Terms and conditions: *8.5% APR Representative available on used retail sales when proposed through Toyota Financial Services between 1st February 2024 and 1st July 2024 and financed through Toyota Financial Services by 15th July 2024. Available on a 24-49 month Toyota Used Personal Contract Purchase (PCP) plan. Deposit between 0-35% required. Minimum advance of £1,500.
Offer may be withdrawn or amended at any time. Finance is subject to status to over 18s. Indemnities may be required. Other finance offers are available but cannot be used in conjunction with this offer. Excess mileage charges apply on PCP agreements. Vehicle ownership available at the end of agreement if all applicable payments are made. Toyota Centres are independent of Toyota Financial Services. Affordable finance through Toyota Financial Services. Participating Centres only. Toyota Financial Services is a trading name of Toyota Financial Services (UK) PLC; registered office Great Burgh, Burgh Heath, Epsom, Surrey, KT18 5UZ. Authorised and regulated by the Financial Conduct Authority. Terms and conditions apply.
Toyota Financial Services will pay the Toyota Centre a commission for introducing you to them. Commission may be calculated based on either a fixed amount relating to the vehicle you are financing, a percentage of the amount you borrow, or a combination of both. Toyota Financial Services may also make other types of payment to the Toyota Centres for introducing you to them. Any such amounts will not affect the amounts you pay to Toyota Financial Services under your finance agreement. The Toyota centre is acting as credit broker and not a lender.
^See www.toyota.co.uk for details.
Listers Group and its Appointed Representatives are Credit Brokers and not Credit Lenders. 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, where we are permitted to do so, we will submit a proposal to one of our independent finance providers. We do choose from a panel of lenders but do not conduct a market appraisal. Please contact us for a list of our finance providers.
In the event that none of our 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 do not act on behalf of either the lender or the customer when making our introduction. We offer a non-advised service. We cannot advise or provide any recommendation. 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.
COMMISSION DISCLOSURE
Consumer Credit - We do not charge you a fee for any of the financial services we provide. 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.
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.
Consumer Hire - All lenders set their own policies regarding commission arrangements and typically the amount will be capped at a percentage of the tax list price of the vehicle or maybe pre-set but can vary and may impact the amount you pay. The higher the amount of commission, the more you will pay to hire your vehicle.
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 or likely amount that we will receive for arranging finance for you in good time before entering into the agreement. If you would like us to disclose any potential commission prior to you entering into the agreement, please make your request to commissiondisclosurerequests@listers.co.uk. We do not charge you a fee for any of the financial services we provide.