Policies & Procedures

Who We Are and How We Can Assist You

Motor Genius Group Ltd, Registered Office: Cambrian Complex, Ystrad Road, Fforestfach, Swansea, Wales, SA5 4HJ, Company Number: 12817070, ICO number: ZB640135.

Motor Genius Group Ltd is an Appointed Representative (FRN. 960504) of The Compliance Guys Ltd (FRN. 941360).

We operate as a credit broker, not a lender.

Motor Genius Group Ltd uses the brand "Sun Motors" under a contractual partnership with News UK. While we use the "Sun Motors" brand, Motor Genius Group Ltd operates independently and is not owned or affiliated with News Group Newspapers Limited, except for the purpose of this contractual partnership.

Eligibility for Finance

• Finance is subject to status and terms and conditions.
• Applicants must be over 18 and UK residents.
• A guarantee may be required.
• Please ensure you can afford repayments for the duration of the loan before entering into any agreement.

How We Can Help

Motor Genius Group Ltd works with a network of carefully selected brokers and finance partners to help arrange finance for your vehicle purchase. As a credit broker, we:

• Determine which partner to introduce you to based on your application and the available options.
• Provide information about finance options offered by our partners.

We do not offer independent financial advice. Our role is to present available finance products, leaving it up to you to decide which option is most suitable for your needs.

Commission and Costs

We do not charge you for our services. Instead, we receive commission from the brokers or finance partners we work with. This may include:

• A fixed fee or percentage of the loan amount.
• A share of the commission paid to any introducer or partner involved in the process.

The commission we receive:

• Varies depending on the terms of our agreements with the partners.
• Is predetermined and cannot be adjusted for your specific agreement.
• May differ between partners based on the amount you borrow or the loan term.

Rates and Terms

Interest rates offered may vary based on factors such as:

• The asset being financed.
• Fixed rates agreed upon with the broker/finance partner.
• Credit-score-based rates, which depend on your individual credit rating.
• Higher credit scores typically result in lower APRs.

How We Use Your Personal Data

Your personal data will be processed in accordance with our Privacy Policy to:

• Assist in steps prior to entering into a finance agreement.
• Ensure our legitimate interests as a credit broker are protected.

For further details, please refer to our Privacy Policy.

Contact Us

If you have questions about your finance agreement, please contact our Customer Care Department at:
team@contact.sunmotors.co.uk