Existing Customers
If you would like to discuss your account please telephone the office on 01206 243100.

If you would like to make a secure payment online please click here:

New Customers
Thank you for considering Mallard Vehicle Finance to help you to purchase your new vehicle. We have provided a summary of Frequently Asked Questions below but if you require further information or wish to apply for finance, please call the office on 01206 243100.

Frequently Asked Questions

How do I apply for finance?
The majority of our applicants are introduced to us through our motor dealer network but it may be more convenient for you to apply direct. We can discuss your requirements and provide advice and guidance with regards to vehicles we are able to finance before you make your application. If you have not yet found a vehicle and we are able to offer you finance, we can give you a credit limit to enable you to find a vehicle that you can afford.

Please telephone the office on 01206 243100 to begin your application.

What finance options are available?
There are a range of finance products available in the market to help with your purchase. We offer “Hire Purchase” which we believe is the most straightforward solution available. This means that you pay a fixed amount each month with an additional payment due in the final month which transfers ownership of the car from us to you.

What happens if I have problems paying?
If you are having difficulty paying for any reason then please talk to us. Where ever possible we will seek to make an arrangement that allows you to keep the car. This is easier where there is only a short term cash flow issue perhaps due to an unexpected expense. In the case of longer term issues, perhaps due to a change of circumstance, we will talk to you to try to find the best solution for both parties.

I have had problems with credit in the past – can you help?
If you have current credit problems, then it is unlikely that we will be able to help you. The reality is that if you are already struggling to meet your existing commitments then it would be irresponsible for us to lend to you.

If you have had problems in the past but are putting these behind you then we will assess your application on its merits and because of our flexible approach, will look to help you purchase a car that you can afford alongside your current commitments.

Our Commitment to You

Treating Customers Fairly
Mallard Vehicle Finance is committed to treating all customers fairly and this commitment is central to our corporate culture. In the implementation of this we take care when dealing with all customers to keep matters simple, personal, open and professional.

Responsible Lending
It is essential to us that all credit provided meets the needs of the customer concerned and is sensibly within their budget cost. We take considerable care to comply with this.

Data Protection
We know that security and privacy are essential to all in dealing with Mallard Vehicle Finance. Key parts of our website are securely protected and data sent is encrypted.

Information collected is restricted to what is necessary for us to consider the proposal made and considerable effort is made to ensure accuracy. Information is collected lawfully and in accordance with the Data Protection Act 1998. Any personal data that is saved is stored securely with security systems preventing unauthorised access. Any personal data is always treated confidentially.

The information you give us will be used by Mallard Group Limited and may be passed to other organisations to inform you by letter, telephone or email of other products which may interest you. You will be able to tell us if you do not wish us to do this. We also exchange information with other approved organisations for underwriting and fraud prevention purposes. However, we will only reveal your personal data to third parties if it is necessary for the performance of your agreement with us, you have given your consent, or it is required or permitted by law.

Why has my application been rejected?

There are a number of reasons why we may be unable to help. This could be because you have had problems with credit in the past, because you have had insufficient previous credit for us to make an assessment or simply because you or the vehicle you were looking to buy did not meet our criteria.

If an application has been made to us and we are unable to help because of information held on your credit file, then we have a statutory duty to inform you of the decision, along with the name, address and telephone number of any Credit Reference Agency that was consulted during the assessment of the application.

We only use:

Experian
Landmark House
Experian Way
NG2 Business Park
Nottingham, NG80 1ZZ
United Kingdom

Telephone number: 0844 481 8000

IMPORTANT - Data Protection Act 1998 - USE OF YOUR INFORMATION:
In considering your application we may conduct a search of your records held with one or more credit reference agencies, who will add to their records details of our search and your application, which may be seen by other organisations that make searches. This record may also be shared with other organisations and used by them to help make decisions about credit for you and members of your family, trace debtors, recover debt, prevent money laundering and fraud. For your security and to help improve our service to you, all telephone calls are recorded. Access to these recordings is restricted