Terms & Conditions

Please read the following terms and conditions carefully. By using this website and its related services, you acknowledge that you have read the terms and conditions and that you accept and will be bound by them, as modified by Premium Credit Limited ("PCL") from time to time, as posted on this website. If you do not agree to the terms and conditions of use, you may not use this website.

Our details

Premium Credit Limited, Registered Office: Ermyn House, Ermyn Way, Leatherhead, Surrey KT22 8UX. Registered in England number 2015200 ("PCL"). For the purpose of these terms and conditions of use, references to Premium Credit shall include all group companies and affiliates in addition to any of its directors or personnel.

PCL is:

  • authorised and regulated by the Financial Conduct Authority.
  • a member of the Finance & Leasing Association and complies with its Lending Code, a copy of which we will provide on request.

Our VAT registration number is GB151326539

Back to Top

All information on this website is protected by copyright in the United Kingdom and in other countries. Unless otherwise specified (see the Limited Disclaimer of Copyright below), no one has permission to copy, display, distribute, or republish in any form, or store by electronic means any part of the information found on this website without the written permission of PCL, except in accordance with the Copyright, Designs & Patents Act 1988.

The posting of information or other materials to this website does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyrights, trademarks, trade names or other intellectual property) and does not transfer any rights to a user on the website or any other third party, except as expressly provided herein.

Back to Top

Limited disclaimer of copyright

Anyone may view the information (and incidentally create an electronic copy of the information) available from this website for information purposes only. No part of the information on this website can be otherwise redistributed, copied or reproduced in any form without the prior written consent of PCL.

PCL makes no representation as to the accuracy, timeliness, or completeness of the website materials. PCL periodically amends, changes, adds, deletes, updates or alters the information, including, without limitation, the terms and conditions of use at the website, without notice. Further, PCL assumes no responsibility for any errors or omissions in the content of the website. PCL specifically disclaims any duty to update the information on the website.

Reference to PCL, and its services and products are provided without warranty of any kind, either expressed or implied. Under no circumstances shall PCL or any other party involved in the creation, production or delivery of the information at this website be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, computer virus or system failure, data or profits, whether or not advised of the possibility of damages, and on any theory of liability, arising out of or in connection with the use or performance of this website (or the information or services provided at this website) or any website related to any third party, or users' inability to use the information or materials contained in the website (on any other website). Under no circumstances shall PCL's liability to users for all damages, losses and causes of action (whether in contract, tort, including, but not limited to, negligence or otherwise) exceed the amount, if any, paid by users to PCL for accessing the website. You should consult your own legal advisers regarding the applicability of your own domestic legislation regarding limitations on liability.

Back to Top

Typographical errors

This website could include technical inaccuracies or typographical errors.

Back to Top

Indemnification by user

You agree to indemnify, defend and hold PCL harmless from any liability, loss, claim and expense, including legal fees related to your violation of these terms and conditions or unauthorised use of the services and information provided at this website.

Back to Top


PCL accepts no responsibility for any damage caused by viruses contained within the electronic files at this website.

Back to Top

If this website contains links to other websites, PCL is not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by PCL. Inclusion of any linked website does not imply approval or endorsement of the linked website by PCL.

Back to Top

Submission of information

All information transmitted, or otherwise submitted to PCL, via this website shall only be used by PCL to the extent permitted by applicable legislation, specifically data protection legislation in the United Kingdom and Ireland.

Back to Top


These terms and conditions will be governed by and construed in accordance with the applicable laws of the United Kingdom (in respect of users residing in the United Kingdom) and the applicable laws of the Republic of Ireland (in respect of users residing in the Republic of Ireland) without regard to conflict of law principles, and you agree that all legal proceedings relating to the matters herein shall be adjudicated solely in the courts of either the United Kingdom or, where relevant, the Republic of Ireland. You consent to extra-territorial service of process and submit to the jurisdiction of the said courts.

If any portion of these terms and conditions is found to be illegal or unenforceable, it shall be deemed to be severable from and shall not affect the remaining provisions.

Any waiver of any provisions contained in these terms and conditions by PCL shall not be deemed to be a waiver of that right or any other right, term or provision of these terms and conditions.

If you have entered into a credit agreement with us you will also be governed by the terms of that agreement. The credit agreement will only come into effect and be binding when you sign it; until then no binding contract will be created.

Before you sign, please read the credit agreement carefully. If you discover that any of the information in the credit agreement is incorrect, please select edit and then correct your details. If you encounter any issues with this process then please return to the main menu and use the details in Contact Us to let us know so that we may send you a new credit agreement with the correct information.

You irrevocably confirm that in signing the credit agreement electronically and by accessing FCA Online you are the Borrower or you represent the Borrower and are acting with the authority of the Borrower to enter into the loan. Furthermore, you are the person named on the bank account and have the authority to set up Direct Debit Instructions or are acting with the authority and knowledge of the account holder.

We will always contact you using the most recent address and contact details you have provided for correspondence. All accounts must be registered with a valid personal email address that you access regularly so that the documents you have agreed to receive electronically can be sent to you. In addition, you must advise us of a change to your personal information including but not limited to your name, address, email address and bank details. We will not be liable for any loss or damage if you have not told us of a change and we fail to contact you or we send information to your former contact details.

Back to Top