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A credit contract is a consumer credit contract when

  • it is for individuals and,

  • the motor vehicle is primarily for personal, domestic, or household use.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about Motor Vehicle Loans & Finance Leases are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

Any questions?

You can find the answers in the FAQ. And all technical terms are explained in our glossary.

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Want to get underway with getting that car of your dreams? Download the forms here or get in contact with your local Alphera dealership.

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Our team will be happy to answer your questions. And we are always open to suggestions and ideas.

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