Terms of Use
These Terms & Conditions explain how you may use the CreditCompare website, including browsing the site, accessing its content, and submitting a loan application.
Please read these Terms carefully before using our website. By accessing or using CreditCompare, you agree to be bound by these Terms. If you do not agree with them, please do not use our website or services.
Our Privacy Policy explains how we collect, use, and protect your personal information. Information about our use of cookies can be found in our Cookies Policy.
About CreditCompare
CreditCompare is a trading style of Kassel Media Ltd, a company registered in England and Wales.
CreditCompare is a UK credit broker, not a lender. We work with a trusted panel of lenders and broker partners to help customers explore suitable loan options, including short-term loans, no guarantor loans, bad credit loans, and other personal loan products.
Our Service
CreditCompare does not provide loans directly. Instead, we help connect you with lenders and broker partners who may be able to offer a loan based on your circumstances.
When you complete our online application, you authorise us to share your information with one or more lenders or broker partners from our panel. Your application may be assessed by multiple providers in real time to identify a suitable loan option.
If a lender is able to consider your application, you'll be redirected to their website to review their offer and complete the application process.
If the loan amount you requested is unavailable, a lender may offer an alternative amount. You are under no obligation to accept any offer and should carefully review the lender's terms before making a decision.
CreditCompare may receive a commission from a lender or broker if you choose one of their products. This does not result in any customer fees for using our service.
Loan Decisions
All lending decisions are made solely by the lender.
Submitting an application through CreditCompare does not guarantee that you will receive a loan. Each lender will assess your application based on its own eligibility criteria, affordability checks, credit assessment, and lending policies.
Any loan examples shown on lender websites are for illustration only and may not reflect the loan you are offered.
Credit Checks
As part of the application process, lenders may carry out credit and identity checks using credit reference agencies and fraud prevention agencies.
You must ensure that all information you provide is accurate and complete. Providing false or misleading information may result in your application being declined or further action being taken where appropriate.
Website Availability
We aim to keep our website available at all times. However, we cannot guarantee uninterrupted access and may suspend, update, or withdraw parts of the website without notice.
Intellectual Property
All content on the CreditCompare website, including text, graphics, logos, images, and other materials, is owned by or licensed to CreditCompare unless otherwise stated.
You may download or print pages for your personal use only. You must not copy, reproduce, modify, or distribute website content without prior written permission.
Accuracy of Information
We make every effort to ensure the information on our website is accurate and up to date. However, we do not guarantee that all content will always be complete, accurate, or current.
We reserve the right to update or amend our website and these Terms & Conditions at any time. Continued use of the website following any changes constitutes acceptance of the updated Terms.
Liability
To the fullest extent permitted by law, CreditCompare excludes liability for any loss arising from your use of this website or your inability to obtain a loan.
We are not responsible for lending decisions made by lenders or broker partners.
Communications
By submitting an application, you agree that CreditCompare and our lending and broker partners may contact you regarding your application by telephone, email, SMS, or post where permitted by law.
Where applicable, we may also send information about similar products and services in accordance with applicable marketing regulations. You can unsubscribe from marketing communications at any time.
Acceptable Use
You must use our website lawfully and responsibly.
You must not:
- Use the website for fraudulent or unlawful purposes.
- Upload or transmit malicious software or harmful code.
- Submit false or misleading information.
- Attempt to interfere with the operation or security of the website.
Third-Party Websites
Our website may contain links to third-party websites for your convenience. We are not responsible for the content, security, or privacy practices of those websites.
Your Data Rights
You have rights under applicable data protection laws, including the right to request access to or deletion of your personal information where applicable.
If you wish to make a data protection request, please contact us using the details provided in our Privacy Policy.
Complaints
We are committed to providing a high standard of service. If you have a complaint about our service, please contact us and we will investigate your concerns as quickly as possible.