Website terms and conditions of use


These are the website terms and conditions (“Terms and Conditions”) of Midland Credit Ltd.  Please read these Terms and Conditions carefully, they set out the basis on which you are allowed to use this website (the “Site) and the information contained within it.  They protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes.

By proceeding with access to this Site you are deemed to have accepted both these Terms and Conditions and our Privacy Policy.  If you do not wish to be bound by these terms you should not use this site.


Midland Credit Ltd will endeavour to ensure that the information on the Site is accurate and helpful at all times.  However, we cannot ultimately warrant the accuracy of that information and cannot be held liable for any use or reliance you make of or put on it except as specifically agreed with us in any further agreement we may make with you in writing.

The information contained on the site is general in nature, and is intended as a guide only to the types of products and services offered by Midland Credit Ltd.  Users are advised to consult with Midland Credit Ltd and to check any product or service information for specific criteria.


You must not under any circumstances seek to undermine the security of this Site or any information submitted to or available through it.  In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the software, coding or information comprised in this Site.

You are solely responsible for any information submitted by you, to our site.  You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.


The copyright in the content and material contained on, in  or available through this Site including without limitation all information, data, text, photographs, graphics or other materials and the selection and arrangement thereof, and all source code, software compilations and other material (“Material”) is owned by or licensed to Midland Credit Ltd, its group companies or affiliates.  All rights are reserved.  You do not have any right, interest or title in or to the Material unless otherwise expressly indicated.

The trademarks, service marks and logos (“Trade Marks”) contained on or in this Site are registered and/or owned by or licensed to Midland Credit Ltd, its group companies or affiliates.

You may not reproduce part or all of the contents of the Site in any form unless it is for personal and non-commercial use.  Except as specifically authorised above, you may not copy or otherwise incorporate into or store in any other website electronic retrieval  system, publication or other work any of the Material in any form (whether hard copy, electronic or other).  You may not frame or link to the Site or any part of it without our express permission.

Save as expressly stated or as necessary to view, print or download extracts of the Material for personal and non-commercial use, none of the Trade Marks or Material may be copied, edited, varied, reproduced, published, displayed, distributed, stored, transmitted, commercially exploited or disseminated in any form whatsoever without the prior written consent of Midland Credit Ltd.  You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, costs, losses, damage and expenses, including without limitation legal fees incurred by us should you breach any of the terms of this section (Intellectual Property).


This Site may include links to other websites which are not owned, operated or controlled by Midland Credit Ltd (“Third Party Websites”) provides you with such links solely for your convenience.  The inclusion of such links does not mean or imply that Midland Credit Ltd endorses the Third Party Websites, its availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website.   Midland Credit Ltd does not any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.


6.1  Use of this Site, Third Party Websites, links to the Third Party Websites and any information available via the Site is at your own risk,  To the maximum extent permitted by law Midland Credit Ltd disclaims all liability whatsoever, whether arising in contract, tort (including negligence) or otherwise in relation to this Site.  Third Party Websites, links to Third Party Websites and information available via the Site.

6.2   We endeavour to ensure that the Site operates correctly at all times, but we make no warranties as to the availability or accessibility of the Site, and (save as otherwise set out in these Terms and Conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the Site.

6.3   Midland Credit Ltd will not be liable, in contract, tort (including, without limitation, negligence), under statute or otherwise, as a result of or in connection with this Site, any Third Party Websites, links to Third Party Websites, the information or any products or services offered on or through this Site or Third Party Website, whether by Midland Credit Ltd or on its behalf, for any:

6.3.1      Economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or

6.3.2      Loss of goodwill or reputation; or

6.3.3      Special or indirect or consequential loss.

6.4         If Midland Credit Ltd is liable to you directly or indirectly in relation to this Site, any Third Party Websites, links to Third Party Websites, information on the Site or any products or services offered on or through this Site or Third Party Website that liability (howsoever arising) shall be limited to £100.

6.5   Midland Credit Ltd will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which may incur as a result of any event beyond our reasonable control (including without limitation any failure of transmission, communication, computer or other facilities or your inability to access the Site for any reason or any failure, error or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium).

6.6 Nothing in these Terms and Conditions shall be construed as excluding or limiting the liability of Midland Credit Ltd or its group companies for death or personal injury caused by its negligence or for any other liability which cannot be excluded by English law.

6.7 Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.


If you provide information to Midland Credit Ltd on or through this Site, Midland Credit Ltd will use it in accordance with the terms of its Privacy Policy.  That Privacy Policy forms part of these Terms and Conditions and by using this Site you acknowledge and agree that you accept the terms of that Privacy Policy.


These Terms and Conditions (as amended from time to time) constitute the entire agreement between you and Midland Credit Ltd concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and Midland Credit Ltd in relation to such matters. Midland Credit Ltd reserves the right to update these Terms and Conditions from time to time.  If it does so, the updated version will be effective as soon as it is uploaded in to this Site and your continued use of the Site will constitute your acceptance of such updated Terms and Conditions.  No other variation to these Terms and Conditions shall be effective unless in writing and signed by an authorised representative on behalf of Midland Credit Ltd.  You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version.  These Terms and Conditions shall be governed by and construed in accordance with English law and you agree to submit to the exclusive jurisdiction of the English Courts.

If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect.

Midland Credit Ltd’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Midland Credit Ltd in writing.

Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, and its group of companies.

Midland Credit Ltd (“we”, “us”) and our business partners will use your personal details (including sensitive personal data) and information we obtain from other sources to deal with your enquiries, consider your application, including carrying out credit searches, for marketing and to ensure that the services and advertising we offer are tailored to your needs and interests.  We and our business partners may contact you by mail, telephone, email or other electronic messaging service with offers of products or services that may be of interest to you.

By providing us with your contact details, you agree to being contacted by the methods and for the purposes set out in, and in accordance with our Privacy Policy.

In assessing your car loan application, we will make enquiries about you including searching your record with the credit reference agencies,  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 3rdparty for further loan options who may also search your record with the credit reference agencies.  If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.


Midland Credit Ltd is a licensed credit broker and not a lender.  Midland Credit Ltd is authorised and regulated by the Financial Conduct Authority for consumer credit FCA no. 654302.

Midland Credit Ltd can introduce customers to a limited number of finance providers based on overall credit profile and may receive a commission for such introductions.  Midland Credit Ltd do not charge a fee to the customer for this service.

Robert Cosgrove wrote this about us …


From the start this company was so helpful and understanding. Went out of the way to explain the procedure of finding the right car and without the hassle off pushy saleman. I asked for a list of dealers they have used in the past and I found the car I wanted. The whole processs was quick , hassle free, helpful, couldn’t find a single fault, highly recommended!

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