Short answer:
No fees to customers. We don’t charge you to use our platform or to receive quotes.We’re paid by lenders (and sometimes product providers). If you go ahead with a finance agreement or add-on product we introduce, we may receive a commission from the lender or provider.No discretionary commission arrangements. We do not use commission models that link our income to increasing your APR.Ask us any time. Before you sign, you can ask for the nature and amount of commission we’ll receive for your agreement, and we’ll tell you.
Lender commission (most common).Ancillary product commission (if you choose extras).Dealer/introducer payments (where applicable).Our role is to find a suitable option from our lender panel based on your needs and eligibility. We do not select lenders or set interest rates to earn more commission, and we do not operate percentage-of-APR style commission models.
At any point before you enter into a regulated credit agreement, you can ask us to disclose:
Whether we’ll receive a commission,Who pays it, andThe amount (or a reasonable estimate if the exact figure isn’t confirmed yet).Just email support@deal4wheels.co.uk (subject: Commission Disclosure) or ask your advisor. We’ll respond promptly and in writing.
Fixed fee example: If a lender pays us £275 per agreement and you finance £9,000 over 48 months at a rate they set, our fee stays £275 whether your APR is 10.9% or 12.9%.Fixed % example: If a lender pays 2% of amount financed and you borrow £9,000, our commission would be £180. The lender still sets your rate; our % is not tied to changing your APR.(These are examples only; actual amounts vary by lender/product. We’ll confirm your figures on request before you proceed.)
We use the details you provide (e.g., credit profile, income, employment, vehicle age/mileage, deposit and term preference) to identify suitable lenders on our panel and present options. We may start with a soft search that doesn’t affect your credit score, then a hard search occurs if you proceed, as described in our Data Protection (DPA) notice.
Our people are salaried and not incentivised to raise your interest rate. We reward good service, accuracy, fair outcomes and compliance—not higher APRs. We operate checks and audits to manage potential conflicts and meet Consumer Duty standards.
Credit broking (arranging your finance) is VAT-exempt.Third-party services (e.g., service plans, paint protection) are priced inclusive of VAT where applicable.Insurance products are exempt from VAT, but IPT (Insurance Premium Tax) may apply.We’ll always tell you what we’re paid on request—before you commit—so you can make an informed decision.