Listers Group is a credit broker, not a lender.
Finance example is for a smart finance agreement for a smart #1 Pro with an annual mileage of 6,000 miles and excess mileage charge of 8.86p per mile. Applies for new vehicles ordered between 1 April 2024 and 30 June 2024 and registered by 30 June 2024 (subject to availability). Model exclusions and stock limitations may apply. Subject to availability and change. Retailer customers only.
*The ranges determined according to the standard WLTP cycle enable a comparison between manufacturers. They also include the measured range achieved through recuperation (energy recovery during braking). Individual driving style, behaviour, speed, acceleration behaviour, outside temperature, topography and the use of electric vehicles have an influence on the actual range and may reduce or even increase it in certain circumstances. The values are determined in accordance with the prescribed measurement procedure, Depending on driving conditions, the values may vary from those stated.
^The charging time of the battery may vary depending on various conditions such as different environments and battery temperatures, available power and other restrictions, as well as the use of the remote control function (e.g. remote controlled air conditioning, preheating of the vehicle, etc.). With a 7.4kW home wallbox, you can charge from 10% to 80% SOC (State of Charge) in 7.5 hours. Where a 22 kW on-board charger is fitted, you can charge this at this speed from 10% to 80% SOC in 3 hours under optimal conditions.
With a PCP plan, your regular monthly payments are low because a significant proportion of the Total Amount Payable is repayable at the end of the agreement by one large repayment.
At the end of the contract there are 3 options: (i) Part exchange the vehicle against a new vehicle. (ii) Pay the optional final payment to own the vehicle. (iii) Return the vehicle. Further charges may apply subject to the condition or mileage of the vehicle.
Manufacturer contribution can consist of a contribution towards the cash price and a contribution towards the deposit. Optional final payment and option to purchase fee not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Quotation for your selected vehicle is valid at date of calculation only and is subject to availability and status.
Listers Group and its Appointed Representatives are Credit Brokers and not Credit Lenders. We are not independent as we have contractual relationships with a limited number of lenders. Our approach is to introduce you, in the first instance, to the relevant dealership manufacturer supporting finance company. If they are not able to make you a finance offer, where we are permitted to do so, we will submit a proposal to one of our independent finance providers. We do choose from a panel of lenders but do not conduct a market appraisal. Please contact us for a list of our finance providers.
In the event that none of our lenders are unable to provide credit, we will refer you to a broker to attempt to source credit for you. Note, however, the available terms from this broker may well be inferior to the two lenders we initially introduced to you.
We do not act on behalf of either the lender or the customer when making our introduction. We offer a non-advised service. We cannot advise or provide any recommendation. We will provide you with sufficient information on the lender’s financial products, but it is for you to decide whether the finance product you choose is right for you. The decision as to whether to enter into any credit agreement on the terms offered is yours.
When arranging funding for the purchase of your smart, we act as a credit intermediary of ALD Automotive Ltd, who trade as smart Mobility Financial Services for Personal Contract Purchase and Personal Contract Hire agreements. They are the sole finance provider for the respective brand partner. If they cannot make you an offer of finance, we will not be able to offer an alternative introduction to another lender. In this event, please speak with our sales team to discuss alternative options.
COMMISSION DISCLOSURE
Consumer Credit - We do not charge you a fee for any of the financial services we provide. We will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing.
Commission arrangements with our lenders have been negotiated and agreed in advance and set by the Lender. We do not have any discretion to negotiate or adjust your interest rate, APR or any other item included in the total charge for credit. The interest rate and/or APR offered to you may vary according to the age of the vehicle you purchase and/or the amount you borrow.
Consumer Hire - All lenders set their own policies regarding commission arrangements and typically the amount will be capped at a percentage of the tax list price of the vehicle or maybe pre-set but can vary and may impact the amount you pay. The higher the amount of commission, the more you will pay to hire your vehicle.
If you are an individual, sole trader or small partnership and we are arranging a credit agreement or a consumer hire agreement for you which is regulated under the Consumer Credit Act 1974, you have a right to ask us to disclose the income or likely amount that we will receive for arranging finance for you in good time before entering into the agreement. If you would like us to disclose any potential commission prior to you entering into the agreement, please make your request to commissiondisclosurerequests@listers.co.uk. We do not charge you a fee for any of the financial services we provide.