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Flexible vehicle finance

Finance your next car with Rydon Car Sales.

We can introduce you to a carefully selected panel of third-party lenders offering a range of vehicle finance products. Apply online using our secure finance application and take the next step towards your next vehicle.

  • A range of competitive vehicle finance products
  • Secure online finance application
  • No fee payable to Rydon Car Sales for credit brokering services
Apply for finance with Rydon Car Sales
Secure online application Apply for vehicle finance
Understanding car finance

Vehicle finance, explained clearly.

These short guides explain some of the key points to consider when arranging finance for your next vehicle. Because finance paperwork should not require an archaeological expedition to understand.

Finance guide

Understanding your finance options

Learn more about vehicle finance and the information you should consider before entering into an agreement.

Application guide

Before applying for finance

Understand affordability, credit checks and the responsibilities involved in taking out vehicle finance.

Finance procedure explained

The information below explains our role as a credit broker, the services we provide, how commission may work and what happens to your information during a finance application.

FCA reference number 670177
01 Who we are

Rydon Car Sales is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority for credit-related activities under reference number 670177.

This can be verified by viewing the Financial Services Register at register.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

Rydon Car Sales
Sidmouth Road
Clyst St Mary
Exeter
EX5 1BB

We are independent from all lenders and product providers that we may introduce you to.

02 What we offer

Vehicle finance

While we cannot finance the purchase of your vehicle ourselves, we can introduce you to carefully selected third-party lenders offering a range of competitive products. A list of all lenders we deal with is available on request.

There are other lenders in the market that we do not deal with and cannot introduce you to.

Finance is subject to status, lender approval and terms and conditions. We cannot guarantee that you will be approved for finance.

03 What services we will provide

We will ask you a number of questions to select products for your consideration and provide you with relevant details. You will then be able to make your own choice about how to proceed.

We are not independent financial advisers and are therefore unable to provide financial advice or recommendations.

We may seek information about your personal circumstances and objectives to help identify your needs. It is important that you provide us with accurate, complete and relevant information.

04 What we charge for our services

No fee is payable by you to Rydon Car Sales for our credit brokering services.

We may receive commission from a lender when a finance agreement is entered into. The amount of commission paid to us may vary according to the interest rate charged by the lender. However, we cannot change the rate of interest to earn more commission from a lender.

If we obtain a finance offer for you and you would like to know the amount of commission we would receive if you accept that offer, please contact us on 01392 877336.

On request, or before entering into a regulated finance agreement, you will receive Pre-Contract Credit Information. This will explain any additional fees or charges relating to the particular product.

05 Affordability and repayments

! Consider whether the finance is affordable

You should assess the monthly payments required throughout the life of any finance agreement and ensure that you can meet these obligations, alongside your other financial commitments, without suffering undue hardship.

If you become aware of any future event that could affect your ability to make the required payments, you should inform the lender immediately.

Your credit rating may be adversely affected if you do not make payments when they are due. This could make it more difficult or more expensive for you to access finance in the future.

06 How we use your information

Throughout the process of obtaining finance for your vehicle, we will need to collect personal information from you and potentially from family members, such as a partner.

We may pass this information to one or more third-party lenders so that they can assess your application and make a credit decision. We will not disclose this information outside the lenders to whom it needs to be sent for the purpose of obtaining finance.

The lenders receiving the information require it to conduct affordability and creditworthiness assessments. They will do so with your consent when you provide the relevant information.

If your initial application is refused, further searches may be carried out with other lenders that may be willing to accept your finance application.

Neither the lenders nor Rydon Car Sales will use your information to provide promotional or marketing material unless you have specifically consented to receive it.

07 What to do if you have a complaint

In the event of a complaint, please contact us as soon as possible using either of the following methods:

By post:
Rydon Car Sales
Sidmouth Road
Clyst St Mary
Exeter
EX5 1BB

By telephone: 01392 877336

Ready to apply for vehicle finance?

Complete our secure online application or contact the Rydon Car Sales team if you would like to discuss the application process first. Finance is subject to status, lender approval and terms and conditions.

Contact us
Financial Conduct Authority

Rydon Car Sales is authorised and regulated by the Financial Conduct Authority (FCA), firm reference 670177. Rydon Car Sales is a credit broker not a lender. We can introduce you to a limited number of lenders, while providing details of finance products available. We will not charge you a fee for an introduction, but will typically receive a commission from the lender. Lender's commissions may vary. The commission received does not influence the interest rate you will pay. For questions about commission, please speak to us.

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