Please read these terms carefully before using our services
Last Updated: January 2, 2026
These Terms and Conditions ("Terms") govern your use of Klub Finance's website and services. By accessing our website or applying for car finance, you agree to be bound by these Terms.
Klub Finance is authorised and regulated by the Financial Conduct Authority (FCA) to provide credit brokering services in the United Kingdom. We act as a credit broker and not a lender.
Company Information
Company Name: Klub Finance Limited
Registered in: England and Wales
Registered Office: London, United Kingdom
FCA Registration: Authorised and Regulated by the Financial Conduct Authority
"We", "Us", "Our" refers to Klub Finance Limited
"You", "Your" refers to the applicant or customer
"Services" means the credit brokering services we provide
"Website" means klubfinance.com and all associated pages
"Finance Provider" means the lender who provides the actual finance
"Application Fee" means the £20 non-refundable processing fee
"Agreement" means the finance agreement between you and the Finance Provider
We act as a credit broker, introducing you to Finance Providers who may be able to offer you car finance. We do not lend money ourselves. We work with a panel of lenders to find suitable finance options for your circumstances.
Submitting an application and paying the Application Fee does not guarantee that you will be approved for finance. All lending decisions are made by the Finance Providers based on their own criteria and risk assessment.
We may receive commission from Finance Providers if your application is successful and you enter into a finance agreement. This does not affect the amount you pay for the finance. The commission amount varies depending on the Finance Provider and the finance product.
To apply for finance through Klub Finance, you must:
You must provide accurate, complete, and truthful information in your application. Providing false or misleading information may result in your application being rejected and could constitute fraud. We reserve the right to verify any information you provide and may request additional documentation.
By submitting an application, you authorise us and our Finance Providers to:
These searches will be recorded on your credit file and may be visible to other lenders.
Any finance agreement you enter into will be directly between you and the Finance Provider. We are not a party to that agreement. The terms of the finance (including interest rates, repayment terms, and any fees) are determined by the Finance Provider.
Important: You must read and understand the Finance Provider's terms before signing any agreement.
Under the Consumer Credit Act 1974, you have a statutory right to withdraw from a credit agreement within 14 days of signing it. This is a cooling-off period provided by law. The specific terms of withdrawal will be outlined in your finance agreement with the Finance Provider.
If you enter into a finance agreement, you will be legally obligated to:
Warning: Missing payments can seriously damage your credit rating and may result in the vehicle being repossessed.
We are committed to responsible lending practices in accordance with FCA regulations. We will:
Think carefully before securing debts against your vehicle
Your vehicle may be repossessed if you do not keep up repayments on a finance agreement secured against it.
We take your privacy seriously and comply with UK GDPR and the Data Protection Act 2018. By using our services, you consent to us collecting, processing, and sharing your personal data as described in our Privacy Policy.
We will share your information with:
You may use our website for lawful purposes only, specifically to research car finance options and submit applications. You must not use the website in any way that breaches applicable laws or regulations.
You must not:
All content on this website, including text, graphics, logos, and software, is the property of Klub Finance or our licensors and is protected by UK and international copyright laws. You may not copy, reproduce, or distribute any content without our written permission.
8.1 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by UK law.
8.2 We are not liable for any decisions made by Finance Providers. We do not guarantee that you will be offered finance or that any particular terms will be available.
8.3 We are not responsible for the accuracy, quality, or condition of any vehicle you may purchase using finance arranged through our services.
8.4 To the extent permitted by law, our total liability to you in connection with these Terms shall not exceed the amount of the Application Fee paid by you (£20).
8.5 We are not liable for any indirect, consequential, or special losses, including loss of profits, loss of business, or loss of data.
8.6 While we take reasonable steps to ensure our website is secure and free from errors, we do not guarantee uninterrupted or error-free access to the website.
If you are unhappy with our service, please contact us immediately so we can try to resolve the issue:
Email: [email protected]
Phone: 0800 123 4567
Address: Complaints Department, Klub Finance, London, United Kingdom
We will acknowledge your complaint within 5 business days and aim to provide a final response within 8 weeks.
If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service (FOS):
Website: financial-ombudsman.org.uk
Phone: 0800 023 4567
Address: Financial Ombudsman Service, Exchange Tower, London E14 9SR
We reserve the right to suspend or terminate your access to our website and services at any time if:
Termination does not affect any rights or liabilities that have already accrued. The Application Fee is non-refundable even if your access is terminated.
We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we will:
Your continued use of our services after changes are made constitutes acceptance of the updated Terms.
These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
As a consumer, you may also have rights under UK consumer protection legislation, including the Consumer Rights Act 2015 and the Consumer Credit Act 1974.
Our website may contain links to third-party websites, including Finance Provider websites and payment processors (such as Stripe). We are not responsible for:
You access third-party websites and services at your own risk. Please review their terms and policies before using them.
If any provision of these Terms is found to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the original intent.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Klub Finance regarding your use of our services. They supersede any prior agreements or understandings, whether written or oral.
If you have any questions about these Terms and Conditions, please contact us:
Non-refundable, covers credit checks and processing
We introduce you to lenders, we don't lend directly
Authorised and compliant with UK finance laws
Approval depends on lender criteria and affordability
Your Vehicle May Be Repossessed
Think carefully before securing debts against your vehicle. Your vehicle may be repossessed if you do not keep up repayments on a finance agreement secured against it.
Credit Checks Will Affect Your Credit File
When you apply for finance, we and our Finance Providers will conduct credit searches that will be recorded on your credit file. These searches may be visible to other lenders and could affect your ability to obtain credit in the future.
Missing Payments Can Damage Your Credit Rating
If you enter into a finance agreement and miss payments, this will be recorded on your credit file and can seriously damage your credit rating, making it harder to obtain credit in the future.
Get Independent Advice
If you are unsure whether you can afford finance or have any concerns, we recommend seeking independent financial advice before proceeding. Free debt advice is available from organisations such as Citizens Advice and StepChange.