Compliance and disclaimers
This page sets out how LDM Finance operates, our role in the finance process and the disclaimers that apply to the figures and information on this site. The finance wording follows UDC Finance's standard guidance and is pending UDC marketing review before launch.
The wording below follows UDC Finance's standard finance guidance and remains subject to review by UDC's marketing team.
Our role
LDM Finance is a finance specialist and is not a lender. We work with a panel of trusted finance partners and submit your application to a suitable lender on that panel. The lender you are matched to holds the finance contract, sets the rate and makes the final approval decision under its own lending criteria.
Registration and financial advice
LDM Finance is a trading name of LDM Motorgroup Limited. We are not a registered financial adviser and act as a referral partner, connecting customers with third-party finance providers. Nothing on this site is financial advice.
In practice this means you complete one application with us and we pass it to a suitable finance provider on our panel. That provider is registered in its own right. It holds the finance contract, sets the rate and the fees, and makes the approval decision under its own lending criteria. LDM Finance does not assess or approve applications and does not provide financial advice. If you want advice about your own circumstances, speak with a registered financial adviser or your accountant.
Referral fees and commission
LDM Finance may receive a referral fee or commission from a finance provider when an application we refer is approved and settled. This is standard practice in vehicle and asset finance. It does not change what you are charged, because the rate and the fees are set by the provider. You can ask us at any time whether a referral fee applies to your finance and we will tell you.
Responsible lending
All lending arranged through LDM Finance is subject to the Credit Contracts and Consumer Finance Act and responsible lending checks. Responsible lending obligations under that Act sit with the lender rather than with LDM Finance. Approvals are subject to responsible lending inquiries, and each lender's eligibility criteria, fees, terms and conditions apply. Lenders assess affordability and suitability before any finance is approved. We will tell you plainly if finance is not the right decision for your circumstances.
For finance provided by UDC Finance, see UDC's consumer credit contracts, rates, fees, terms and conditions.
About the figures on this site
All repayment figures shown across this site, including on the calculator, vehicle pages and worked examples, are indicative only. They are calculated at a representative rate of 12.95 percent per annum with no fees included, and they do not constitute an offer of finance or a quote. Your actual rate, fees and repayments depend on the lender, the asset, the term and your circumstances. Lending criteria, terms and conditions apply.