Carwow Finance Disclosures
Citroën C2 Listings Across Five UK Regions Feature Standard Carwow Disclosures
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Key Points
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Carwow Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 767155, while Carwow Leasey Limited is an appointed representative of ITC Compliance Limited, which has FCA reference number 313486.
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Carwow says it is covered by the Financial Ombudsman Service, directing customers to the service for further information.
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Carwow Ltd and Carwow Leasey Limited are separate registered English companies, and Carwow Leasey Limited is described as a wholly owned subsidiary of Carwow Ltd.
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The disclosure identifies Carwow Ltd’s registered office as 2nd Floor, Verde Building, 10 Bressenden Place, London, SW1E 5DH; the same address is given for Carwow Leasey Limited.
Carwow, a UK-based online car marketplace, has published consistent regulatory disclosures across five regional listing pages for used Citroën C2 hatchbacks. Carwow emphasizes that it acts as a credit broker—not a lender—and that all advertised savings are calculated daily against manufacturer recommended retail prices. Finance offers remain subject to application and approval status.
The platform operates under strict UK Financial Conduct Authority oversight. Carwow Ltd holds FCA firm reference 767155, while its subsidiary Carwow Leasey Limited operates as an appointed representative under ITC Compliance Limited (FCA reference 313486). Both entities share a registered office at 2nd Floor, Verde Building, 10 Bressenden Place, London, SW1E 5DH.
Carwow's Role as Credit Broker, Not Lender
Carwow explicitly states it is a regulated credit broker rather than a direct lender. Carwow calculates average savings daily by comparing dealer prices on its platform against manufacturer recommended retail prices (RRP). The company receives fees and commissions from participating retailers and financial partners—a fact disclosed upfront to prevent consumer confusion.
Finance and lease offers quoted through Carwow are subject to application, credit status, and external lender approval. Savings figures may include government EV grants applied at point of sale for eligible electric vehicles. This disclosure model protects consumers by clarifying that the platform is an intermediary, not the actual credit issuer.
FCA Regulation and Financial Ombudsman Coverage
Carwow Ltd holds FCA authorisation and regulation under firm reference number 767155 for credit broking and insurance distribution. Its wholly owned subsidiary, Carwow Leasey Limited, operates as an appointed representative of ITC Compliance Limited (FCA reference 313486). Both entities maintain identical registered addresses in London's Westminster borough.
Consumers have access to dispute resolution through the Financial Ombudsman Service, an independent UK regulator. Carwow directs all customers to the ombudsman for complaints or inquiries about finance terms, ensuring they have formal recourse beyond the platform itself.
Five UK Regional Listing Hubs for Used C2 Models
Carwow publishes Citroën C2 listings across five major UK urban centers: Glasgow, Greater Manchester, Leeds, Merseyside, and Nottinghamshire. Used C2 models on the platform start from £600. Each regional landing page carries identical statutory disclosures regarding pricing calculations, finance terms, and regulatory status—ensuring uniform consumer protection across all locales.
This standardized disclosure approach allows large platforms to maintain FCA compliance across geographically dispersed inventory pages. Whether a vehicle is newly listed or a legacy model like the out-of-production C2, Carwow embeds the same transparent language about its brokerage role, daily price comparisons, and commission structures.
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