Terms & Conditions

This page sets out the general conditions for the use of the Credit Indicator tool (“CI tool” ) and related services for customers resident in the United Kingdom (“UK”). If you decide to submit a full credit application for vehicle finance, any offer for such finance will have additional terms and conditions. If we offer you vehicle on submission of a full credit application we will make it clear at the time the full terms and conditions of that offer. YOU SHOULD READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THIS CI TOOL. USING THE CI TOOL INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THE CI TOOL.

We may revise these Terms at any time and you should periodically check the website to review the current Terms because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages of the Black Horse Limited website.

Who can use this site?

The CI tool described here is ONLY available to you if you are resident in and access the site from within the UK (excluding Channel Islands and Isle of Man) and you are 18 years of age or over.


While the CI tool is normally available 24 hours a day, it may not always be available 24 hours a day, and we shall not be liable if for any reason the CI tool is unavailable at any time. Access to the CI tool may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.


The Credit Indicator tool is here to give you information about whether we may be able to provide you with finance for your vehicle purchase. It is an indicator of what your credit status is at the time of you submitting a Credit Indication form. It is not a full application for credit and cannot be relied on until a full credit application is made and you are offered finance.

The Credit Indication is powered by Experian free of charge to you and does not impact your credit rating. Experian, the Credit reference who will conduct the CI will record the search on its systems but this will not be visible to other lenders and will not affect your ability to borrow from them. If you are financially linked to someone, i.e. a partner with whom you have a joint account, their data may also be used to form a CI for you.

The results of the Credit Indicator application may be inconclusive and we do not guarantee that a full credit application will allow us to lend to you.

You should check details about important things like price or interest rates in any actual agreement you sign as it is the terms in that document that form the agreement between us if and when any finance is offered.


We own (or have full licence for) all copyrights for and the CI tool and the related pages on this website, all trade marks and other materials used on it. You may use anything on this website only for your personal information and for this purpose you may print, copy, download or temporarily store extracts from this website. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular, no part of the website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission. If you breach any of these Terms, your permission to use the website automatically terminates and you must immediately destroy any downloaded or printed extracts from the website.

Any rights not expressly granted in these Terms are reserved.


The CI tool and related pages only complies with UK laws. You should only use it from the UK. The CI tool and related products and services on this website are only available to you if you are a UK resident.

You may not always be able to access this website or the CI tool. We are not responsible for any losses if you cannot do so (for example if you cannot obtain credit after a full credit application has been submitted even though the CI tool indicated that we may be able to assist). We are not responsible if the means of communication you use to access the website or to send us information about yourself or to receive information from us does not work properly.

As we explained above, the CI tool does not guarantee you any credit offering from us and you should not accept the outcome of it as absolute. The terms and conditions here ONLY cover the use and outcome of the CI tool. It is not intended to be a credit offering.. We are not responsible for any losses you suffer if you fail obtain credit after submitting a full credit application.

We are not responsible for the availability of the motor vehicle, if the vehicle you have selected is no longer available in stock at the time of your CI application outcome is presented to you, we advise that you contact the dealer to consider alternatives. We are not responsible for any losses you may suffer for the unavailability of the motor vehicle.

We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown or data-processing failures.


By submitting information onto the CI tool you agree to us sharing information with third parties such as credit reference agencies. Please see our Data Privacy Policy for full details of how we may use your data.


This site and these Terms are governed by English law. Any disputes arising from this site shall be resolved by the English courts unless you can show you accessed the site from Scotland in which case the Scottish courts may be used and Scottish law may apply.