Listers Group is a credit broker, not a lender.
Finance example is for a smart finance agreement for a smart #1 Pro+ with a contract mileage of 24,000 miles and excess mileage charge of 9.31p per mile. Applies for new vehicles ordered between 1 October 2023 and 3 January 2024 and registered by 3 January 2024 (subject to availability). Model exclusions and stock limitations may apply. Subject to availability and change. Retailer customers only.
With a PCP plan, your regular monthly payments are low because a significant proportion of the Total Amount Payable is repayable at the end of the agreement by one large repayment.
At the end of the contract there are 3 options: (i) Part exchange the vehicle against a new vehicle. (ii) Pay the optional final payment to own the vehicle. (iii) Return the vehicle. Further charges may apply subject to the condition or mileage of the vehicle.
Manufacturer contribution can consist of a contribution towards the cash price and a contribution towards the deposit. Optional final payment and option to purchase fee not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Quotation for your selected vehicle is valid at date of calculation only and is subject to availability and status.
Falcon of Hull & Lincolnshire Limited t/as Listers smart is an Appointed Representative Listers Group Limited, which is authorised and regulated by the Financial Conduct Authority. Listers Group and its Appointed Representatives are a Credit Broker and not a Credit Lender. We are not independent as we have contractual relationships with a limited number of lenders. Our approach is to introduce you, in the first instance, to the relevant dealership manufacturer supporting finance company. If they are not able to make you a finance offer, we will submit a proposal to our independent finance provider (Black Horse Finance). We do not conduct a market appraisal and we do not choose from a panel of lenders. In the event that both lenders are unable to provide credit, we will refer you to a broker to attempt to source credit for you. Note however, the available terms from this broker may well be inferior to the two lenders we initially introduced to you.
We act on the lenders behalf as an agent when making this introduction. We offer a non-advised service. We cannot advise or provide any recommendations, we will provide you with sufficient information on the lender’s financial products, but it is for you to decide whether the finance product you choose is right for you. The decision as to whether to enter into any credit agreement on the terms offered is yours.
We will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. For your reassurance, the amount of commission we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
If you are an individual, sole trader or small partnership and we are arranging a credit agreement or a consumer hire agreement for you which is regulated under the Consumer Credit Act 1974, you have a right to ask us to disclose the income that we will receive for arranging finance for you. If you would like us to disclose any potential commission prior to you entering into the agreement, please make your request to email@example.com.
Our commission arrangements with our lenders have been negotiated and agreed in advance and set by the Lender. We do not have any discretion to negotiate or adjust your interest rate, APR or any other item included in the total charge for credit. The interest rate and/or APR offered to you may vary according to the age of the vehicle you purchase and/or the amount you borrow.
^Extended test drive offer subject to status and availability.