Last updated September 2026
The purpose of this policy is to explain how Auto Finance Direct Ltd (“AFD”, “we” or “us”) gathers, uses and processes your personal information. AFD takes your privacy seriously and handles your personal information in accordance with all applicable laws, including the Privacy Act 2020.
We may update this Privacy Policy from time to time. The current version will always be available on our website and will show the date it was last updated. Where appropriate, we may notify you of material changes to this Privacy Policy.
We collect personal information that you provide directly to us, including through our website, online portals, application forms, by email, by telephone or through other communications with us. We may also collect personal information automatically through cookies, website analytics and other technologies when you use our website, online portals or electronic services.
Where you apply for a loan, we may also collect personal information about you from the motor vehicle dealer you are dealing with, credit reporting agencies, other credit providers, your employer, referees, government departments, regulatory authorities, courts and tribunals, other public authorities, publicly available sources, or any other person or organisation reasonably necessary to assess, administer, verify or enforce your loan or to comply with our legal or regulatory obligations.
The personal information we collect from you will vary depending on the nature of our interactions with you, but may include:
Where we collect personal information about you from third parties, we will take reasonable steps to notify you of that collection where required by the Privacy Act 2020. This notification is generally provided through your application for finance, our Loan Terms, our Third Party Information & Service Providers Guide, this Privacy Policy or other communications with you.
Under the Credit Contracts and Consumer Finance Act 2003, we must make reasonable enquiries before entering into a consumer loan to be satisfied that you are likely to make the payments without suffering substantial hardship, and keep records of those enquiries.
To support that assessment, we may check the accuracy and authenticity of information and documents provided by or on your behalf, including information about your identity, immigration status, employment, income, expenses, existing commitments and the proposed transaction. Where reasonably necessary, we may verify that information with the person or organisation that issued or supplied it, or another person or organisation reasonably able to verify it.
We may retain the information and results of these enquiries as part of our application and lending records. We may also verify information to administer your loan, prevent, detect, investigate or respond to actual or suspected unlawful conduct or regulatory matters, or comply with our legal or regulatory obligations.
We will only hold and use your personal information for the purposes set out in this policy, and for any purpose disclosed to you at the time of collection, or for any related purposes. Generally, we may use your personal information to:
If you do not provide us with your personal information, then we may not be able to provide our services to you.
We take reasonable steps to protect the personal information we hold against loss, unauthorised access, use, modification, disclosure or misuse. We use a combination of physical, electronic and administrative safeguards appropriate to the nature of the information we hold.
While we take reasonable steps to protect your information, no method of transmitting or storing information electronically is completely secure.
We may use artificial intelligence, machine learning and other technology-assisted services to assist us with assessing applications, verifying information, administering loans, detecting or investigating unlawful conduct, meeting our legal and regulatory obligations and improving our products and services.
These technologies assist our people in carrying out their functions. We do not make lending or other significant decisions solely by automated means.
We may disclose your personal information where reasonably necessary for the purposes described in this Privacy Policy, including to:
This Privacy Policy should be read together with our Loan Terms and our Third Party Information & Service Providers Guide.
Further information about the organisations from which we may collect personal information, and to which we may disclose personal information, is available in our Third Party Information & Service Providers Guide.
Our Third Party Information & Service Providers Guide also explains the categories of technology providers we use, including artificial intelligence and automated analytical service providers, and the purposes for which those services may be used.
You may contact AFD by phone at 0800 751851 or email [email protected] to:
We will retain your personal information only for as long as it is reasonably necessary for the purposes for which it was collected, to administer our relationship with you, comply with our legal and regulatory obligations, protect our legitimate business interests, resolve complaints or disputes, enforce our rights, and meet applicable record retention requirements.
If you no longer wish to receive marketing communications from us, you may unsubscribe using the unsubscribe link included in our electronic communications or contact us directly. We will update our records as soon as reasonably practicable.
We use cookies, website analytics and similar technologies to help operate our website, understand how visitors use our website, improve user experience, analyse website performance and support our products and services. Where practical, this information is aggregated or de-identified before being used for analytical purposes.
You can control or disable cookies through your web browser settings. Please note that disabling cookies may affect the functionality of some parts of our website.
Our website or electronic communications may contain links to, or content from, third-party websites or services. Those third parties operate under their own privacy policies, and AFD is not responsible for their privacy practices.
