Terms & Conditions

Terms & Conditions

The website www.goodorbadcarcredit.co.uk (“the Site”) is a site operated by Cheshire Motor Traders Limited, trading as ‘Good Or Bad Car Credit’ (“We, Us, Good or Bad Car Credit”). We are registered in The United Kingdom under company number 09360301 and our registered office address is Cheshire Motor Traders Ltd, Bridge Garage, 529 Wilbraham Road, Chorlton, Manchester, M21 0UE. We are a limited company authorised by the FCA, We act as a credit broker and not a lender.
The website www.goodorbadcarcredit.co.uk permits the user of the website to provide personal data and information to Cheshire motor traders limited so we can assist in providing a service

It is your obligation to read these Terms & Conditions carefully, they protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site and by accessing and continuing to use this Site you agree to act in accordance with these Terms & Conditions.

By accessing web pages, you agree that you will access the contents solely for private use and not for any commercial or public use. Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, broadcast, modify, or show in public any part of the website save for the purposes as laid out in these terms and conditions without the prior written permission of Good or bad car credit or in accordance with the Copyright.

You must not under any circumstances attempt to gain unauthorised access to our site, the server on which our site is stored or any computer, database or server connected to our site. You must not seek to undermine the security of the site in any way. Without limitation, you must not attempt to alter or delete any information that you are not authorised to access, attack our site.

Third party websites – by using our website you may be able to directly access third party websites. We do not own, operate or control such third party websites and are not responsible for their content.




We do our utmost to ensure that the information on the Site is accurate, reliable and helpful. However, the information is general in nature, and is intended as a guide only to the types of products and services offered.

All vehicle descriptions are supplied by dealers therefore good or bad car credit shall not be held responsible for any related errors or emissions on pricing or vehicle description. Good or bad car credit has the right to refuse a sale or adjust any details up until an order has been received in writing from the customer at an agreed price set by Good or bad car credit.

Any loan or other product or service which you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.



The Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. We make no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied.

Neither the Site nor the information derived from it constitutes an offer by Good or Bad Car Credit. Prices contained within the site and/or Quotations obtained are subject to confirmation. We have the right to decline any proposal. No contract will be binding on Good or Bad Car Credit unless it is in writing and signed by a duly authorised representative of Good Or Bad Car Credit.

Any photographs and colours used in the site are for illustrative purposes only and do not form part of any contract nor do we accept ownership of the photos.

Neither Good Or Bad Car Credit nor its directors, representatives or employees, accept any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Site, and the information supplied in connection therewith.

By using the Site the user further agrees to indemnify and hold us harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Site.

The Site contains links to other websites. When you activate any of these links, you will leave the Site and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience and any such link does not imply endorsement by us of a website or any association with the operators of a website.


To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstances.

In assessing your car loan application, we will make enquiries about you by searching your records held by Equifax Plc and/or Experian Ltd and other public references such as google. You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated process in deciding whether to accept your application. Your information may also be sent to a third party Such Moneybarn Ltd, The Funding Corp, Oodle, RAC, Blue Motor Finance, Shawbrook Bank, Creditas Financial for further loan/insurance option purposes. Loan offers will be valid for 30 days.


Used Cars Supplied by Good Or Bad Car Credit

Cars supplied by Good Or Bad Car Credit will be covered by a car warranty for a minimum of 6 months. It is the customer’s responsibility to be fully aware of the parts not covered by the car warranty (if any). The car is supplied on the basis that the client understands Good Or Bad Car Credit will not rectify or compensate for any car repairs outside of the car warranty.  For further information visit our car warranties explained page.

Upon delivery of a vehicle supplied by Good Or Bad Car Credit you must inspect it and sign for its acceptance. If you allow another individual to do this, it will be taken that they are acting fully on your behalf and that you personally have accepted the vehicle. If you require a test drive of the vehicle, you need to notify the driver who will allow you to do so.

The customer has a 14 calendar days notice period from delivery, for notification of any mechanical or body defects providing they are not commensurate with the vehicle age and mileage or notified to you before delivery.

Cancellation after accepting the vehicle will only be allowed provided the goods are deemed faulty and that Good Or Bad Car Credit cannot repair such items within 30 days.

If you are purchasing the vehicle using finance, you need to refer to the lenders terms and conditions. This does not affect your statutory rights as per distance selling rights.


Data control

If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. An enquiry will be made with Credit Reference Agencies, who will record it so that it can be viewed by other Agency users. Your information will also be checked with fraud prevention agencies and if fraud is suspected Good Or Bad Car Credit will record this and those details will be shared with other organisations.  You may be treated as financially linked and your application will be assessed with reference to any “associated” records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

  • Disclose information about your joint applicant and anyone referred to by you
  • Authorise Good Or Bad Car Credit to search, link or record information at credit reference agencies about you and anyone referred to by you

You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. By agreeing to the terms and conditions when making your application, you are giving your consent for your information to be used by Good Or Bad Car Credit for administrative, underwriting, marketing and revenue purposes. This may include partners or related 3rd parties.



At the request of the customer, Good Or Bad Car Credit will disclose to the customer, in good time before a regulated credit agreement or a regulated consumer hire agreement is entered into, the amount (or if the precise amount is not known, the likely amount) of any commission or fee or other remuneration payable to Good Or Bad Car Credit by the lender or owner or a third party.

Good Or Bad Car Credit reserve the right to charge an administration fee to cover the cost of sourcing a suitable vehicle or vetting an appropriate dealer. The administration charge is kept to a minimum to cover costs only. In the event of a cancelled order by the client, or the client changing supplier the administration fee will not be returned by Good Or Bad Car Credit.

Road fund licences and insurance arrangements a your responsibility to make sure the vehicles complies with all laws and regulations

Good Or Bad Car Credit is a broker and vehicle supplier, strictly governed by its relationships with lenders and dealers, and cannot be held responsible for any change to vehicle specification or finance rates or any other variable outside of its control so imposed by those companies.

Quotes generated by the ‘finance quote’ form are powered by the vehicle and finance settings chosen by the user. All the quotes are subject to change. The quotes will not take into account any customer information or circumstances which can affect an individuals chance of getting finance for a vehicle. The figures provided by this form are quotes and do not represent an acceptance for a loan of any kind.

You will be provided with a standardised form with any credit agreement called Standard European Consumer Credit Information (SECCI). This document allows you to see exactly what your finance agreement contains.

If you have a complaint please follow the complaints procedure available on our complaints page.

If 8 weeks has passed since making your complaint and you are still not happy then you may contact the Financial Ombudsman Service (FOS). On 0300 123 9 123 or 0800 023 4567
We are governed by UK and EU laws and registered with the Financial Conduct Authority under reference 747045


Cancellation Policy

The customer has 14 days from the date of funding to cancel the agreement with no penalty.

If the car is delivered the customer has 14 days from the day of delivery to cancel without penalty under the Distance Selling Act. The vehicle supplier has the right to claim reasonable compensation for any true costs incurred.

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