About Us
Oyster Cars (UK) Ltd is authorised and regulated by the Financial Conduct Authority (FCA)
as an Introducer Appointed Representative. Our FCA firm reference number is 1054853.
You can check this on the Financial Services Register by visiting www.fca.org.uk or by
calling 0800 111 6768.
We are an Introducer Appointed Representative of Finset Limited (The Principal Firm) who is
authorised as a Credit Broker and not a lender with the FCA under FRN 987805. Link to
their website is here.
As an Introducer Appointed Representative, we are only permitted to introduce you to Finset
Limited. We are not able to discuss any finance products or provide further
information/advice. However Finset Limited are on hand to help support you throughout your
journey.
The Products Offered By Finset Limited
We can introduce you to Finset Limited who may be able to help you finance your vehicle.
Please note we are only permitted to exclusively introduce you to Finset Limited. We will
only introduce you to Finset Limited for the purpose of providing vehicle finance. Other
options may be available in the market, and Finset Limited do recommend carrying out your
own research to ensure a product is suitable, the best option for you and you are happy to
proceed.
The finance products Finset Limited offer include:
 Hire Purchase (HP)
 Personal Contract Purchase (PCP)
 Conditional Sale
 Lease Purchase
 Personal Loan (through selected lenders)
They may also offer other products such as:
 Warranty
 GAP Insurance
For full information on the services Finset Limited provide, please view their Initial Disclosure
Document.
Commission Disclosure
We will receive a commission from Finset Limited should you decide to enter into an
agreement through them with a lender from their panel and this could be either a fixed fee or
a percentage of the amount of finance taken. The commission payable to Finset Limited by
the lender may be a flat fee or a percentage of the amount you borrow. You can request
further information about this commission at any time directly from Finset Limited by

contacting them on email at compliance@finset.co.uk, or calling 01245 967999. See their
full commission disclosure here.
Fees
Ourselves and Finset Limited do not charge you a fee for our services. However, the lender
may charge interest or fees as part of your finance agreement. These will be clearly set out
in the documentation provided by the lender to you