Car Finance Claim Calculator
Estimate how much you could be owed from a mis-sold car finance agreement. Covers PCP and HP deals affected by undisclosed or discretionary commission.
Car Finance Agreement Details
Enter your original finance details to estimate a potential refund
Select the type of car finance agreement you had.
The total amount borrowed for the vehicle, excluding any deposit.
The APR shown on your original finance agreement.
The length of your finance agreement in months.
DCAs (banned from Jan 2021) let dealers raise your rate to earn more commission.
Typical undisclosed commission was 20–40% of the total interest charged.
Estimated Refund
Your potential car finance claim breakdown
Enter your original finance agreement details above, then click Estimate Refund to see a possible claim value.
Car Finance Claim Estimate Ranges
Illustrative refund ranges based on typical UK car finance agreements with undisclosed commission, assuming a 4-year term.
| Amount Financed | Typical APR | Illustrative Refund Range |
|---|---|---|
| £8,000 | 9.9% | £300 – £700 |
| £12,000 | 9.9% | £450 – £1,050 |
| £18,000 | 10.9% | £800 – £1,800 |
| £25,000 | 11.9% | £1,300 – £2,900 |
| £35,000 | 12.9% | £2,200 – £4,800 |
Car Finance Claim FAQ
Everything you need to know about mis-sold car finance and commission refund claims in the UK.
A car finance mis-selling claim relates to agreements, typically PCP or HP deals, where the dealer or broker received a commission from the lender that was not properly disclosed to the customer, or where a discretionary commission arrangement allowed the dealer to increase the interest rate to earn more commission.
You may be eligible if you took out car finance, such as PCP or HP, before the practice was restricted, and the commission arrangement or its size was not clearly explained to you at the time. Eligibility depends on the specific agreement and lender, so check with the finance provider or the Financial Ombudsman Service.
Refund amounts vary based on the loan size, interest rate, term, and commission structure of the original agreement. Many successful claims have resulted in refunds covering a portion of the interest paid plus statutory interest, though the exact amount depends on individual circumstances.
A discretionary commission arrangement is a deal where the dealer could set the customer’s interest rate within a range, and their commission increased along with the interest rate. This created a conflict of interest, since dealers were financially incentivised to charge customers more, which regulators banned from January 2021.
No, you can complain directly to the lender for free, and escalate to the Financial Ombudsman Service if unresolved. Claims management companies can help, but they typically charge a percentage of any refund, so making the claim yourself keeps more of any money you are owed.