that sensitive personal data is processed about you, we will employ appropriate security measures given the nature of that data. However, you recognise that your use of the Internet and our website is entirely at your own risk. We have tried to create a secure application and reliable website for our users. However, we have no responsibility or liability for the security of personal information transmitted via the Internet. We may need to provide some of your personal information to third parties that we use for the purposes of delivering specific services to you (e.g. customer support, or a delivery company if you have asked us to send something to you).

Our website may provide links and banner advertisements to third party sites. Please note that we are not responsible for, and have no control over, information that is submitted to or collected by these third parties. Since we do not control those websites, you are responsible for reviewing and abiding by the privacy policies of these third party sites.

In the course of providing services to you, we may engage third parties to carry out certain services/operations on our behalf. We will employ appropriate security measures to protect your personal data where that is the case.

Accurate Information
We and our appointed lenders may check what you have told us and share that information with fraud prevention agencies. It is important that you give us accurate information. If you give us false or inaccurate data and we suspect fraud we or our appointed lenders will record this at the fraud prevention agencies. You are responsible for ensuring the accuracy of the information you give to us and that all the details you supply are correct for example, employment details, address details and all other personal details and information. We may also use the information you provide to pass on your details to another broker:

• If we are unable to arrange finance for you;
• To pass your details on to a lender or lenders they feel may be willing to lend you money.

Any other broker or lender to whom the information is passed during processing your application may use it in the same way.

Every company or person who processes or keeps data has a duty to keep that information up to date and accurate.

Copyright Notices
Unless otherwise specified the copyright in the contents of all the pages in this Website are owned or licensed to Urban Credit Ltd.

Except as stated below, the contents of this Website may not be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without the prior express written permission of Urban Credit Ltd.

You may not distribute, display or copy any of the contents of the pages contained in this Website to third parties including, but not limited to "caching" any material on this Website for access by third parties and "mirroring" any material on this Website.

You may print the contents of an individual page of this Website for the purpose of private and personal non-commercial use. You may also permit your computer to make an electronically stored, transient copy of the content in this Website for the purpose of viewing it while connected to the internet only. However, you may only make one copy of any content.

You may only establish a link or "deep link" to this Website from your site, with Urban Credit's prior written consent and provided that in Urban Credit's sole discretion, the context is relevant and the link or its description is not detrimental to Urban Credit Ltd.

Important Information
Licensed Credit Brokers No. 564936. Finance is provided, subject to status and income. Written quotations available on request. To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). The APR will vary depending on the cost and age of the vehicle, amount of deposit and the length of the agreement. Any decision made by us in relation to the services provided to you shall be final.

Urban Credit Ltd Registered in England and Wales No. 5307487.
Registered Office Address: 145 - 157 St. John Street, London, EC1V 4PY

Complete our quick, online, car finance application or, if you prefer call us with your details, either way it couldn't be easier!


We'll process your car finance application immediately, we aim to confirm your decision and car finance credit limit within the hour


CHOOSE the car YOU want from the dealer of YOUR CHOICE, save time and avoid any unnecessary, embarrassing questions, arrive at YOUR dealer PRE-APPROVED, safe in the knowledge your great car finance loan has already been agreed

Please feel free to call us on 0845 838 2114 or, if you prefer email us at info@urbancredit.co.uk

Mon to Fri	9am until 6pm
Saturday	10am until 4pm