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 9.13p per mile. Applies for new vehicles ordered between 1 July and 30 September 2024 and registered by 31 December 2024 (subject to availability). Model exclusions and stock limitations may apply. Subject to availability and change. Retailer customers only.
With a Personal Contract Purchase 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 a smart Personal Contract Purchase agreement there are three options: i) retain the vehicle – pay the optional final payment to own the vehicle; ii) return the vehicle (you may be charged for excess wear and tear); or iii) replace: part-exchange the vehicle, subject to status.
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. Offer may be varied, withdrawn or extended at any time. A smart Personal Contract Purchase is a form of hire-purchase agreement provided by smart Mobility Financial Services, BS16 7LB. ALD Automotive Limited, trading as smart Mobility Financial Services, is a limited company registered in England and Wales with registered number 00987418, having its registered office at Oakwood Drive, Emersons Green, Bristol, BS16 7LB and is authorised and regulated by the Financial Conduct Authority (FRN.308101). You will have a 14-day statutory right to withdraw from the agreement.
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.
When arranging funding for the purchase of your smart, we act as a credit intermediary of smart Mobility Financial Services. They are the sole finance provider for the respective brand partner. If they cannot make you an offer of finance, we will not be able to offer an alternative introduction to another lender. In this event, please speak with our sales team to discuss alternative options. .
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.
^Extended test drive offer subject to status and availability.