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| Finance (To apply for finance click here) |
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There are a number of benefits to you, the consumer, by organising your car loan through Imperial Car Supermarkets:
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Customer Finance Charter -
As part of our continuing commitment to you, our customer, and in response to recent changes in legislation relating to the sale of financial products (Consumer Credit Directive) Imperial Car Supermarkets has drafted this customer finance charter to ensure you know what to expect when purchasing a vehicle via a finance agreement.
Prior to handing over your vehicle we will now provide you with the following:
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Pre-Contract Credit Information (PCCI): This document must be given to you in good time before you sign your credit agreement. The PCCI is also to be made available any time after acceptance and a copy is produced every time the document pack is printed.
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Pre-Contractual Explanation (PCE): We must now read aloud the sections of the PCE which are highlighted in bold before you sign your credit agreement. You must also be given the opportunity to read the PCE document and ask questions. We must give you a copy of this document.
We also need to make sure that you are aware of what repayments you need to make once a finance agreement has been taken, confirm whether you can pay them and whether you think your circumstances might change which could affect you making the repayments. It’s this part of the process where we need to make sure you have a full breakdown of what it is you need to repay.
This is great news for you the consumer. Imperial Car Supermarkets, as a responsible supplier of used vehicles, is fully compliant with the new Consumer Credit Directive. To ensure we fulfil our obligation to you we have published a Regulatory Requirement Sheet (RRS) as part of our new CCD process which allows you and our Handover Managers to check off that all key actions have been completed before you sign the finance agreement. This RRS also covers warranty and insurance products and serves to ensure that you leave us with all the required documentation and a full understanding of the finance, warranty and insurance products you have purchased.
You will be provided with an RRS when you visit us to purchase a vehicle. If you would like to review the document before paying us
a visit then it is available to download as a PDF from our website, please click here.
Mike Bell
Sales Director
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Convenience - once you have chosen your car we can organise your loan within 60 minutes - a true 'while you wait' financial service. Unlike personal loans or mortgages we secure the loan on the vehicle you purchase so our acceptance rates are typically higher than high street banks. |
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Fixed Payments/Fixed Interest Rates - unlike most mortgages, credit cards or some personal loans the interest rate and monthly payment will not change during the term of the agreement. You feel secure in the knowledge that the payment you are quoted is the one you will pay for the finance. |
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Consumer Protection - the majority of our financial agreements are regulated by the Consumer Credit Act. This means we take an active interest in your satisfaction with the vehicle you are buying. As a customer of Imperial Car Supermarkets you will also have access to a choice of insurance products that will protect your interests in the event of your car being written off or you being unable to meet your payments through illness or redundancy. |
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Affordability - we have a range of financial loan products that maximise your affordability which means that you can get more car for your money. |
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Imperial Cars Southampton. 256 Bridge Road, Lower Swanwick, Southampton SO31 7FL
Tel: 08446 623119 Fax: 01489 556 929
Imperial Cars Portsmouth. 468 London Road, Hilsea, Portsmouth PO2 9RN
Tel: 08446 620096 Fax: 02392 652 078
Imperial Cars Fleet. Wintney Barn, Taplins Farm Lane, Hook, Hampshire RG27 8SH
Tel: 08430 223815
We're open:Mon-Thu 9-8, Fri 9-7, Sat 9-6, Sun 10-5
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