Website Privacy and Legal Information.
Sterling Motor Cars has made every effort to ensure the accuracy of the information contained in this site.
Whilst every effort is made to produce up to date products and specifications, this site should not be regarded as an infallible guide to our vehicles products and services, nor does it constitute an offer for the sale of any particular vehicle.
All rights, including copyright and database right, in the website and its contents, are owned by or licensed to Sterling Motor Cars, or otherwise used by Sterling Motor Cars as permitted by applicable law or the copyright holder. You may not copy, reproduce, republish, download, post, broadcast or transmit any text, images, graphic, logo, button, icon, image and their selection and arrangement thereof, and any underlying source code and software, for any commercial or public purpose without prior written permission from Sterling Motor Cars or the copyright holder.
You may not adapt, alter or create any of the material or information in this site or use it for any other purpose other than for your personal non-commercial use. You agree to use this site only for lawful purposes.
Sterling Motor Cars reserves the right to use for its own purposes any material submitted to the site, including text and images, either on the site or in any other form, including for publicity purposes. Sterling Motor Cars reserves the right to monitor submissions to the site and to edit or reject any submissions.
We try to ensure that information on our site is accurate, complete and up-to-date. In using this site, however, you agree to be bound by the Terms & Conditions, which take effect on the date when you first use the site.
Without prejudice to your statutory rights, the site and all information, text, names, images, pictures, logos, links and icons and other materials (without limitation) are provided ‘AS IS’ and on an ‘IS AVAILABLE’ basis without representation warranty or endorsement, express or implied. In particular, we do not warrant or represent the accuracy or completeness of information provided on this site nor do we guarantee that use of this site will be uninterrupted or error-free, or that the site and its servers are free of computer viruses or bugs.
In no event will Sterling Motor Cars be liable to any person for any damage or loss that may arise from the use of any information contained in our site or products displayed on our site, including, without limitation, indirect or consequential damages, or any damages whatsoever arising from use or loss of use, data, or profits, whether in action of contract, negligence or other tortious action, arising out of or in connection with the use of the site.
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Sterling Motor Cars does not represent, warrant, endorse or hold responsibility over any external sites that may be linked to and from this site. Any external site that you visit by clicking through a link on this site is outside the control of Sterling Motor Cars and you visit entirely at your own risk.
The software downloads from this site have been thoroughly scanned and tested at all stages of production, but – as with all new software – we still recommend that you run a virus checker before use. We also recommend that you have an up-to-date backup of your hard disk before using the software. Sterling Motor Cars cannot accept responsibility for any disruption, damage and/or loss of data on your data or computer system that may occur while using the software. Consult your network administrator before installing any software on a networked computer.
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These Terms & Conditions shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising here shall be exclusively subject to the jurisdiction of the courts of England and Wales.
Sterling Motor Cars reserves the right to change any of its terms and conditions at any time by posting changes online.
If you do not accept these Terms in full, you must stop using this website immediately.
Finance Guide: Finding the right finance agreement for you
We want to help you to find a suitable asset finance product that meets your needs. This sheet explains factors that you should consider.
We are authorised and regulated by the FCA as a credit broker FRN 629574, Anglo Scottish Asset Finance Ltd
We are a Credit Broker and not a Lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor; we will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you.
Do I need asset finance?
The main options for financing newly acquired assets are:
Purchase outright for cash
Raise new capital
Rent for a short period (typically less than one year)
Take out a finance agreement. A lender will purchase the equipment from the supplier you have selected, at the price you have negotiated. You will then hire or lease the equipment from the lender.
In deciding which option to select, relevant factors may include:
Whether you have the cash to buy outright
How long you need the asset for
Costs of the different options
For more help in deciding whether to select finance, see the British Business Bank’s Business Finance Guide (http://british-business-bank.co.uk/advice/)
What types of finance are there?
Most finance arrangements involve paying a deposit and then monthly payments. The key difference between products is what happens at the end of the agreement and who gets title to the equipment.
At the end of the agreement there is an option to purchase the asset. If the option is not taken up, the equipment needs to be returned to the lender.
At the end of the agreement you automatically take ownership of the equipment.
At the end of the agreement, there is no option to purchase. The agreement can usually be extended, you may be offered the option to sell the asset on behalf of the lender, or the equipment can be returned to the lender. You do not get title.
At the end of the agreement there are 3 options. Pay the Final lump sum payment, Refinance the lump sum amount or hand the vehicle back to the finance house. You need to note there may be a charge for this if the vehicle has done more than the agreed mileage or any damage is present on the vehicle other than general wear and tear.
There are some other options also available but these will be discussed with you to see if they are more suitable.
In deciding which option to select, relevant factors may include:
How long you expect to use the asset for
The income or corporation tax, VAT and accounting treatment of the product
For more details of these factors, see the Government’s Leasing and Asset Finance advice (https://www.gov.uk/business-finance-explained/leasing-and-asset-finance)
Suitability of asset finance
Asset finance may not be suitable in certain circumstances. You should be aware:
You will have to continue to pay for the equipment for the agreed period even if you no longer need the equipment or it cannot be used.
If you change the equipment during the agreed minimum rental period, this could lead to higher charges.
Asset finance is unlikely to be suitable if you are not sure if you will need the equipment for the minimum contract period.
Asset finance is unlikely to be suitable if you are not sure the equipment will be maintained and kept in a useable condition for the minimum contract period.
For more details of factors affecting suitability, see the Guidance published by the Institute of Credit Management, Managing cash when it’s time to invest (http://www.icm.org.uk/wp-content/uploads/2013/08/Resources_CFG_fla.pdf)
We will use the contact information you provide to us to obtain quotations from lenders. We may also use the information to tell you about our services in the future by letter, telephone, email. Please use the options to select if you would like to opt in to this service.
If you have a complaint about our service, please contact us at email@example.com or call us on 0191 410 4776. We will acknowledge your complaint within five working days. We aim to resolve complaints within two weeks and to provide a final response to all complaints within four weeks.
If your agreement is regulated under the Consumer Credit Act and if after making a complaint you are still unhappy and feel the matter has not been resolved to your satisfaction please contact the Financial Ombudsman Service (http://www.financial-ombudsman.org.uk/)
A condition of taking out a finance agreement is that you insure the Asset.
We do not charge a fee for our services. Whichever lender we introduce you to, we will typically receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow).
For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders.