It’s surprising how many of our customers have similar questions. Here are some of the most commonly asked questions.

Q. What should I do if the details on my finance agreement are wrong?

A. Contact the retailer where you bought your goods from and we'll work with them to make sure your paperwork and any mistakes are put right as quickly as possible.

Q. How will my payments show up on my bank statement?

A. You’ll either see ‘Land Rover Financial Services’ or your finance agreement number (The name of where you made your purchase won’t show)

Q. Can I change my repayment date?

A. Yes – of course, you can choose any date within 30 days of your current payment date. However, you may be charged interest for making this change and we only allow one change every 12 months. You cannot change your payment date if the direct debit is calling.

Q. How do I know how much I’ve paid off on my agreement?

A. We’ll keep you up to date with an annual statement or you can request a statement any time by calling call 0844 824 4732.

Q. What happens if I miss a payment?

A. Missed payments usually incur a fee. For further information please refer to the terms and conditions of your agreement.

Q. What happens if I miss a payment?

A. Missed payments usually incur a fee. For further information please refer to the terms and conditions of your agreement.

Q. I’m having difficulty making payments. Who can I talk to?

A. If you’re having difficulties with payments please contact us as soon as possible. We are easy to talk to and will do our best to find a way to help you just call 0844 824 4734

Q. What can I do if I’m not happy with something in my finance agreement or the service I receive from Black Horse?

A. Looking after our customers’ needs and providing excellent service is very important to Land Rover Financial Services. But sometimes, things can go wrong. If this happens to you, please let us know by telephoning 0844 824 4733 and we’ll do our best to help.

However, if we can’t resolve your problem, we will advise you of how you can take things further. This may include providing details of the Financial Ombudsman Service.

Q. What if I have a problem with my goods?

A. In the first place, you should discuss the issue with the provider of the goods. If they cannot resolve the problem, then please get in touch with us on 0844 824 4733 and we will work with you and the provider to resolve the issue.

Q. Why is my Current Balance larger than I was expecting?

A. You may be comparing it to the finance amount when you took out the agreement which does not include the interest amount. The current balance figure we quote here includes any interest and might also include fees and charges you have incurred during the agreement’s lifetime.

Q. How much will it cost me to pay off my agreement?

A. To find out how much you owe call 0844 824 4732 for a settlement figure which may include a rebate.

Q. What is a settlement figure?

A. This is the amount we require to pay off your loan in full and will usually include a rebate. It is likely that this figure will be lower than the current balance. To find out how much you owe, call 0844 824 4732.

Q. What is the different between a flat rate and the APR shown on this website?

A. flat rate calculation takes the balance financed and multiplies this by an interest rate for each year of the agreement.

The APR shows the yearly rate of interest on your agreement as if interest was being calculated on a monthly basis on a reducing balance. The rate is adjusted to include any charges or fees you are expected to pay under your agreement. The APR also provides you with a like for like way of comparing the cost of different finance agreements.

Q. How do I pay off/settle my agreement?

A. To ensure that you pay off the correct amount, obtain an up to date settlement figure. From here you will have the option to settle. We accept all major Debit Cards and you can also send us a cheque or set up a bank transfer.

Q. Why are you charging me for changing my payment date?

A. The amount that you have been asked to pay relates to the additional interest you have accrued as a result of extending the length of your agreement from that which was originally agreed. The interest has been calculated at your originally agreed rate.

Jaguar Land Rover Limited: Registered office: Abbey Road, Whitley, Coventry CV3 4LF. Registered in England No: 1672070