Finance

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Approved by the Financial Conduct Authority (FCA), we at Morgan Cars strive to get you the best package with competitive and flexible finance options available. Working with companies such as Mann Island to determine the best and most appropriate deal for you.

Whether you have an exemplary credit history, have never had finance in the past or maybe have had difficulty getting credit, we will try our best to secure the optimum deal for you.

If you wish to apply for finance yourself why not take advantage of our quick and easy finance calculators? Simply select the car you would like to finance from our Stock List then adjust the deposit amount and term to obtain a breakdown of the fixed monthly payments.

This is only a proposal at this stage, however we will be in touch with you to discuss your next move as soon as possible.

Vehicle Finance Status Disclosure for Morgan Cars Ltd


Frequently asked questions


Who are we?

Morgan Cars Ltd, are a dealership acting as a credit broker in arranging finance for vehicle transactions.

Our address is: 9 Mound Road Newry BT34 3LW Registered in

Northern Ireland. Company registration no. NI067126

Contact 02841773635

Are we authorised to arrange finance for you?

Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 673942. For more information, please visit the FCA website at: https://register.fca.org.uk/. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.

What can we do to help finance your vehicle?

We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies. There are other funders to which we cannot introduce you which may also be able to offer you finance.

We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you, we will ensure that this is based on the information you
give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.

Can we give you independent financial advice?

We are not independent financial advisers and so are unable to provide you with independent financial advice

Do you have to pay for our service or do we receive any commission?

You do not have to pay for our service but a funder or broker we work with may pay us for introducing you to them. Different funders/brokers may pay us different amounts but it will typically be based on a fixed percentage of the amount borrowed. This percentage may vary according to different factors, for example: the amount of credit; the age or type of vehicle; the type of finance product; or the funder’s assessment of the risk of lending. For your reassurance, we are not able to change the interest rate you pay in order to receive more commission from a particular broker or funder. Although rates and commissions may vary between our finance partners, our aim is always to secure finance from them which is appropriate to your circumstances and at the lowest interest rate available.

If we are successful in obtaining an offer of finance for you and you would like to know the amount (or likely amount) we would receive if you decided to go ahead with the agreement and how that amount has been calculated, please contact us using the details above

How will we use your information?

We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment.

Further details of how your information will be used by us, funders and these fraud prevention agencies, and your data rights can be found on our full DP Notice/privacy policy. A full data protection notice/ privacy policy will be provided to you before we submit any application for finance on your behalf.

We are registered as a data controller with the Information Commissioner’s Office our registration number is ZA820341

What can you do if you wish to complain about our services or contact us?

If you wish to make a complaint, please contact us:
* by writing to us at Morgan Cars Ltd – 9 Mound Road, Newry, Co.Down BT34 3LW
* by emailing [email protected] ; or
* by telephoning 02841773635

If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service (“FOS” – www.financial-ombudsman.org.uk). Please note that FOS may
not be able to deal with complaints from business customers.

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