HomeRegulatory & Consumer Duty

Committed to regulatory excellence.

As a hybrid lender-broker we take our obligations seriously, working with our teams, lenders and dealers to consistently deliver great customer outcomes.

Consumer Duty resources Complaints policy

Positive outcomes for everyone

A 35-year track record of doing the right thing.

We've welcomed the greater transparency regulation has brought to car finance.

Our compliance committee and wider business are dedicated to making sure we deliver the right products, that they meet the customer's needs, and that customers understand exactly what they're getting.

Consumer Duty

The four outcomes, built into how we work.

Products & services

We only offer products that suit the customer — from prime and non-prime to specialist and niche funding — and we assess the lending products on our panel every year, as well as reviewing the products we offer whenever we onboard a new lender.

Price & value

In our lending operation, Unity Auto Finance, we carry out fair value assessments, making robust pricing decisions that reflect the cost and risk of lending while staying fair and transparent with customers.

Customer understanding

Clear, timely information at every step, and trained teams who communicate around each customer's needs and characteristics.

Customer support

A flexible experience that supports customers throughout their relationship with us — as both lender and broker.

Supporting dealers and their customers

How we help you meet your obligations.

Customers get the best possible acceptance from our extensive panel of lenders
Experienced teams guide dealers and customers through finance, with clear procedures to support vulnerable customers
As a broker, we support customers throughout their agreement and help with complaints or disputes
Information and resources so dealers and customers can make informed decisions

Consumer Duty resource centre

Following the regulatory changes introduced by the FCA in July 2023, we created this Consumer Duty resource centre so our dealer partners and their customers have all the relevant information and support to make informed decisions about their finance.