IMPORTANT CUSTOMER INFORMATION: FCA MOTOR FINANCE REDRESS SCHEME

On 30th March 2026, the FCA published the final motor finance redress scheme.
We would like to reassure our customers that Guardian Finance Limited does not owe redress to any of our customers under the scheme:

  • We have never allowed car dealers to operate a discretionary commission business model on any finance applications to us.
  • We have never had a tied arrangement with any car dealership for exclusive or near to exclusive right of first refusal for a finance application.
  • We have never paid a commission higher than the percentages in the redress scheme.

If you have already written to us requesting information, we will reply with the above confirmation.

We have informed the FCA that we do not have any redress liabilities.

Assuring you of our best attention at all times.

On 2 July 2026, the FCA announced that parts of the motor finance redress scheme have been suspended pending the outcome of ongoing legal challenges. As a result, some aspects of the scheme, including customer communications, may be delayed. For the latest information, please refer to the FCA website: https://www.fca.org.uk/consumers/car-finance-complaints

We take great pride in providing
old-fashioned customer service

Guardian Finance Ltd is a long-established and respected company providing locally-based finance facilities to Leicestershire people.

We offer hire-purchase terms for the purchase of cars, caravans and light commercial vehicles; unsecured Personal Loans are also available for a variety of purposes such as a new kitchen or a new bathroom for example.

Our target clients are Leicestershire residents with excellent credit records. For such people we offer a very flexible approach and will consider most sensible propositions. Our costs our simple to understand, based solely on interest (with no document or other charges). Our pricing is competitive and we aim to make it easy to compare the products that we offer.

We are a lender, but where we are unable to proceed with your application we may act as a credit broker and introduce you to one of our panel of lenders. In cases where we act as principal, we underwrite all transactions personally.

Borrowing £5,000 over 36 months with a representative of 15.9% APR an annual interest rate of 8.22% (fixed), 36 payments of £173.14. Total charge for credit £1,233.04 and a total amount repayable of £6233.04.

Written quotations are available upon request and acceptance is subject to satisfactory status enquiries.

We are full members of the Consumer Credit Trade Association and are authorised and regulated by the Financial Conduct Authority.

Our directors and staff have considerable experience in the finance sector and all embrace the Company’s customer focused philosophy.