1. ABOUT US
1.1 Company Information
Luv Car Loans is a trading name of Numero Group Limited a limited company registered in England and Wales. Its registered company number is 16464424 and registered address is White Collar Factory, 1 Old Street Yard, London, United Kingdom, EC1Y 2AS (“we”, “us”).
We are authorised and regulated by the Financial Conduct Authority (FCA), who are the regulatory body for consumer credit firms and those that offer a financial service. Our authorised number is 1037660. We act as a Credit Broker and not a Lender. Please note we are not financial advisors. You can check our authorisation at https://register.fca.org.uk/.
We operate under different trading styles; you can find the list of all trading styles at https://register.fca.org.uk/. Where we operate under multiple trading names, these Terms and Conditions apply independently to your relationship with each trading name, and any agreement or transaction with one trading name does not create any rights, obligations or liability in respect of any other trading name.
2. ACCEPTANCE OF TERMS
These are our terms and conditions (“Terms and Conditions”). They set out the basis on which you are allowed to use this website (the “Site”), the information contained within it, and on which we supply our services.
By proceeding with access to this Site or using our services, you are deemed to have accepted these Terms and Conditions, our Cookies Policy and our Privacy Policy. Please read these Terms and Conditions carefully before agreeing to register for our services or use our website. If you do not wish to be bound by these terms, you should not use the Site or our services.
3. USE OR OUR SERVICES
3.1 Our services
We are a vehicle finance broker offering a personal service to our customers and dealers.
We will always treat our customers fairly and with integrity, constantly trying to secure them the best financial acceptance we can offer. We strive to build strong relationships with our dealers that will help both businesses grow and give the customer a pleasant experience. Our staff hold years of experience within the vehicle finance industry and are on hand to assist with anything along the journey.
Please note we are only able to offer finance products such as Hire Purchase, Conditional Sale, Personal Loans and Personal Contract Purchase from the finance partners on our panel.
3.2 Commission and fees
We must inform you that we receive a commission payment for introducing your details. This commission will not impact any rate, amount or acceptance you are offered and is an agreed fixed payment or fixed percentage. This may vary by lender or finance partner.
You have the right to request information on our commission at any time using the contact details provided in the “Contact us” section. We will provide you with full commission information prior to you entering into your finance agreement and ask you to consent to proceeding with the agreement based on this information. Dealers may also receive commission from us for introducing business.
We will not charge you a fee for the service we provide. We may charge dealerships a fee for introducing you to one of their vehicles. This is a fee charged directly to them that they pay us directly. If a dealer has a fee they charge to customers, we will carry out our own due diligence so we can ensure you are fully aware and informed of any fees they charge you before entering into an agreement on the vehicle.
3.3 Credit searches and Data processing
By submitting an application to us, you are allowing us to submit your details to a Third Party/Credit Reference Agency, as provided in our Privacy Policy, in order to assess your creditworthiness. You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated processes in deciding whether to proceed with your application.
Lenders to whom your application is sent will carry out credit searches with the details you have provided us. We will from our panel of lenders that are sent through our portal, integrated systems or on our proposal form. Dealers are assessed on a regular basis to ensure that they are providing the customer with all information prior to submitting an application to us.
Your details will be checked with fraud prevention agencies. If any false or incorrect information is passed to us and this is found to be fraudulent, details will be passed along to the fraud prevention agencies.
By providing us with your contact details, you agree to be contacted by the methods and for the purposes set out in, and in accordance with, our Privacy Policy.
3.4 Finance options
Your information will be transmitted to our panel of partner lenders who will conduct independent credit assessments and may verify your details with fraud prevention agencies. Our extensive lender network enables us to offer access to a comprehensive range of credit products.
As a credit broker, we endeavour to secure the most suitable finance acceptance available from our panel of lenders based on your individual circumstances and creditworthiness.
Prior to entering any credit agreement, you must thoroughly review and understand all terms and conditions of the proposed arrangement. You are strongly advised to carefully examine all documentation provided by the lender, ensure complete understanding of your obligations and rights; and seek clarification on any aspects requiring further explanation.
You must ensure you fully understand the nature of this agreement and your statutory rights, which include but are not limited to distance selling regulations and your 14-day cancellation right, post-contractual rights regarding vehicle defects or non-conformity, cancellation procedures and associated obligations and consequences of payment default or inability to maintain scheduled repayments.
Should you require clarification on any terms, conditions, or obligations, please contact us prior to proceeding with any agreement. Please contact us using the details provided.
We will never provide you with a recommendation or advise you on certain products; we are not Independent Financial Advisors. Our partners will provide you with all the information required within your pre-contract Information to assist you in making an informed decision.
3.5 Affordability
You must carefully evaluate finance options appropriate to your current (and potential future) financial situation. We will review your details to ensure we have the correct information to pass onto our partners, who will verify submitted information. However, please note that evidence of your income may be requested.
If you are aware or suspect that your financial position will change in the future, you must inform us or the finance partner directly. Your credit rating could be adversely affected if you do not make payments when due.
If you would like further support or guidance around your finances, https://www.moneyhelper.org.uk/en provides free assistance that could help support you.
3.6 Distance selling
Should your purchase be deemed a distance sale, then you will be covered by the Distance Selling regulations. This means that you can return the vehicle to the supplying dealer and request for the finance to be cancelled. This must be within 14 days of the agreement going live. Any return will be subject to the following charges:
- £1 per mile based on the mileage at inception (Mileage on the finance documents) up to the point of handover back to the dealer
- The cost for any damage caused since taking delivery of the vehicle and any repairs required to bring the vehicle back to its original condition, prior to taking delivery
3.7 Finance gap insurance and additional products
Through our Third Party Partners, we may also offer you a product called Finance GAP Insurance. This product could cover you in the event that your insurance company decided to write your vehicle off as a total loss, due to an accident/fire or theft and would cover you for the duration of your finance agreement. We recommend that you thoroughly research this product once your finance is in place and evaluate whether it would meet your current demands and needs.
With your consent, we will discuss optional additional products that we could offer you. This includes a warranty product, shine protection and paint protection product that could benefit you should you encounter certain issues with your vehicle. Please note these are unregulated products, and not insurance products.
The product(s) is completely optional, and we will provide you with all of the information so you can decide if this would benefit you. We also recommend you carry out your own research on these types of products.
4. WEBSITE USAGE TERMS
4.1 Information on Our Site
While we endeavour to maintain accurate and current information on the Site, all content is provided for general guidance only and without warranty. Information presented does not constitute specific advice regarding products and services offered by us. Users must consult directly with us to verify all product or service information relevant to their specific circumstances.
4.2 Your Use of Our Site
You must not under any circumstances seek to undermine the security of the 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 the 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.
4.3 Links to Third Party Sites
This Site may include links to other websites which are not owned, operated, or controlled by us (“Third Party Websites”). We provide you with such links solely for your convenience. The inclusion of such links does not mean or imply that we endorse 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. We do not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.
5. DISCLAIMER/LIABILITY
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 fullest extent lawful, we disclaim 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.
We use reasonable endeavours to maintain Site availability and functionality, 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.
We 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 us or on our behalf, for any:
- economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or
- loss of goodwill or reputation; or
- special or indirect or consequential loss.
If we are liable to you directly or indirectly in relation to the 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.
We 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 you 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).
Nothing in these Terms and Conditions shall be construed as excluding or limiting our liability or our group companies’ liability for death or personal injury caused by our negligence or for any other liability which cannot be excluded by English law. Nothing in these Terms affects your statutory rights as a consumer under the Consumer Rights Act 2015 and other applicable consumer protection legislation, which cannot be excluded or limited by contract.
6. PRIVACY AND DATA PROTECTION
We are regulated by the Information Commissioners Office (ICO) and our registered number is ZA032449. We will ensure your information is stored securely and confidentially, only sharing your information for the purpose it was received, arranging and administering financial contracts.
If you provide information to us on or through this Site, we will use it in accordance with the terms of our Privacy Policy. That Privacy Policy forms part of these Terms and Conditions and by using this Site or applying for our services, you acknowledge and agree that you accept the terms of that Privacy Policy. For more information, please read our Privacy Policy.
7. GENERAL TERMS
These Terms and Conditions constitute the entire agreement between you and us concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and us in relation to such matters.
We reserve the right to update these Terms and Conditions from time to time. If we do so, the updated version will be effective as soon as it is uploaded on 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 our behalf of. 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.
Our 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 us 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, us and our group of companies.
8. COMPLAINTS
In the event that you are dissatisfied with the service you have been provided, please do not hesitate to contact us on complaints@numerogroup.co.uk Full details of our Complaints Procedure.
9. CONTACT US
Orange Tower, Mediacityuk, Salford, M50 2HF
Email: info@numerogroup.co.uk
Date last updated: 02/03/2026