The Car Loan Centre

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Frequently Asked Questions

We pride ourselves on being able to consider applicants who have been turned down elsewhere. Every customer's application is assessed by an individual; we do not rely on computer generated credit scores.

We are a lender not a broker; we make our own decisions and write our own loans. So even if you've been refused elsewhere, we are in a position to say YES. We are regulated and fully approved as a lender by the Financial Conduct Authority (FCA) and also Specialist Automotive Finance Approved by the Finance & Leasing Association.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Our underwriting process is based on you and your affordability, using your bank statements to determine a monthly figure that is affordable for you. We also perform a credit search to review your financial history which assists the final lending decision but remember we consider all circumstances.

Our underwriting process is as follows,

We start by requesting a few documents:

  • Proof of ID
  • Proof of Address
  • Last few months' bank statements

Secondly, we perform a credit search to review your financial history. Once this has been completed, one of our underwriters will determine your affordability by reviewing your income and expenditure using your bank statements. On completion of this we will be able to determine a monthly figure that is affordable to your individual circumstances. Once approved you are passed back to your Sales person to arrange a Collection/Delivery date for your new vehicle.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

We do not base our decision on your credit score. We are a specialist company who help people who may have had trouble obtaining finance elsewhere. We do this by looking at your affordability as opposed to credit scoring. So long as you have a full licence, aren't currently bankrupt and can afford the repayments, we should be able to help!

We do however perform a credit search to review your financial history, but our final lending decision is not solely based on this.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

To apply for finance with The Car Loan Centre you must meet the following criteria:

  • Aged 18 or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • UK resident
  • Employed/Self-Employed or Unemployed considered
  • 100% Benefits income accepted
  • CCJs, Defaults, Arrears, Ex-Bankrupt all considered

Even if you have been declined elsewhere we could help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes, we could help! We base our decision on you and your affordability as opposed to your credit score or your past. So whether you have a history of bad credit or no credit history at all we could help you.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes! We pride ourselves on being Bad Credit Car Finance Specialists, as we base our decision on you and your affordability as opposed to your credit score or your past. Even if you have CCJs, Defaults, Arrears, are on Benefits or Ex-Bankrupt, we could help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes! We are a specialist company who help people who may have had trouble obtaining finance elsewhere. We do this by looking at your affordability as opposed to credit scoring, so as long as you have a full licence, you are not currently bankrupt and can afford the repayments, we should be able to help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Of course! We base our decisions on you and your affordability, which includes your benefit income, as opposed to your credit score or your past.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Absolutely! Our lending criteria isn't based solely on your financial history - it's also based on whether payments are within your budget. If you are ex-bankrupt and have been discharged, even for one day, then we will still consider you for our vehicle finance.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Even if you are self-employed, we could help. We are Bad Credit Car Finance Specialists, and we base our decision on you and your affordability (even if this is from a self-employed income) as opposed to your credit score or your past.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

An application for finance will only be approved if the person applying has a full valid UK/EU Driving Licence. If you are making a joint application, at least one of the applicants must have a full valid UK/EU Driving Licence.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

We can accept finance applications from anyone over 18 years of age. Our lending is subject to your circumstances so we can consider those in full time education and those in employment now or seeking employment.

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The whole processing time depends on each customer's individual circumstances and when our underwriters receive all of your documents. In many circumstances, customers have driven out on the same day!

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We only offer our specialist finance on our own vehicles, but we have 100's of cars in stock at all times so there is always something for everyone. If you can't find what you were looking for, speak to one of our sales consultants as we can source vehicles on request.

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Yes this is something we can do but it would depend on your particular circumstances and the value of your current vehicle.

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Yes! We have nationwide delivery available, so whether you're in Newquay or Newcastle, we can deliver! (fees may apply) Alternatively, we can support you in coming to collect your vehicle where a cup of tea or coffee will be waiting!

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The repayments would depend on the deposit amount you are able to pay, the contract term, and the car itself. It is best to speak to a Sales Consultant if you have a budget in mind, as they will be able to assist you in choosing a car.

Don't worry, we ensure that your finance plan is tailored to you!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

No, you do not need a guarantor to apply for car finance with us, but we are happy to accept joint applications. We are a specialist company who help people who may have had trouble obtaining finance elsewhere by looking at your affordability as opposed to credit scoring. So long as you have a licence, aren't currently bankrupt and can afford the repayments, we should be able to help!

Alternatively, you can choose to process a joint application.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

A credit score is the numerical value calculated from information in your credit file that is used by most lenders and others to assess your "credit risk" at that time. A total number of points - a credit score - help to predict how creditworthy you are. That is to say, how likely you are to repay a loan and make the payments on time. Credit reference companies calculate scores in different ways, but all use a complex mathematical model to take into account factors like payment history, amounts owed, length of credit history, new credit, and types of credit, among others.

This score changes over time to accurately reflect your current financial behaviour. In order to ensure that credit reports are fair for everyone, certain factors are not included in your score. To name just a few, race, religion, national origin, sex, age, salary, and any other information not proven to be predictive of future credit performance are never included in calculating your score.

A large number of lenders use a credit score to make a decision about your application. Often the process is automated, and your credit score will determine whether your application is approved.

As a lender, we do not use a credit score, preferring to consider your affordability; namely, your current circumstances and your ability to pay.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

A credit search is a report of your financial history. For the most part, your history of paying credit accounts and other bills. Credit Reference Agencies provide information received from credit reporting companies, like credit card companies and banks, that can be made available to a third party, like lenders. In addition to identifying information, credit reports include information like the number and types of accounts that you have, payment history, collection actions, outstanding debt, age of your accounts, and any public records among others. It also includes a list of credit searches that have been carried out on you and any related party. Whenever you apply for a credit card, loan, etc., the company you apply to requests a copy of your credit report from one of the credit reporting agencies.

As a lender, we always ask your permission to carry out a credit search, but it is a standard part of our application process. We would not be able to fully assess your application if you are unwilling to have a search carried out. However, we do not solely base our decision on this information.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Although we consider many circumstances, nobody can offer guaranteed car finance. We are Bad Credit Car Finance Specialists and we base our decision on you and your affordability, as opposed to credit scoring like other lenders.

Read more about our specialist car finance

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

We pride ourselves on being able to consider applicants who have been turned down elsewhere. Every customer's application is assessed by an individual and we do not rely on computer generated credit scores.

We are a lender not a Broker; we make our own decisions and write our own loans. So even if you've been refused elsewhere, we are in a position to say YES. We are regulated and fully approved as a lender by the Financial Conduct Authority (FCA) and also Specialist Automotive Finance Approved by the Finance & Leasing Association.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

A logbook loan is a quick and easy way for you to get a loan. The loan is secured against your vehicle and our decision is based on your affordability and not on your credit score. The money could be in your bank account on the same day as applying. You may have considered other options before applying with us and been turned down from other sources, but we consider all circumstances so no matter how bad your credit rating is, we could help you! When you apply with The Car Loan Centre, we assess your application based on your current circumstances to ensure that the loan is suitable for you.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Although we consider all circumstances, nobody can guarantee that you will be accepted. We are a specialist company and we base our decision on you and your affordability, as opposed to your credit score.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes, we could still help! We base our decision on you and your affordability as opposed to your credit score or your past. So whether you have a history of bad credit or no credit history at all, we could help you.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes! We promise to match any rate on a comparable product. This means that you cannot get a better deal on the same product than with us!

In order for us to match the rate offered by another lender, you will need to provide written proof of the offer. This must be no older than 7 days.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Most Logbook Loan providers process Logbook Loans as a Bill of Sale, which is a certificate of the transfer of personal property. This differs from us as we process our loans as a Hire Purchase agreement, giving you more protection should you fall into difficulties and more peace of mind.

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We typically lend between £1,000 and £10,000 and the amount you can borrow can be up to 70% of the trade value of your vehicle.

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That's up to you, whether that be home improvements, a holiday, business venture or anything else you can think of - it's your money, after all.

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One of the reasons that our Logbook Loans are so popular is that the money can be in your account in just one day from approval!

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Our loan terms range from 18 - 48 months, but if you wish to repay your loan early you will benefit from an early settlement discount.

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Your loan is secured against the car. While we will hold the title until the loan is repaid and register our interest against the vehicle with HPI, you can continue to use your car just as you always have done. A tracker will be fitted to the car, but there will be no changes to your use of the vehicle! You are also free to sell your car once the balance of the loan has been settled.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Application for a logbook loan is fast and easy. You only need to supply:

  • Your car's Logbook (Logbook must be in your name or your fellow applicant's name if it is a joint application)
  • Valid MOT certificate
  • Proof of ID
  • Proof of residency
  • 3 months of bank statements
  • Proof of fully comprehensive insurance

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

To apply for a logbook loan with The Car Loan Centre, you must meet the following criteria:

  • UK Resident
  • Over 18 years old
  • Legal owner of the vehicle you are applying to borrow against (Logbook must be in your name or your fellow applicant's name if it is a joint application)
  • Car must have fully comprehensive insurance (proof will be required)
  • Employed/Self Employed or Unemployed considered
  • 100% Benefits income accepted
  • CCJs, Defaults, Arrears, Ex-Bankrupt all considered

Even if you have been declined elsewhere, we could help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Yes! We base our decision on you and your affordability as opposed to your credit score or your past. Even if you have CCJs, Defaults, Arrears, Ex-Bankrupt or are on Benefits, we could help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Sure! We are a specialist company who help people who may have had trouble obtaining credit elsewhere. We do this by looking at your affordability as opposed to credit scoring, so we should be able to help anyone who can afford the repayments.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Of course, we base our decision on you and your affordability. This includes your benefit income as opposed to your credit score or your past.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Absolutely! Our lending criteria isn't based solely on your financial history - it's also based on whether payments are within your budget. If you are ex-bankrupt and have been discharged, even for one day, then we will still consider you.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Even if you are Self-Employed we could still help. We base our decision on you and your affordability (even if this is from a self-employed income) as opposed to your credit score or your past.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

We can accept applications from anyone over 18 years of age. Our lending is subject to your circumstances, so we can consider those in full time education and those in employment or now seeking employment.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Once we have your desired loan amount, the first thing we will do is work out the trade value of your car. This will give us the figure for the maximum amount we are able to lend against the vehicle.

Full documentation will then be required, which is:

  • Proof of ID
  • Proof of Address
  • 3 months of bank statements

Our underwriters will determine your affordability using your bank statements and review your financial history which will assist in the final lending decision, but remember, we consider all circumstances.

Once fully underwritten and approved, the money can be in your account on the same day!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

We do not base our decisions on your credit score. We are a specialist company that help people who may have trouble obtaining a loan elsewhere. We do this by looking at your affordability as opposed to credit scoring, so as long as you have a full licence, you aren't currently bankrupt and can afford the repayments, we should be able to help!

We do however perform a credit search to review your financial history, but our final lending decision is not based solely on this.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

The whole processing time depends on each customer's individual circumstances and when our underwriters receive all of your documents. In many circumstances, customers have been approved and received their money on the same day as approval!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

The repayments for the loan would depend on the total amount borrowed and the total length of the loan. You can use our handy calculator to get an idea of what your monthly payments might be.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

No, You do not need to have a guarantor for our Logbook Loans, but we are happy to accept joint applications. We are a specialist company who help people who may have had trouble finding finance elsewhere. We do this by looking at your affordability as opposed to credit scoring; so as long as you aren't currently bankrupt and can afford the repayments, we should be able to help!

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

A credit score is the numerical value calculated from information in your credit file that is used by most lenders and others to assess your "credit risk" at that time. A total number of points - a credit score - help to predict how creditworthy you are i.e. how likely you are to repay a loan and make the payments on time. Credit reference companies calculate scores in different ways, but all use a complex mathematical model to take into account factors like payment history, amounts owed, length of credit history, new credit and types of credit, among others.

This score changes over time to accurately reflect your current financial behaviour. In order to ensure that credit reports are fair for everyone, certain factors are not included in your score. To name just a few, race, religion, national origin, sex, age, salary and any other information not proven to be predictive of future credit performance are never included in calculating your score. A large number of lenders use a credit score to make a decision about your application. Often the process is automated and your credit score will determine whether your application is approved.

As a lender, we do not use a credit score, preferring to consider your current circumstances and your ability to repay.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

A credit search is a report of your financial history - for the most part, your history of paying debts and other bills. Credit Reference Agencies provide information received from credit reporting companies, like credit card companies and banks, that can be made available to a third party, like lenders. In addition to identifying information, credit reports include information like the number and types of accounts you have, payment history, collection actions, outstanding debt, age of your accounts, and any public records among others. It also includes a list of credit searches that have been carried out on you and any related party. Whenever you apply for a credit card, loan etc. the company you apply to requests a copy of your credit report from one of the credit reporting agencies.

As a lender we always ask your permission to carry out a credit search, but it is a standard part of our application process and we would not be able to fully assess your application if you are unwilling to have a search carried out. However, we do not solely base our decision on this information.

Still have questions? Request a callback Request a callback for a no obligation chat with us, or click here to chat with us now!

Here you will find a breakdown of all the logbook loan and car finance jargon that you may come across. So, if you've ever been left pondering what a certain term means, browse our A to Z list of car jargon examples below, where we have the various financial jargon explained. Of course, if you need any further information or any other car jargon explained, just contact our team by giving us a call or sending us an email.

Why not take a look at our car finance or logbook loans, as well as view our current range of vehicles for sale.

A

This is the term over which you agree to repay the finance amount. This is often expressed as 12, 24, 36 or 48 months, where you are required to make the repayments monthly. It will be adjusted if the car finance you require is repaid weekly.

APR stands for the Annual Percentage Rate of charge. An APR is one of the most useful comparison tools for similar types of product, like comparing one credit card or loan to another. The APR considers not just the interest on the loan but also other charges you have to pay. For example, any arrangement fee.

Any money owed by you to the lender that's overdue is described as being in arrears. If you are in arrears on a loan through us, for example, you should contact us and let us work with you to resolve the situation.

B

Breakdown cover provides assistance should your car breakdown away from home or even at your home address, subject to the cover provided. In most instances, it offers recovery to your home or a garage that you request. Different products offer different levels of breakdown cover. You should select the breakdown cover that's appropriate for your needs.

At The Car Loan Centre, we take steps to protect you from this with our 5* warranty cover. This includes 6 months' free breakdown cover as standard, including home start and recovery to a local garage of your choice. For information, please speak to our sales team to extend your level of cover.

Whereas we use Hire Purchase (HP) agreements for our Logbook Loans, many lenders use Bills of Sale to secure theirs. The laws governing Bills of Sale were passed in 1878 and 1882. As they have been around for so long, they lack many of the protections found in more modern agreements like our Hire Purchase agreements. You should always be careful and make sure you know what you are signing up to!

C

This stands for the Consumer Credit Directive. This is an EU directive designed to improve the disclosure of information to consumers.

The Consumer Credit Act provides a statutory cooling off period of 14 days. Should you wish to withdraw from a credit agreement during the cooling off period when buying a car, you should contact the lender before the expiry of the 14 days. If you have bought goods on credit and decide to withdraw from the agreement, you may still be responsible for the purchase price of the goods.

A credit agreement is a formal document that contains the terms upon which a lender has agreed to lend to you and sets out your obligations to repay the loan. If you are a consumer, that agreement will be in a form prescribed by the Consumer Credit Act.

You will sometimes hear companies refer to the credit agreement as a finance agreement instead.

Your credit history is a record of your borrowing behaviour and is based on information supplied to Credit Reference Agencies (CRAs). This may include finance agreements, bank account or utilities information and is something a lender will consider when deciding to lend.

Credit rating (also known as a 'credit score') is an indication of how Credit Reference Agencies rate your credit behaviour. Your credit score is made up of different factors such as your payment history or level of credit. Different Credit Reference Agencies may score you differently.

At The Car Loan Centre, we do not use your credit score as we understand that your rating may not reflect your current circumstances or your ability to repay the finance. We manually assess each application to ensure the product you take is affordable to you.

Credit scores (also known as a 'credit rating') are a numerical value calculated from information in your credit file. This score is used by most lenders and others to assess your "credit risk" at the time of applying. Although credit reference companies calculate scores in different ways, overall a mathematical model is used to take into account factors such as your payment history, amounts owed, length of credit history, new credit, and types of credit, among others.

Most lenders will use your credit score to make a decision about your application. Your credit score will determine whether your application is approved, as the decision is often automated based on this numerical value.

As a lender, we do not use a credit score, preferring to consider your affordability; namely, your current circumstances and your ability to pay.

A credit search is a search undertaken to identify your credit history. It's undertaken by most lenders to establish what your credit history is. Too many searches over a short period can affect your ability to obtain credit and your overall credit score. A search will remain on your credit history for one year. If you obtain credit, the lender will appear on your credit report.

Is the initial payment you put down towards the car at the start of the finance agreement. The larger your deposit, the lower your monthly repayments. Your deposit will be shown on your credit agreement.

D

Depreciation is the amount of value a vehicle loses over time. You should be aware that if you pay for a vehicle with a finance agreement over many years, it will be worth less at the end of the agreement than the amount the vehicle was sold for.

This is a fee usually charged at the start of the finance agreement. It's paid to lenders to cover their administrative cost, such as issuing relevant documentation and setting up the finance. It's also known as an acceptance fee, an administration fee or handling fee and is included by lenders when calculating the APR.

E

This is when you decide to end the finance agreement before its contractual expiry date. If you repay your finance early, depending on when you repay, you may be entitled to a rebate on the total amount that you are scheduled to pay.

F

FCA is the acronym for the Financial Conduct Authority. They regulate financial markets in the UK and approve lenders and brokers. The Asset Exchange Ltd, trading as The Car Loan Centre, are fully authorised and regulated by the FCA. Our FCA reference number is 729827.

If a lender or broker is not on the FCA register, they are not authorised, and a consumer may not be protected when using them.

This is a set rate of interest which will apply to the credit agreement throughout the term of the agreement and will not change. It is the annual rate applied to your account and should not be confused with APR.

G

Guaranteed Asset Protection (GAP) is a type of insurance which covers the difference between the original cost of the car and its value should the vehicle be written-off or stolen. Most GAP products cover the difference where traditional motor insurance pays less than the purchase price of the vehicle.

H

The handling fee also known as an administration fee, acceptance fee or document fee is usually charged at the beginning of the finance agreement. Paid directly to the lenders, it will usually cover any administrative cost, such as issuing documentation or setting up the finance agreement. This fee is included by lenders when calculating the APR.

This is sometimes shortened to HP. Hire purchase is a finance deal that normally involves putting down a deposit and then is repaid with fixed monthly instalments. You don't own the car until the debt is fully repaid. You pay the option to purchase fee at the end of the agreement, once you have paid the final instalment. The option to purchase fee once paid means you own the vehicle. A Hire Purchase agreement is a type of credit agreement.

J

It's possible to apply and sign a finance agreement with two or more people. Together, they're responsible for repaying the loan or finance agreement.

L

The Loan to Value is relevant to our Logbook Loan product and tells you what we will lend compared to the value of the vehicle. We always use trade values to value a vehicle, which is the amount a motor trader would expect to pay for the vehicle, so don't be surprised or offended if the amount comes back as a little less than you first expected. If we offered, for example, a 70% LTV, that means we would be willing to lend you 70% of the trade value of your vehicle, with the loan secured on your vehicle.

A logbook loan is a loan secured on your vehicle. It is a way for you to unlock the equity you have in your vehicle, and you are not limited in what you can spend the money on. You can use this type of loan for any reason.

You do need to remember that, until you pay the loan off, it's the loan company and not you that owns the vehicle. You won't be able to sell it or use it to secure any other finance. Once you've paid the loan off, the title to the car passes back to you, which means you own it again. Always check the terms and conditions of a Logbook Loan. Where our Logbook Loans are done using Hire Purchase, many lenders use a Bill of Sale to secure the loans. Bills of Sale have been around since 1878, and offer fewer protections than the Hire Purchase agreements that we use.

P

This refers to trading in your old car and using it as a contribution towards a new one. Contact us today if you wish to discuss this and other available options.

Q

Also known as a soft search. It's a type of credit search which doesn't leave a trace on your credit file. It's used to give finance companies an indication of risk and to decide how much they can offer you.

S

Also known as a quotation. Soft search is used by finance companies to get an indication of risk and to decide how much they can lend you. A soft search is a type of credit search which will not leave a recorded trace on your credit file.

T

This is used to describe the length of time you'll be paying off the finance agreement, for example, 18 months.

This is the total amount, including the loan, total cost of credit, interest and fees, which you'll repay the lender over the term of the agreement.

W

Cover for your vehicle to give you peace of mind. The Car Loan Centre provide 6-month warranties on all vehicles sold, and you can choose to extend the warranty for an extra cost if you wish. Although our warranties offer 5* cover, some items are not covered, and you should read your warranty carefully. Our warranties come with recovery to a local garage and home start as standard. It may be that a warranty from a different service provider is more suitable for you. If you decide this is the case, you might want to purchase it independently.

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The Car Loan Centre is a trading style of The Asset Exchange Ltd. The Asset Exchange Ltd is authorised and regulated by the Financial Conduct Authority, firm reference 729827. Registered Address: The Car Loan Centre, 77 Wollaston Way, Burnt Mills Industrial Estate, Basildon, Essex, SS13 1DJ, registered company no: 08679485.

We are a lender, and not a broker, and operate with a flat interest rate for all customers. We pay our sales team a flat rate of commission for vehicles sold, and this does not affect the terms of your agreement, nor is it affected by your choice of vehicle or the terms of your finance. We may receive commission from other third parties as a fixed fee or fixed % of commission to us for introducing you to their services with your consent. If you elect to purchase one of these 3rd party products/services we may pay our sales person an additional commission for this, For example if you choose to take an extended warranty. If you would like a breakdown of all third parties who may pay us a commission in certain circumstances this can be provided on request.