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Terms and Conditions

By accessing this website ("The Site"), you are deemed to have accepted these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these terms you should not use The Site. Please ensure that you read these Terms and Conditions carefully, they set out the basis on which you are allowed to use The Site and the information contained within it. They protect you as a user of The Site and prevent The Site from being used for any illegal or unauthorised purposes.


Car-Finance.Net Limited FRN 720875 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. Carzu is a finance broker not a Lender. The website is hosted by Calas. are a wholly owned subsidiary of Jigsaw Finance Limited. Our registered address is Genesis Centre, Innovation Way, Stoke on Trent, Staffordshire, ST6 4BF. Jigsaw Finance Limited processes and /or administers applications on behalf of offers new vehicles on a number of different finance options from an extensive panel of Lenders. All finance options are explained in our Products Brochure and the Terms and Conditions set out by the individual Lender apply. also offers finance on vehicles sourced by you (Any vehicle has to be supplied by a reputable motor dealer who holds the required FCA Permissions and who will need to be approved by Jigsaw Finance Limited).

Treating Customers Fairly (TCF)

We are committed to ensuring the information and service you receive before, during and after your application is clear fair and not misleading. We will not pressure you into buying from us and will only offer you products that are suitable for your needs. We will provide you with enough information for you to make your own informed choice, please click here to read more about our STANCE on TCF.

Use of the Site

The Site offers vehicles and finance products offered by third party companies with whom we have a relationship.

Throughout our Terms and Conditions, we will refer to a number of policies such as the Privacy Policy, Treating Customers Fairly and Cookie Policy. These policies can be found on our website and are free for you to review. All policies found on our websites as well as these Terms and Conditions are in a printable format and we would recommend that you fully read them before submitting an application.


Any amendments to our Terms and Conditions for The Site will be done in accordance with business related changes and the latest version will always be displayed. The amended Terms and Conditions supersede any previous arrangement, agreement, undertaking and proposal, written or oral between you and in relation to such matters. We reserve the right to amend the Terms and Conditions from time to time, the updated version will be effective as soon as it is uploaded on to this site and your continued use of The Site will constitute your acceptance of such updated Terms and Conditions.

We have the right to amend these terms as we see fit and to comply with changes in the law or for regulatory reasons, or we need to correct any error or omissions including any documentation that forms part of this agreement provided that such correction is minor and does not materially affect the agreement.

If you have any questions, queries or concerns regarding these Terms and Conditions, please contact us at

Privacy and Cookies

The protection of your privacy is very important to us and all information will be processed and administered in accordance with our Privacy Policy.

We will collect personal information or personal data about you in various ways, depending upon the services you are enquiring about. Full details of how we collect and share data, along with your rights, are detailed in the Privacy Policy, and we recommend you read that before proceeding.

Please note that all phone calls to our offices will be recorded and monitored for quality and training purposes.

Like many online services we also collect data through the use of cookies and by agreeing to these Terms and Conditions you are providing your consent for us to use cookies in the ways described in our Cookie Policy. Cookies can be deleted at any time if you wish. Please see our Cookie Policy for detailed information on the types of cookies we use on The Site, the purposes for which we use each cookie, how you can disable and enable the use of certain cookies and the consequences of doing so.

Information provided on The Site is sourced and provided by our third-party relationships (e.g. external sources, Lender's rates and offers) and we will always do our best to ensure this information is accurate at all times. If you feel that any information is inaccurate, please contact us at at your earliest opportunity. All products discussed on The Site are of a generic nature and the individual Lenders Terms and Conditions will apply per product. You will receive full product information from the approving Lender and will receive a SECCI (Standard European Consumer Credit Information) document to review in good time. You must read this before you sign your agreement. The team can give you more information on the individual products on request. We cannot give you a recommendation or advise you on a product but we will present you with all the information needed for you to make your own selection of a suitable product.

There may be links on The Site to other websites and it should be noted that the material contained within them are not owned or controlled by Having the links on The Site does not mean that endorses them, or the content contained within them. If you activate any of these links, you do so entirely at your own risk, and you will leave The Site. Please be aware that if you use a linked website, any personal information you provide will be dealt with in line with that website's Privacy Policy and not's. Please read that website's Terms and Conditions and Privacy Policy before you use the website or give the website any personal information. does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these websites.

The Site may include material provided by third party product or service providers, advertisers or sponsoring organisations which must comply with applicable laws. is not responsible for verifying the accuracy of this information and does not accept liability if any of this material is untrue, inaccurate or incomplete. does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of or reliance on this material.

Intellectual Property Rights owns all intellectual property rights in the Website Information. For the purposes of the Terms and Conditions, the expression "Website Information" means all component parts of the website, including but not limited to all text, all graphics and all financial information.

Access to The Site is permitted for use on a temporary basis and we reserve the right to amend or withdraw the service on The Site without notice. We will not be liable in the event The Site is unavailable for any period.

The information contained on The Site is made available for your personal, non-commercial use only. You are allowed to print or download information and material from The Site for your own personal use, however all copyrights and proprietary notices must be left intact. You are not permitted to modify, copy, alter or reproduce any of the content of this site without our prior consent.

All intellectual property rights in The Site and its content (including copyright and database rights and (whether registered or unregistered) trademarks, trade names and designs and other intellectual property rights in that content), shall at all times remain vested in, or licensed by, No licence is granted to you in these Terms and Conditions to use any trade mark of

There is always a risk that The Site may be targeted for cyber-squatting and vandalism. does not accept any responsibility or liability for any information that could appear on The Site as a consequence.

Fees and Charges will charge a Broker Service Fee for the sourcing of the vehicle and our services, this fee is a separate fee to the finance agreement and will not be shown in any finance illustrations, no interest is payable on this fee. We do not charge a fee for the introduction to the Lender, however, we may receive a commission or fee payment from the Lender if you decide to enter into an agreement with them. This information can be obtained on request. Further information of our Broker Service Fee can be seen in our Information Notice. All other fees and charges relating to your financial agreement will be outlined in your 'SECCI' document.


In processing your application, we will carry out a 'soft' credit search to determine the most suitable Lender to meet your requirements. A 'soft' search will not leave a footprint on your credit file or affect your credit score.

A credit search will be carried out by the chosen Lender which may leave a footprint on your credit profile detailing that a finance application has been made. This can be seen by other organisations that make credit searches. We may request a credit check with more than one Lender.

Searches will also be made in respect of Directors and Partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

By submitting an application, you warrant that you are at least 18 years old and legally capable of entering into binding contracts and the vehicle is for your own use unless you have informed us otherwise.

Before we submit your application to a Lender, you will be contacted by the team to confirm your application details.

Vehicle Information (General)

The vehicle information displayed on The Site is provided by CAP HPI Limited who collate all the information supplied by the manufacturers and update frequently. accepts no responsibility for the accuracy of this information and recommend a decision to enter into a transaction should only take place once the vehicle specification has been verified by the manufacturer or franchised dealer.

If you enter into a finance contract with a lender then it is important to perform the contract in line with their terms and conditions, especially if there is a service contract forming part of the agreement. If this is the case, then you need to adhere to their rules surrounding manufacturers guidelines about servicing and to use a servicing agent recognised by the specific finance company.

Certain finance agreements contain additional charges for exceeding the specified contract mileage (Excess Mileage Charges). This charge is expressed as Pence Per Mile (PPM), and is the amount charged per mile in excess of the agreed contract mileage. This is payable at the end of the contract, but should you feel you need to adjust your contact mileage due to changes in the vehicles usage contact the finance company to explain your circumstances.

Accessories that are non-dealer fit may be considered, but please make us aware of your specific requirements at the time of order as this potentially could affect delivery times and may not be allowed by the finance company.

Ordering and delivery of your vehicle

Once you have decided to place an order with we will send you a Vehicle Order Form which will detail the full specification of the vehicle along with a finance quotation relating to your preferred product. This will be sent via Post or Email, and we ask that you sign the Vehicle Order Form and return it to us as soon as possible, no order will be placed until we have received a signed copy.

On receipt of the Vehicle Order Form we will contact you to confirm receipt and to take the deposit required to secure the supply from the relevant dealership (if applicable).

By signing the Vehicle Order Form and paying the deposit you are entering into a legal agreement to purchase/lease the vehicle based on the price and specification detailed in the Vehicle Order Form.

We cannot guarantee the price and specification detailed on the Vehicle Order Form until we have received confirmation from the Supplying Dealer that they have ordered the vehicle.

Any delivery date given (whether the same is specified in this order or has been previously or is subsequently specified) is not guaranteed by and the Customer shall have no right to demand the refund of the deposit or to cancel this order should that date not be adhered to. Furthermore, shall not be liable for any damages or claims of any kind in respect of such delay caused wholly or partly by factors outside its control.

Additionally, depending upon the delivery timescale provided by the Supplying Dealer, we cannot guarantee that the finance quotation provided at the time of quotation will still be valid at the time of delivery. All quotations are based on current monetary costs which could change in the event of any movement in rates by our Lenders.

Once the order has been confirmed by the Supplying Dealer a contract has been formed by all parties.

The terms we have negotiated with our vehicle suppliers are based on supplying individuals and businesses not associated with the motor industry, and you must make us aware of this prior to placing a vehicle order.

Vehicle Price and Deposit Payment

On receipt of your signed Vehicle Order Form you may be required to pay the dealer a deposit to secure the order. If this is the case, then the payment will need to have been received by the dealer before the order is processed.

The balance of the cost of the vehicle will be paid to the Supplying Dealer by the Finance Company that is providing your agreement on completion of the documentation.

The price quoted on the Vehicle Order Form, unless stated otherwise will include VAT. Any prices displayed on the Website are for information purposes only and do not constitute an offer by us.

Any finance transaction arranged by will be subject to status.

Taxes such as VAT, first registration fee and vehicle excise duty will be charged at the rate set on the date of invoicing, which could be different to the rate set on the date of the vehicle order form.


Prior to the signing of the Vehicle Order Form we will discuss the options available to you re delivery of your vehicle. Please note that this will depend upon the distance you are located from the Supplying Dealer and the method of transportation. The methods available are "driver-driven" delivery or via a transporter which could incur an additional cost. All vehicles will be delivered with delivery mileage, this can be estimated on requested.

There may be some locations that incur and additional charge which we will expect you to pay, but these will be discussed with you prior to signing any finance agreement.

We will advise you of the "Estimated Delivery Date" prior to placing your order but will endeavour where possible to deliver the car prior to that date.

Any delay in the delivery date may occasionally be subject to manufacturer delays and you acknowledge that delivery may occur later than the Estimated Delivery Date. We will inform you as soon as possible if we are unable to deliver the vehicle by the Estimated Delivery Date.

Where delay is caused by circumstances beyond our control we will not be liable for any damages related to the delay.

All vehicles must be insured in the name of the hirer and that they must be the main policy holder. Proof may be required at the documentation completion stage.

Please note that the statutory cooling off period observed by all finance companies applies to all vehicles and therefore no vehicle will be delivered prior to the expiry of the cooling off period.

If the vehicle you have ordered is subject to a factory order, then you acknowledge that this is outside our control and you are not entitled to the "Right of Cancellation" should there be a delay beyond the Estimated Delivery Date.

When the car is delivered the Supplying, Dealer will ask you to sign a delivery note as to the condition of the vehicle at the time of delivery. Once this is signed then it is deemed that you have accepted the condition of the vehicle.

You must make sure you check the condition of the vehicle carefully prior to signing the delivery note and should there be any damage, note it on the delivery note. You may wish to still accept delivery, but it is important you make the representative delivering the vehicle aware and note down the damage on the condition report you are asked to sign so you can take this up with the Supplying Dealer. We, or the Supplying Dealer cannot be held responsible for any damage once the delivery note or condition report has been signed if it wasn't brought to the drivers or's attention at the time.

Refund of Deposit

Once we have taken a deposit from you, you will have 14 days in which to cancel the order and receive a refund should you wish to cancel. If the vehicle order is cancelled by us due to you not taking the vehicle, or cancelled by you for any reason where we have not broken the terms of our agreement, then we shall be entitled to retain all or that part of the deposit that is reasonable for us to cover the costs incurred by us which may include arranging transport, registration or resale of the vehicle.

If the vehicle order is cancelled by you as a result of a breach by of any of the conditions of the contract, or as a result of you exercising your right to cancel following a delay in the delivery date then you are entitled to a refund of your Deposit.

After 14 days we have the right to retain any deposit paid to or to the supplying dealer if any costs have been incurred by ourselves or them upon cancellation following an order.

Vehicle Order Amendments/Cancellation

Once the Vehicle Order Form is signed and we have confirmed the order with the Supplying Dealer, the price and specification shall remain fixed unless any of the following circumstances occur;

Should you request a change to the specification and it is feasible to make those changes we will do our best to accommodate the request providing you are prepared to pay any increase in the cost price of the vehicle. If it is not feasible to make the requested changes then you accept that the vehicle will be supplied as per the original specification. Please note that you would realistically need to advise us soon after placing the order for us to be able to accommodate your request as the closer it gets to the Estimated Delivery Date the less likely any changes will be able to be made.

If the Manufacturer changes the specification or price of a "standard" vehicle prior to your Estimated Delivery Date, then you can either accept the car with the changed features or price or cancel your order and obtain a full refund of your deposit.

You will be required to pay any increase in the cost of road fund licence or the rate of value added tax as prescribed by the Government.

There may be circumstances outside of our control that could necessitate the cancellation of your order;

  • A change in the terms of our fleet terms with a manufacturer.
  •  A breach of the contract on your part.
  • Failure to accept delivery of an ordered vehicle.

The circumstances which could arise where you are entitled to cancel the order;

  • breaches the terms of our agreement
  •  Where the price of the vehicle has been increased by the manufacturer or Supplying Dealer
  • The vehicle is sufficiently damaged or does not meet the specification of the vehicle ordered.
  • You have a right under The Consumer Contracts Regulations 2014 to cancel your order for any reason without charge. You have 14 days to cancel the agreement, this will be detailed in your individual finance agreement. Any monies you have paid will be returned, this does not include any non-refundable vehicle deposit, or the Broker Service Fee as detailed in our Information Notice (which is separate to your finance contract). You will not have a right to cancel if the vehicle has been made to your specification or clearly personalised. However, this would only apply if the vehicle has been built to your specification and is beyond the normal manufacturer specific options.

If you decide to take this option, then you will be required to return the vehicle to the Supplying Dealer at your expense or allow them to collect the vehicle from you. Returning the vehicle must be done by car transporter in order keep the vehicle mileage the same. If the Supplying Dealer decides to collect the vehicle from you, we will be entitled to charge you an amount equal to the costs of recovery.

The vehicle has to be in the same condition as it was delivered and have the same mileage on the odometer until such time as it is collected or returned. You will also be required to return the registration document, both sets of keys and any other items supplied with the vehicle.

If there is any damage on the vehicle caused by you, then you will be required to pay for all costs to return it to its original condition.

Once the vehicle is back with the Supplying Dealer and has been checked for condition, damage etc. we will contact you with regard to unwinding the deal with the Lender and Supplying Dealer.

Part-Exchange Cars has arrangements with a number of dealers and traders who may purchase a vehicle you are looking to Part Exchange as part of the transaction. These third parties work independently and any offer to purchase your current vehicle is between you and the third party. will not be held responsible for any aspect of a transaction you enter into with any of the third parties.

Consumer Rights Act 2015

As a consumer, you are protected by law. Under the Consumer Rights Act 2015 any Goods purchased must be of Satisfactory Quality, Fit for Purpose and as described. On receipt of the vehicle you have the right to reject it, if it is of unsatisfactory quality or not fit for purpose, within 30 days of delivery. You will need to provide evidence that the fault was present at point of sale. Following this, the right to a repair or replacement after 30 days up to 6 months, or rejection if this cannot be achieved. For full information on the Consumer Rights 2015 please visit OR If you do not deem the vehicle to be of satisfactory quality, please contact your Lender.

Ending of your Agreement

At the end of your agreement (if applicable, based on product selected) you will/can return the vehicle to the Lender, all vehicles returned must be of satisfactory quality and returned in line with the Lender's Terms and Conditions (full details of this will be covered in your individual finance agreement).

If you wish to end your agreement early, you will need to contact your Lender. Their individual Terms and Conditions will apply, please note you may be charged a penalty to do so.


In the event that you are dissatisfied with our service, you can make a complaint to us by phone, email or post. Please see our Complaints Process. We will send you acknowledgement of your complaint within 5 working days and we will endeavor to deal with your complaints within 8 weeks. If we take longer than this or you are unhappy with our final response you can then take your complaint to the Financial Ombudsman. You can see our full Complaints Policy here.


You can contact our team in any of the following ways:

By phone: 01782 366440
By email:
By post:
Genesis Centre
North Staffs Enterprise Centre
Innovation Way

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