How We Get Paid (Commission Disclosure)

Last updated 7 July 2026

1. 1.We are a credit broker, not a lender

   Trusted Car Finance ({{LEGAL_ENTITY}}) is a credit broker, not a lender. That means we do not lend money ourselves. Instead, we help you compare finance options and, where appropriate, introduce you to lenders on our panel who may be able to provide the finance you are looking for. Any finance agreement is between you and the lender, not with us, and is always subject to status and affordability checks.

   We are applying to become an Appointed Representative of {{PRINCIPAL_NAME}}, an FCA-authorised firm ({{FCA_REF}}). Until that appointment is confirmed, we do not carry out regulated credit-broking activity. We will update this page with our regulatory details once they are confirmed.

2. 2.How we are paid

   We do not charge you a fee for our credit-broking service. Instead, if you take out a finance agreement through an introduction we make, the lender usually pays us a commission for introducing your business to them. This is a common and lawful way for credit brokers to be paid.

   The commission is paid by the lender out of its own funds. It is separate from, and does not add to, the amount you borrow or the total you repay under your agreement.

3. 3.The amount and basis of our commission

   The amount of commission we receive, and how it is worked out, can vary depending on the lender, the product and your individual circumstances. {{COMMISSION_STATEMENT}}

   In some cases the commission is a fixed amount; in others it is calculated as a percentage of the amount you borrow. The way we are paid does not influence which lender or product we introduce you to. We will always tell you before you enter into an agreement that a commission may be payable, and you can ask us about the amount or basis at any time.

4. 4.This does not affect what you pay

   The commission a lender pays us does not change the interest rate, the monthly payments or the total amount payable under your finance agreement. You would not pay less by going directly to the lender rather than through us, and the price of the finance is set by the lender, not by us.

   Our aim is to help you find finance that is suitable and affordable for your circumstances, based on the lender's assessment of your application.

5. 5.Asking us for more detail

   You have the right to ask us for more information about any commission we may receive in connection with your agreement, including how much it is and how it is calculated. We will give you this information clearly and promptly, before you commit to an agreement wherever possible.

   To request commission details, contact us at {{CONTACT_EMAIL}} or {{CONTACT_PHONE}}, or write to us at {{REGISTERED_ADDRESS}}.

6. 6.Our commitment to transparency

   We are committed to being open about how we are paid so you can make an informed decision. We will disclose the existence of any commission before you enter into a finance agreement, and we will provide the amount or basis on request. If our commission arrangements change, we will update this page.

   If you are unhappy with any aspect of our service, including how we have handled commission disclosure, you can raise a complaint. Please see our complaints page for how to do this.