Finance

KCS of Surrey have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

2 Minute Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.

About our regulated services 

1.1 Who regulates us?

KCS OF SURREY, 29-33 Brighton Road Addlestone Surrey KT15 1PG is authorized and regulated by the Financial Conduct Authority. Our FCA Register number is 644001

Our permitted business is advising on financial services. You can check this on the FCA'S Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 03005008082.

1.2 Which service will we provide you with?

We are a credit broker and not a lender. We can introduce you to carefully selected lenders whose products include Hire Purchase and Personal Contract Purchase to fund car buying and additional products. We are not an independent financial advisor. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. 

1.3 What commission arrangements do we have with our lenders?

Whichever lender we introduce you to, we will typically receive commission from them; either as a fixed percentage of the amount borrowed or a fixed fee. Where a fixed fee, the amount of commission may be influenced by your creditworthiness and the risk of lending to you, otherwise known as 'rate for risk' The higher the risk, the higher the band of interest rate charged to the borrower typically resulting in less commission paid to us from the lender due to the increased risk of default or cancellation. The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement. 

1.4 Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS (www.fcsc.org.uk). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. 

1.5 How do I make a complaint or provide feedback?

Email [email protected] or write to KCS OF SURREY 29-33 Brighton Road Addlestone Surrey KT15 1PG 

2. Vulnerable Customer Policy

KCS OF SURREY has a Vulnerable Customer Policy. If there are any situations which mean it is difficult for you to make an informed decision within the car buying process, including how to fund the vehicle and/or if you usually have the help of a third party for such decisions, please let us know and we will endeavor to provide appropriate assistance. 

3. KCS OF SURREY Data Protection & Privacy Notice

KCS OF SURREY adheres to the Data Protection Act 2018. Information you provide will be used in connection with car purchase, administration, policy renewals and by KCS OF SURREY's finance providers if you use our finance facility. 

For more information on how we process your data please see our Privacy Notice at www.kcsofsurrey.co.uk/privacy-policy.php;

To request a copy of this personal data please write to: Data Controller, KCS OF SURREY 29-33 Brighton Road, Addlestone, Surrey KT15 1PG .