Terms & Conditions


By using this website, the user ("user" or "you") agree to the following terms of use. If you do not agree to these terms, you should exit the website. RFLcredit reserves the right to alter the contents of this website at any time without notice to you. Your continued use of this site implies that you accept to be bound by any updated version of this site.


In considering your application the Lenders will each search your records at the other agencies (the full details of which are set out below) and will add to your credit record details of that search and your application. This will be seen by other organisations carrying out later searches.

The Lenders will also add to your credit record details of any agreement you enter into with the lenders, the payments you make under it and any default or failure to keep its terms. It is therefore very important that any information you provide to the Lender is accurate because they will check your details with the Other Agencies, and if you give them false or inaccurate information and/or they suspect fraud, this information will be recorded by them and be available to other organisations carrying out later searches.

The Other Agencies records will be used and searched by the Lenders and other organisations to:

1. Help make decisions about credit and credit related services for you and and members of your household.
2. Help make decision about motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household.
3. Trace debtors, recover debt, prevent fraud and to manage your account or insurance policies.
4. Check your identity to prevent money laundering, unless you furnish the Lenders with other satisfactory proof of identity.

In addition, the Lenders and the Other Agencies will also use these records for statistical analysis about credit, insurance and fraud.
Your application will be submitted to finance companies as required by ourselves to obtain finance for you. Your finance proposal will be submitted to the relevant finance company, in assessing your application, the finance companies will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd ( or any other credit reference agency from time to time) and checking your details with CIFAS and/or HUNTER (or any other fraud prevention agency from time to time).

The credit reference and fraud prevention agencies will each keep details of any search. This information may be used to help finance companies and other organisations assess the financial risks of dealing with you and other members of your household, to help make decisions on insurance proposals and insurance claims, to administer agreements with you, to help prevent or detect fraud or other crimes and recover debts and for statistical analysis about credit and about insurance and fraud.

If you give false or inaccurate information and fraud is suspected then this will be recorded. The finance companies may use a 'credit scoring' or other automated process in deciding whether to accept your application. This may involve searching your records again at one or more credit reference agencies (who will keep details of the search) as well as using other information they hold about you.

When a Lender has made a decision about your application, the Lender may inform any Broker and/or Dealer through whom the application was submitted of the Lender's reason for accepting it (with or without conditions) or declining it.

We confirm your consent to the use of your personal information for these purposes.

We will disclose your personal information:

- To our agents and Sub-contractors (including those based outside the European Economic Area) under a strict code of secrecy and security
- To any person to whom we transfer our rights or obligations under the agreement.
- If we are compelled to do so by law and for fraud prevention purposes.
- To licensed credit reference agencies to help us and others make credit decisions.
- To third parties to enable them to provide details of products or services you may be interested in.

Marketing Information: RFLcredit will retain information provided by you on computer. One of the ways your information will be used is to send you information or phone you about other products or services offered by or other companies. Your name, address and phone number may be given to these other companies for that purpose.

You have a right to receive a copy of the information a Lender and /or the Other Agencies hold about you if you apply to them in writing and pay a fee.