Initial Disclosure — Vehicle Finance (Credit Broking)
Sure Automotive Ltd
Last updated: 14 February 2026
Rest Assured — we believe in clear, upfront information.
This Initial Disclosure explains our role when we help arrange vehicle finance, how we are paid, and what you can expect from us.
1) Who we are
Sure Automotive Ltd (“Sure Automotive”, “we”, “us”, “our”)
Registered office: Sterling House, Fulbourne Road, Walthamstow, London, E17 4EE
Trading address: 18 Chelmsford Rd, Dunmow, CM6 1LL
Contact details are available on our website.
If we arrange regulated finance for you, you can check our authorisation/registration status and permissions on the Financial Services Register / Firm Checker on the FCA website.
2) Our status and role
When discussing or arranging finance, Sure Automotive acts as a credit broker, not a lender. We can introduce you to lenders/finance providers and help progress an application, but the lender makes the lending decision.
We do not provide independent financial advice. Any finance examples shown on our website are for illustration only.
3) Products and lenders we work with
We may be able to introduce you to a limited number of lenders/finance providers for vehicle finance products such as hire purchase and similar regulated agreements (availability varies by lender and your circumstances). The specific lenders and products available to you will be confirmed during the finance process.
4) Fees we charge you
We do not charge you a fee for our credit broking service unless we tell you clearly in advance and you agree in writing. (If we did ever charge a fee, we would disclose how and when it’s payable and any refund position before you enter into an agreement.)
5) Commission and how we are paid
If you enter into a finance agreement that we have introduced, we may receive commission, a fixed fee, or other remuneration from the lender, a finance provider, or another third party.
Where FCA rules require it, we will disclose the existence and nature of commission/remuneration prominently and in good time before you enter into the finance agreement, and we will also explain how it may affect the amounts you pay (where applicable).
6) Your right to ask for the amount of commission
If you ask us, we will tell you the amount of commission we earn (or, if the exact amount isn’t known at that point, the likely amount) in good time before you enter into the agreement.
You can request this by contacting us via the details on our website and stating:
“Commission Amount Request” (please include the vehicle registration and/or quote reference if available).
7) Important information about finance applications
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All finance is subject to status, affordability and lender criteria.
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You should ensure the agreement is affordable for you. If you miss payments, it can impact your credit file and may lead to additional charges and enforcement action by the lender.
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We may need to collect and share information with lenders and/or credit reference agencies as part of an application (see Privacy section below).
8) Data protection
We handle personal data in line with our Privacy Policy. When you request finance, we may share relevant information with lenders/finance partners so they can assess your application and provide a decision.
9) Complaints (including finance-related complaints)
If you’re unhappy with our service, please raise it with us first and we will investigate fairly and promptly.
Where your complaint relates to regulated finance/credit broking, we will provide a final response within 8 weeks unless FCA rules allow a different timeframe in specific circumstances.
If you remain unhappy after our final response (or if you have the right to do so due to time limits), you may be able to refer your complaint to the Financial Ombudsman Service (FOS).
10) Accessibility and support
If you need us to communicate in a different way (for example, email only, large print, or via a trusted representative), tell us and we’ll make reasonable adjustments.