The amendments to the CCCFA (Consumer Law Reform Act) took effect from the 6th of June 2016. Dealerships selling finance will now be considered lenders for the purposes of the legislation, and as such must assist the borrower to reach informed decisions in all subsequent dealings in relation to any financing agreements.

Under the Act, as a dealership that sells financial products, we are required to publish the 'costs of borrowing' and 'standard form contracts' on our website (and make these available on demand within our premises).

UDC Fees & Charges

Phil Birss lending rates range from 9.95% to 13.95%. Rates vary depending on many factors including the amount of lending, the term of the loan, the level of deposit or equity in the loan, customer credit history, and customer risk profile.

Finance terms and conditions together with information about the costs of borrowing, including credit fees, default fees, interest rates, and default interest rates can be viewed by clicking on the links below: