Finance Application Terms and Conditions

By completing the application for vehicle finance below, you give us, S.G. PETCH LIMITED, the authority to request your credit history from credit reference agencies ("CRAs") and that you agree to be subject to one or multiple full ("hard") credit searches on your credit report.

These hard searches includes information like your credit score, credit report and data related to them, such as credit providers, county court judgments ("CCJs") and reasons for changes to your score or report. Hard searches are visible to third parties.

When you submit the application, one or more hard credit searches will be performed and your eligibility for vehicle finance will be considered by our carefully selected panel of lenders. Each has their own acceptance criteria and will consider affordability elements that a credit search may not. Lenders will assess your ability to repay the finance provided, now and in the future, including in the event of a change in circumstances or the general market, such as an interest rate change.

Before proceeding, please note that multiple hard credit searches in close proximity to each other can detrimentally impact your credit score. Lenders and credit scoring models consider how many hard credit searches you have on your credit reports. This is because applications for new credit increase the risk a borrower poses to lenders. Be mindful of submitting multiple finance applications in a short window of time.