Website Terms and Conditions of Use

ADV FINANCE LTD t/a CoverFinance

1 - TERMS OF WEBSITE USE

1.1 This page (together with the documents referred to in it) represents the Terms and Conditions of Use (Terms of Use) on which you may make use of our Website at www.CoverFinance.co.uk (the Site) which is owned, operated, licensed, and controlled by ADV FINANCE LTD (referred to as the Company, we, us and our). The term 'you' refers to the users and viewers of our Site. Use of our Site includes accessing and browsing our Site.

1.2 Please read these Terms of Use carefully before using our Site, as these will apply to your use of our Site. By using our Site, you confirm that you accept these Terms of Use and that you agree to comply with them. We recommend that you print a copy of this document for future reference.

1.3 If you do not agree to these Terms of Use, please do not use our Site.

2 - INFORMATION ABOUT US

2.1 The Company is registered in England and Wales with company number 09830846 and its registered office is at Suite 330, Manchester Business Park, 3000 Aviator Way, Manchester, M22 5TG, United Kingdom.

2.2 We are authorised and regulated by the Financial Conduct Authority. Full permission number 726319.

2.3 We are registered as a Data Controller with the Information Commissioner's Office pursuant to the Data Protection Act 2018. Our registration number is ZA183838

3 - PRIVACY

3.1 Our Privacy Statement sets out the terms on which we process any personal data that we collect from you, or that you provide to us. By submitting a loan application form via our Site you acknowledge that we will acquire your personal data for the provision of the Services; you acknowledge that these checks may include contacting your employer and contacting Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs) and you consent to our acquisition, control and processing/transfer of your personal data in accordance with the terms of our Privacy Statement at https://www.CoverFinance.co.uk/privacy-policy.

3.2 By using our Site, you acknowledge and agree that internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company's efforts to protect such transmissions.

4 - CANCELLATION

4.1 Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us. Any such requests should be made to: ADV FINANCE LTD t/a CoverFinance, Suite 330, Manchester Business Park, 3000 Aviator Way, Manchester, M22 5TG, United Kingdom or email customerservice@advfinance.uk.

5 - EXCLUSIONS

5.1 We shall not be liable for any breach of obligation to You by any bank, counterparty, intermediary or other third party with whom You do business. You will be liable for any loss You suffer as a consequence of You providing inaccurate information. If there is any partial non-performance of our obligations, provided We have made reasonable endeavours to perform them You must give us full credit for doing so. We will incur no liability for any loss arising from non-performance by Us which is caused by something beyond our reasonable control including changes in the law or regulations affecting how We normally operate.

5.2 In the event that any of these terms (each of which is severable) is for any reason illegal, invalid or unenforceable, such provision is to be deemed modified sufficiently to render it enforceable, legal and valid and of similar effect as We intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.

6 - COMPLAINTS and TERMS & CONDITIONS OF USE AND ACCESS TO CoverFinance.co.uk WEBSITE

6.1 We endeavour to make every effort to ensure our service to you is excellent, however if You wish to make a formal complaint, our complaints procedure is as follows:

  • In writing to:
    ADV FINANCE LTD t/a CoverFinance
    Suite 330
    Manchester Business Park
    3000 Aviator Way
    Manchester
    M22 5TG
    United Kingdom
  • By email:
    customerservice@advfinance.uk
We will issue a final response to You within 8 weeks of Us receiving your complaint. If You are unhappy with our response or have not received our final response after 8 weeks You may refer your complaint to:

7 - ACCESSING OUR SITE

7.1 Our Site is made available free of charge.

Is my loan guaranteed?

All applications are subject to status and checks will be undertaken which may include credit searches and fraud prevention searches to match the right product to you.

7.2 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw, suspend, discontinue or amend all or any part of it or the Services we provide on our Site without notice. We may update our Site from time to time, and may change the content at any time.

7.3 We do not guarantee that our Site, or any content on it, will be free from errors or omissions. The content on this site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this site.

7.4 We will not be liable if for any reason our Site is unavailable at any time or for any period.

7.5 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time if in our opinion you have failed to comply with any of the provisions of these Terms of Use

7.6 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.

8 - INTELLECTUAL PROPERTY

8.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks, (collectively the Content) are owned by the Company or other third parties and all rights, title and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

8.2 Logos, trademarks, images, etc. are the property of the Company unless otherwise noted and may not be copied, used, linked, disseminated, etc. without our prior express written approval. You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Site for the purpose of applying for a loan via the Company.

8.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without our express written consent.

8.4 Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with us.

9 - SITE SECURITY

9.1 You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

9.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

9.3 We do not guarantee that our Site will be secure or free from bugs or viruses. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

10 - DISCLAIMERS

10.1 We do not promise that our Site or any Content, document or feature of our Site will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Site will provide specific results.

10.2 The material on our Site could include technical inaccuracies or typographical errors. Our Site and their content are delivered on an 'as-is' and 'as-available' basis. All information provided on our Site is subject to change without notice. The Company cannot ensure that any files, documents or other data you download from our Site will be free of viruses or contamination or destructive features.

10.3 The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose

10.4 The Company does not guarantee that submission of an Application Form will result in you receiving an offer of a loan.

10.5 Examples given on the Site are provided for illustrative purposes only. We are a credit broker and not a lender and the terms on which you may be offered credit differ depending on the lender.

10.6 We disclaim any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Site. You assume total responsibility for your use of our Site and any linked sites.

11 - LIMITATION OF OUR LIABILITY

11.1 The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

11.1.1 all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and

11.1.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

11.2 This does not affect our liability for death or personal injury arising from our negligence nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

12 - INDEMNITY

12.1 By using our Site, you agree to defend, indemnify, and hold harmless the Company from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that we may become obligated to pay arising or resulting from your use of our Site, the Content, or your breach of these Terms of Use. We reserve the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.

13 - LINKING TO AND FROM OUR SITE

13.1 Our Site may from time to time contain links to sites maintained by third parties, for information purposes only. We have no control over the contents of those sites and we are not responsible for the content or privacy policies of those sites. The existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

13.2 Please note that other websites and web pages linked to our Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions, including privacy policies of those websites and webpages when visiting them.

13.3 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

13.4 We reserve the right to withdraw this permission without notice. Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.

14 - AGE

14.1 The credit services and products that we provide on our Site are intended for those aged 18 years of age and over, and information contained on our Site does not amount to an invitation to clients who are under 18 to apply for a loan. All transactions for the supply of Services concluded through our Site are governed by the Terms of Use.

15 - LAW AND JURISDICTION

15.1 These Terms of Use, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

16 - LANGUAGE

16.1 The agreement is in English and all communications between you and us will be in English.

17 - MISCELLANEOUS

17.1 Any failure by the Company to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.

17.2 If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be thereby affected, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.

17.3 These Terms of Use constitute the entire agreement between you and the Company with regard to your use of our Site, and any and all other written or oral agreements or understandings previously existing between you and the Company with respect to use of our Site are hereby superseded and cancelled.

17.4 When you enter into a contract with us, you will receive an email from no-reply@CoverFinance.co.uk which will include full terms and conditions. If you do not receive the email within 2 days please contact us at customerservice@advfinance.uk and we will send you it again.

All our services are free of charge with unlimited duration

Personal loan

A personal loans are typically offered with term lengths between one and seven years, and with borrowing levels up to £25,000.

Guarantor loan

A guarantor loan involves a third party agreeing pay off the loan completely in the event that the borrower defaults. Borrow up to £10,000

Short term loan

Unsecured loans allow consumers to borrow money for a brief time. They can be expensive and they won't be suitable for everyone. Borrow up to £1,000

Credit cards

Looking for credit card or a card for bad credit? We compare credit cards to help you find the right credit card for you.

Credit Score

Your credit report contains the information lenders see when they are deciding whether to lend to you or not. Improve your loan chances.

ID Protect

Protect your privacy today by future proofing your personal data.


97% APR Representative (Fixed)

Representative example: Borrow £1000 for 24 months. Annual interest rate 70% (fixed). 24 equal instalments of £77.48. Total amount to repay £1,859.52. Representative 97% APR. {APRfrom} 97% APR Representative (Fixed) APR rates range from 45.3% APR to 1575% APR. Your APR rate will be based on your circumstances.

Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

How CoverFinance works?

All you need to do is enter your details into our intuitive form and we will scan for you our large panel of selected lenders lenders and brokers who may be able to help.
Our application form takes less than 5 minutes and you should be able to get an decision.
There is no obligation, you can accept their offer, or you can choose to decline it. If the offer meets your needs, funds may be transferred to your bank account on the same day. Please make sure before accepting an offer that you read and agree to the terms of the offer.
CoverFinance is not a lender but is a licensed credit broker. We have a wide range of lenders available to look at your application. We will submit the information you provide to a direct lender and/or brokers providers. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email. Not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also.
Please be aware: there is no charge to you for using our service but we may receive a commission or fee for providing your information to our panel of lenders and brokers.

Term of Repayment and APR

The loans offered through lending platform on this website have minimum repayment terms of 1 month and maximum repayment terms of 36 months and not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. APR rates range from 45.3% APR to 1575% APR. Your APR rate will be based on your circumstances.

Collection process

We always recommend repaying on time but If you are struggling, or think there is a possibility that you will not be able to meet the agreed repayments, you must contact your money lender as soon as possible to avoid adverse action. They will inform you about their collection process and about any possibility to reschedule or otherwise restructure your loan repayments. CoverFinance does not engage in collection practices as lenders collect policies vary.

Late payment

Additional interest and/or charges may be applied to your account if your payment is not received on the agreed due date.
Your lender may want to re-assess your financial situation to understand if your late payment was a one off or likely to happen again. Lenders might look to alter your payment schedule if this could help prevent late payments from occurring again in the future. Lenders may also report late payments to Credit Reference Agencies, this could have a negative impact on your credit score and affect your ability to obtain credit again in the future.

Implications of Non-Payment

Additional interest and/or charges may be applied to your account if a payment is missed entirely.
Before you borrow money make sure you fully understand the interest rates, fees and the terms laid out in the loan agreement. If you cannot afford your agreed repayment(s), this may have a negative impact on your credit report and could affect your ability to borrow again in the future. We strongly recommend that you contact your lender in the first instance, they will need to be aware of your change in financial circumstances before they can present alternative methods of repayment to suit you. Collection processes can vary depending on your loan provider. If you do not contact your lender about your circumstances they may pass your account to a third-party collections agency, or attempt to take you to court for non-payment to register a County Court Judgment (CCJ) against you.

Renewals policy

If you wish to renew your loan, please discuss this with your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.

Disclaimer: The proceeding is general advice only, and is not intended to address your specific financial situation. Please consider retaining independent financial counsel to discuss your individual needs.