Were You Mis-Sold Car Finance? You Could Be Owed £1,000s
You may be entitled to compensation if you bought a car on finance between 2007 and 2021. Thousands of UK drivers are now claiming back unfair charges — check your eligibility today.
What is a Car Finance Claim?
A car finance claim is a type of compensation you may be entitled to if you were sold a finance agreement that was unfair or not fully explained. Between 2007 and 2021, many drivers were sold car finance deals — such as hire purchase (HP) or personal contract purchase (PCP) — where hidden commissions were paid to car dealers or brokers.
These commissions often encouraged dealers to offer higher interest rates without properly informing customers, resulting in drivers paying more than they should have. In 2021, the Financial Conduct Authority (FCA) banned this practice, opening the door for compensation claims.
If you weren’t told about a commission or the finance terms weren’t clearly explained, you could be eligible to claim back thousands of pounds.
No paperwork needed
Just provide simple details online — no documents are required to get started
Takes 60 seconds to check
Our quick online form lets you check your eligibility in under a minute
No win, no fee
You won’t pay a penny unless your claim is successful — no hidden charges
Experienced team
Your case is in expert hands, guided by specialists who understand car finance claims
Who Can Claim?
You may be eligible to make a car finance claim if:
- You bought a car, van, or motorbike on finance between 2007 and 2021
- Your finance agreement was through Hire Purchase (HP) or Personal Contract Purchase (PCP)
- You were not told that a commission was paid to the dealer or broker
- You believe the interest rate may have been higher than expected
- The terms of your agreement were unclear or not properly explained
You can still claim even if the agreement has been paid off, the vehicle is sold, or the car finance was arranged years ago.
Thousands of drivers across the UK are finding out they were mis-sold — and claiming back what they’re owed. You could be one of them.
Drivers are claiming up to £10,000 for mis-sold car finance — find out if you’re eligible.
Hidden Commissions and Unfair Interest Rates
Car finance agreements like Personal Contract Purchase (PCP) and Hire Purchase (HP) were designed to help customers buy or lease vehicles affordably. However, many drivers were unaware that hidden practices — such as undisclosed commissions — could have made their finance deals significantly more expensive than necessary.
In many cases, dealerships and brokers received secret commissions from lenders. These payments often encouraged them to inflate interest rates without properly disclosing this to customers, meaning you may have unknowingly paid much more than you should have for your vehicle finance.
According to the Financial Conduct Authority (FCA), customers could have paid up to £1,100 extra on a typical four-year finance agreement for every £10,000 borrowed — amounting to millions of pounds in overcharges across the UK.
Were Proper Affordability Checks Carried Out?
Another issue raised by the FCA was the lack of robust affordability checks. Many customers were approved for finance without thorough assessments of whether they could comfortably afford the monthly repayments.
Instead, the focus was often on whether the customer posed a credit risk to the finance company — not whether the repayments were truly affordable in the long term. This practice left many drivers struggling financially, unaware that they might have had better options available elsewhere.
Unfair Commission Structures
Shockingly, some dealerships and brokers could set customer interest rates themselves — and earn higher commissions by charging higher rates. This created an apparent conflict of interest where customers were encouraged into agreements that were far more costly than necessary.
Many drivers were not informed of the following:
- The existence of a commission
- How commissions could affect the interest rate
- Their right to shop for alternative finance options
If this sounds familiar, you could be entitled to reclaim the money you overpaid through a car finance claim.
Frequently Asked Questions
What is a mis-sold car finance agreement?
It may have impacted your loan when the lender or broker didn’t clearly explain key terms — like commission payments.
Am I eligible to make a claim?
If you used car finance (PCP or HP) between 2007 and 2021 and weren’t told about a commission or were charged a higher rate without explanation, you may qualify.
How much can I claim back?
The amount depends on your individual finance agreement. Some drivers are receiving £1,000s in compensation.
Do I need any documents to claim?
Not to start. We’ll ask a few simple questions to check your eligibility — no paperwork is needed upfront.
Is this a no-win, no-fee service?
Yes. You’ll only pay if your claim is successful — no upfront or hidden fees exist.
How do I submit my claim?
It’s simple — fill out our quick online form with basic details about your car finance agreement. There’s no need for paperwork; it only takes a minute to check your eligibility. Once we receive your information, our team will assess your case and guide you through the following steps.