Finance

PJ Commercial have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

2 Minute Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.

Status Disclosure

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Businesses are required by the FCA to provide status disclosure documents to consumers that are considering buying certain financial products. It is important that you read this document. It explains the service you are being offered in relation to finance and insurance. Please use this information to decide if our services are right for you.

Whose Products Do We Offer?

We offer a limited number of finance products to assist with the purchase of a vehicle. We can introduce you to several lenders we work with, that offer a range of finance products.

Which Services Will We Provide You With?

We are a credit broker and not a lender.

We will explain the finance products available to you from the lenders we work with and advise you on suitability of those finance products, based on your business needs/requirements. You will then need to make your own choice about how to proceed.

We are not an independent financial advisor. We do not check the wider market for finance or provide advice on whether the finance product we offer is the best value for you.

What Will You Have To Pay Us For Our Services?

We do not charge you a fee for our services.

We will typically receive a commission from the lender, as either a fixed fee or a fixed percentage on the amount you borrow. These terms are agreed with our lenders in advance and do not allow us to negotiate or adjust your annual percentage rate (or APR), or any other item included in the total charge for credit. The APR may vary according to your credit status or the amount you borrow. The amount of commission earned does not change in relation to the type of finance product you select i.e. Hire Purchase, Personal Loan or Personal Contract Purchase and neither is it affected by the length of the finance agreement.

When choosing your suitable finance product, you are entitled to request details of any commission that we will receive from arranging the finance with the lender. This request can be made from the Sales Executive handling your sale, or by contacting [email protected]

Who Regulates Us?

PJ Commercials Ltd is authorised and regulated by the Financial Conduct Authority, either as a principal firm or an appointed representative.

Our permitted business is to act as a broker for consumer finance.

You can check this on the FCA register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082

What To Do If You Have A Complaint

If you wish to register a complaint, please contact us as follows

By e-mail - [email protected]

In writing - FCA Compliance Manager

PJ Commercial Ltd, London Street, Smethwick, B66 2SH

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.