Help and advice

We offer a number of features that make the finance experience with FairSquare different:

• At-a-glance finance comparisons that you normally wouldn’t get from a dealer or finance broker
• Mainly with a dealer, you get a “one size fits all” rate, but we can arrange suitable credits for any credit status
• We have more scope to get you approved, as we have a wide range of credit options for all credit types available in our system to make you instant and informed offers
• We take a below-market average commission, we are able to offer a fairer deal as that lower commission is reflected in the rates offered to you
• We are not tied to any lender or type of finance
• We do not take incentives, therefore do not offer any one lender or product over another.
• Our only interest is finding the best fit for our customers’ circumstances and needs. We provide an easy-to-understand service where the car buyer is in control every step of the way and in their own time.

We’re on the car-buyer’s side to get a fair deal all round

Yes. We are regulated by the Financial Conduct Authority and have all the required FCA permissions in place.

We work with multiple dealer groups across the UK, and is consistent in sourcing all of our vehicles through these dedicated dealers. This ensures economies of scale and bulk-buying discounts (up to 35%) and the very best prices for our customers.

We have one of the industry’s broadest panel of lenders that support a wide-range of borrowing types. We are not incentivised to work with particular lenders, so using our unique finance search tool we are able to offer completely non-biased, finance offers to suit all kinds of credit and budget profiles.

Our entire platform is online, so we don’t have the overhead costs of a high-street dealership and that means a better deal for you.

The FairSquare customer journey is the key difference. Other online car buying sites offer only part of the journey – effectively car selection and an indicative price, therefore the customer must visit the dealer and negotiate the finance terms separately. FairSquare is different because it is a one-stop-website, from initial search to transaction completion and home delivery. Our customers need never step outside their front door.

Secondly, we have developed a unique zero-impact soft search process for checking creditworthiness from one of the industry’s broadest panel of lenders. Our finance search tool is a major differentiator, offering unbiased (we are 100% independent of any finance/lender or car brand), multiple market offerings across credit and budget profiles – giving the customer a completely unbiased view of their credit worthiness.

Thirdly, we believe the FairSquare customer experience to be the simplest and most efficient on the market, with the best outcome for the customer as the result. FairSquare always offers simple explanations of the most commonly used products available in the market for car purchase, using language you can understand.

Next, FairSquare is not an auction site. FairSquare deals with multiple dealer groups across the UK, and is consistent in sourcing all of its vehicles through these dedicated dealers, ensuring economies of scale and bulk-buying discounts for our customers.

We believe all this puts our customers in control, with complete transparency and choice, delivering personal power to purchase from the very outset.

FairSquare offers new and used cars and finance, in what we believe is the most competitive and fair package in the UK market, all in one place.

You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations.

A ‘hard’ search leaves a footprint on your credit profile, whereby a ‘soft’ search does not.  Therefore a ‘soft’ search is ‘zero impact’, and a hard search, especially where multiple searches/credit requests are applied for, can have a detrimental impact on your credit score.

We have one of the industry’s broadest panel of lenders, so even if your credit score is poor we may be able to match you and your unique circumstances to the most suitable lender. However, we cannot guarantee approval for everyone.

Yes, there is a £200 deposit required. However, most lenders will require a larger deposit than this for you to secure finance offers. On the website during the application process we indicate how many more lenders you may secure offers from if you were to increase your deposit amount. Your chosen additional deposit amount will be payable at the point you sign your finance agreement.

Your vehicle will always arrive with road tax, you will be advised of the amount to pay when completing your vehicle order . New cars come with 12 months and used cars with 6 months.

Yes, where necessary they do. All new cars do not need an MOT for 3 years. When you purchase a used car over 3 years old through FairSquare it will always be supplied with a minimum 6 month MOT.

We recognise the importance of trade-in and we are developing a market-leading online trade-in service, which is coming soon.

If you have an existing finance agreement, you should speak to your existing provider and ask for a settlement quotation. This will inform you of the amount required to settle your agreement.

We have a lender panel that can finance from £5,000 to £60,000.

We are working with our lenders to finance cars over £60,000 and will be able to offer this soon

Subject to certain criteria we put in place to protect you, it may be possible for you to use FairSquare finance to purchase a vehicle from somewhere else.

All our new cars come with exactly the same manufacturer-provided warranty you’d get if you purchased the car in a dealership.

All our used cars come with a minimum six-month warranty as standard.

Yes, all our vehicles undergo comprehensive and market-leading pre-delivery inspection and checks.

Yes, your chosen vehicle will be delivered straight to your home address completely free of charge *(Not available in Northern Ireland). *up to 75 miles from supplier location, thereafter charged at £1.25 per mile

Once all application documents have been completed, one of our customer service agents will call you to arrange the delivery of your car.  

We offer you a 14-day right to cancel and withdraw.

FairSquare is one of the few UK car supply/credit platforms that offers a right to withdraw and a right to cancel. Once the car has been purchased, most dealers will only offer right to withdraw from the finance deal, which means you are still obligated to purchase the car even if you withdraw from the finance agreement. The FairSquare 14-day money back guarantee allows you to withdraw from the finance agreement and cancel the car purchase, meaning you have more freedom to walk away from a deal you aren’t comfortable with. *Delivery costs are not refundable.

Yes, our dedicated customer service agents are available to help with you any questions and talk to you through the journey. Please call us on 0345 003 0008.