At Ucan Financial Services Ltd, we are committed to providing a high quality of service to our customers. Please read this document carefully as it sets out the Terms of Business on which Ucan Financial Services Ltd will provide services to you. Please contact us if you have any queries regarding anything in this document which you do not understand.


Ucan Financial Services Ltd (“Ucan”) is a credit broker and credit intermediary. This means that Ucan will arrange finance for you to buy a car and in doing so will introduce you to one of our pre-selected lenders. In arranging finance, we do not conduct a market appraisal and we do not give any assurance or undertaking that the terms offered are the most competitive on the market. Whilst we will do our best to source an offer of finance for you, all finance is subject to status and terms and conditions will apply. Whether you are offered finance and upon what terms will depend on a variety of factors including your occupation, income, credit rating and creditworthiness.

In order to make a finance application, we will need to take some details from you. We also need your consent to pass on your information to our panel of lenders so that they can assess your finance application. In order to be considered for finance, Ucan and/or an external lender may consult a credit reference agency. This may leave a footprint on your credit file. If you are declined for finance then we can provide you with details of the credit reference agency (“CRA”) that Ucan and/or any of our lenders consulted. You are then free to make further enquires with the CRA should you wish to do so. If you want to place a restriction on the number of credit searches that are undertaken on you then please make this clear to us at the outset so that we can limit our search.

In relation to finance, Ucan acts as agent of the lender. We are not in a position to give you independent advice on financial products. We will however provide you with oral and written information so that you can make your own informed purchasing decision. You will be given time to read all the documentation provided to you prior to signing and given time to ask questions which we will do our best to answer for you.

Cancellation(Change of Mind) – In the case where the car is delivered to you without you visiting the showroom.

If the transaction we are completing with you falls under the terms of the Consumer Contracts Regulations 2014 (sometimes know by the previous legislation name of the Distance Selling Regulations). Under the terms of the legislation you have a 14 day period, starting from when you placed the order, to return the goods (the car) to us in the same condition in which it was sold along with the paperwork and other items (e.g.keys) to the selling branch. We cannot accept a return of the car if it has been damaged, modified or altered from the condition it was delivered in.

If you wish to take this action you should contact your selling branch at the earliest possible opportunity and return the car as soon