Car Finance

FINANCIAL DISCLOSURE
White Cottage Car Centre is registered in England and Wales. We act as a credit broker not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 year or over. We are only able to offer finance products from these providers.

Third-Party Finance Administration Fee Disclaimer. At White Cottage Car Centre we welcome customers who wish to arrange their own vehicle funding through an independent third-party lender. Unlike transactions processed through our approved dealership finance partners, where systems are fully integrated, dealing with external lenders requires significant additional manual administration. To cover our internal time, resources, and the extra operational expenses involved in verifying external paperwork, processing independent payouts, and ensuring compliance, a fixed administration fee of £300 (including VAT) applies to all self-arranged finance transactions.

When This Fee Applies, this fee is only applicable if you choose to fund your vehicle using an independent, third-party finance provider not directly partnered with our dealership. This fee does not apply to cash purchases, debit card payments, or finance packages arranged directly through our dealership’s approved panel of lenders. This fee is fully disclosed upfront and will be clearly detailed on your initial vehicle order form and invoice before you sign any final purchase agreement