No. The terms of your finance — the rate shown in your offer, your agreed term, and any fees set out in your agreement — are fixed by the credit agreement you sign with the Credicorp lending entity. The fact that Credicorp belongs to the CM Beyer group does not change them.
What group membership does and does not do
- It gives Credicorp the backing and shared standards of an established group.
- It does not give other group companies the right to change your terms.
- It does not move your debt to another company without proper notice to you.
If your agreement is ever transferred
Lenders can sometimes transfer or assign agreements to a related company. If that ever happened to yours, we would tell you in advance and your core terms would be carried over — you would not suddenly owe more because of a group change.
Your protections sit in the agreement
Because we lend to companies for business purposes, this falls outside the FCA consumer-credit regime, so the Financial Ombudsman Service and FSCS do not apply. That makes your written agreement the key document — it is where your rights and obligations live, whatever the group structure looks like.
If you ever receive notice of a change you do not understand, contact our support team before acting and we will talk it through.
See also: Can my rate or charges change during the term?, Can I borrow from another company in the group? and Which Credicorp entity is my loan agreement with?.