Initial Disclosure Document

This document provides you with information about us, what we do, and your rights.

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The
FCA require us to provide you with an initial disclosure document to help you decide if our
services are right for you. This document provides information about VL Autos, the products we
offer, the services we will provide, what we charge for our services, who regulates us, what to do
if you have a complaint, and details about the Financial Services Compensation scheme.

What products do we offer? 

VL Autos offer products and services from a range of Finance and Leasing Companies, UK
Vehicle Dealerships and Product Providers with whom we have commercial agreements in place.
We are a commission and fee-based organisation which means that we receive commission and
fee payments for business introductions and providing our services. We will receive financial
remuneration which may be variable or pre-set dependent on the product and the volume that we
place with that organisation.

Which service will we provide for you?

Our Finance Services:

For the provision of finance, VL Autos is authorised and regulated by the Financial Conduct
Authority, firm reference number 990361 and are permitted to advise on and arrange consumer
credit contracts. As an FCA regulated Advisors, we can introduce you to a limited number of
lenders and leasing companies (a list is available on request) which may have different interest
rates and charges, who may be able to help you finance your vehicle purchase or provide vehicle
leasing solutions. This group of lenders and leasing companies provides us with a range of
products which may be suitable for your vehicle purchase or leasing requirements. We will
explain the key features of those products to you and make a recommendation based on
affordability which is suitable for your demands and needs at the time it is made. We are not
Independent Financial Advisers and so are unable to provide you with independent financial
advice. We may advice you on the products, subject to your personal circumstances, through you
are not obligated to take our advice or recommendation. There are also other sources of finance
which you may wish to investigate. We do not charge you a fee for our services. Whichever
lender we introduce you to, we will typically receive commission from them ( a Fixed fee or a

fixed percentage of the amount you barrow ). This payment will not impact the amount you pay,
the cost of the goods, or the monthly payments.
Finance available to UK residents, subject to status and income. Must be aged 18s or over. Terms
and conditions apply. Guarantee may be required.


What to do if you have a complaint: 

If you wish to make a complaint please contact VL Autos  by telephone or in writing by referring
to our complaints procedure. To register a complaint contact us by either: Email:, Telephone: +447933534028

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