Your eligibility score is generated using Click Dealer's free credit checker tool, ClickCreditCheck, which is powered by the UK's largest motor finance broker, Evolution Funding Limited.

Evolution Funding ('Evolution') will request information held about you from two credit reference agencies, Experian Limited and Equifax Limited. This data is compared, using sophisticated algorithms, against a large anonymised pool of past car finance applications.

This generates an indication of your eligibility for car finance at this point in time and is not a statement or representation of your creditworthiness or credit health in general.

We will not provide any credit information contained within your personal credit reference reports, nor will Click Dealer or Evolution pass this information to a third party. You (and any dealer/introducer involved) will see information generated by Evolution, including an indication of cost and an eligibility score.

You will need to provide personal information so that the relevant information can be requested from Experian and Equifax to generate your eligibility score. You will need to provide information including full name, address and time at address, date of birth, and contact details.

A credit reference agency, such as Experian or Equifax, is a company that collects personal information from various sources and provides personal information for a variety of uses, including to prospective lenders of credit for the purposes of those lenders making credit decisions about their prospective customers. Providers of personal information that credit reference agencies hold about you include but are not limited to; lenders such as banks, mail order companies, mobile phone or broadband providers and credit card companies. Other sources of information also used include Electoral Register, County Court Judgments and Bankruptcies. Credit reference agencies use this data to create a credit report on you.

The checker gives an indication of your eligibility for car finance, including likely cost. Whilst this is highly predictive of a customer’s eligibility, it is only indicative and does not take into account other information required for a full application, including but not limited to your employment status, income levels, and the vehicle you are considering buying.

You should always ensure any financial commitment you enter into is affordable to you for the duration of the contract and your ClickFinance eligibility score is not an indication of that. Evolution Funding Limited, Click Dealer Limited and any associated dealer partner cannot be held liable for how you use the information generated and the accuracy of the results given.

Regency Used Cars NI Ltd, a dealership acting as a credit broker in arranging finance for vehicle transactions. Our address is Regency Used Cars NI Ltd, 39 Church Street Newtownards County Down BT23 4AN . Registered in NI. Company registration no. NI720486

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 1019923 . 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.

We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies (“funders”) who may be able to finance your transaction. 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.

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

You do not have to pay us for our Service.

However, Regency Used Cars NI Ltd is a broker for finance and not a lender

• The lenders that we use are given first right of refusal. This is because these lenders will pay us a commission for introducing you to them.
• This commission can be based on the amount you borrow or the vehicle you purchase.
• We will inform you of the amount of commission that we will earn in good time.
• We will require your consent to receive this commission.

You do not have to take our finance as it is available through other distributors. You can arrange funding for your vehicle elsewhere and it may be cheaper.

Regency Used Cars NI Ltd is authorised and regulated by the Financial Conduct Authority (Ref No 1019923 )
for consumer credit purposes.

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 website. 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.

If you wish to make a complaint, please contact us:

• by writing to us at Complaints, Regency Used Cars NI Ltd 
• by emailing [email protected] 
• by telephoning 

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.

Further details about our complaints procedure and FOS are available on request and can be found on our website. If you require further information, please contact us.