We are trading as a credit broker and not a lender, and are authorised and regulated by the Financial Conduct Authority, firm reference 742023. We can introduce you to a limited number of lenders, while providing details of finance products available. We will not charge you a fee for an introduction, but may receive a commission from the lender. Lender’s commissions may vary. The commission received does not influence the interest rate you will pay. For questions about commission, please speak to us. Sm Car Sales, Northgate, Rayrigg Yard, Morecambe, Lancashire, LA3 3AY.