You could be owed money from your car finance
Reclaim unfair interest from PCP & HP agreements, No Win, No Fee.
Millions of UK drivers unknowingly overpaid on car finance due to hidden commission and unfair interest rates. If you financed a car between 2007 and 2024, you could be entitled to hundreds or even thousands in compensation.
quick eligibility check
No upfront costs
Takes less than 60 seconds
- Secure
- FCA-regulated partners
- No impact on your credit score
Real People. Real Results.
One of our panel of lawyers has already taken on the lenders and won5.
MrS B claimed £1,555 from BMW financial services
Mrs B bought a Mercedes on finance at 14.1% APR, unaware of undisclosed commission. On appeal, Liverpool County Court awarded her £1,486.08 plus £69 interest for the unfair rate.
Mrs W claimed £1,445 from BMW financial services
Miss W paid 7.7% APR instead of 5.2% after Arnold Clark inflated rates to earn £1,351 commission. Carlisle County Court ruled the deal unfair and ordered repayment plus £93.79 interest.
Mrs J claimed £1,608 from BMW financial services
Mrs J unknowingly paid a higher rate on her PCP deal so Arnold Clark could earn a £1,608 commission. Blackpool County Court found the relationship unfair and ordered repayment plus 2.9% interest.
Why were you charged unfairly?
If you financed a car between 2007 and 2024, you were likely overcharged
Between 2007 and 2024, most UK car finance agreements were sold using commission-based pricing models that worked against the customer.
During this period:
- Car dealers were allowed to increase your interest rate
- Higher interest meant higher commission for the dealer
- These commissions were rarely explained or disclosed
- Customers had no way to know they were paying more than necessary
In simple terms, you paid extra so the dealer could earn more, and you were not clearly told.
This is now widely recognised as unfair practice, which is why drivers across the UK are reclaiming money from old PCP and HP agreements.
If your car was financed at any point between 2007 and 2024, there is a strong chance your agreement was affected.
The only way to know for sure is to check, and it’s completely free.
What you can claim for
Most people don’t realize they are eligible. If any of the following apply to you, you could be owed thousands.
You may be eligible if you had
You're still covered even if
How Claim Car Money works
Quick Eligibility Check
Click “Claim Now” and answer a few quick questions, no paperwork needed.
Agreement Review
We securely identify your finance agreements and assess if you are eligible
Experts Handle Your Claim
If you’re eligible, FCA-regulated professionals manage the entire process on your behalf.
Why Trust Claim Car Money?
- Claims handled by experienced, FCA-regulated professionals
- Secure handling of your personal information
- Transparent, honest process from start to finish
- You remain in control at all times
Your Rights Matter:
You are always free to:
- Claim directly with your lender
- Go through the Financial Ombudsman
- Wait for any future redress schemes
- Many people choose Claim Car Money because it’s simpler and stress-free.
Check Your Car
Finance Claim Now
You’ve got nothing to lose,
and potentially a lot to gain.
- Secure form
- No upfront fees
- No obligation
Frequently Asked Questions
I’ve submitted the form what now?
We review your details and contact lenders to establish claim validity. We may refer your claim to a third party for processing.
How will I be updated?
We provide frequent updates in line with our Privacy Policy.
I haven’t heard anything is that normal?
Yes. Some parts of the process may involve extended wait times due to the pause on Lenders response to complaints
What’s the current status of the FCA’s guidance?
The FCA are set the finalise their redress early 2026, the lender’s deadline to respond to complaints has been extended to 31st May 2026.
What is this claim for?
If you took out a PCP, HP or PCH finance deal, you may have been mis-sold. We’ll check if you’re owed compensation.
What happens after I submit a claim?
We check your finance details, identify any eligible claims and manage the process form start to finish. We may refer your claim to a third party for processing.
What finance companies can you claim against?
We cover a broad range of lenders. Submit your form and we’ll check for eligible claims.
What’s the typical claim value?
Compensation would vary, the FCA currently estimate an average of £700 per agreement.
Is this like PPI?
Like PPI, a Redress Scheme will most likely be used to faclitate compenstation.
How do I give you the right information?
Complete our form—we’ll guide you through the process.
Do I pay anything upfront?
No. We operate on a strict no-win, no-fee basis.
We will charge you a fee based on a sliding scale from 18%-36% (inclusive of VAT) of your compensation. We will charge a termination fee if you cancel your agreement with us after the 14 days cancellation period, please read our Terms and conditions for more information.
Will this affect my credit score or existing finance?
No. Your credit score and existing agreements won’t be impacted.
Is my data safe?
Yes. Your data is handled securely and only used to manage your claim.
Do I need an insurance policy like with a law firm?
No. CMCs don’t require clients to enter into insurance policies.
How do I know if I was mis-sold?
If the finance was unclear, pressured or didn’t show other options, you may have been mis-sold.
Can I still claim if I no longer the car or have already finished paying it off?
Yes. Past agreements are still eligible.
Can I claim if I already used another company?
Yes. We can often take over the claim process. You will have to ensure that you have first exited your contract with your previous firm.
Is there a deadline to claim?
Not currently, but this may change when the FCA finalise their redress early 2026.
Can I claim on behalf of someone who has passed away?
Yes, if you’re the executor or authorised representative.
Can I claim for more than one agreement?
Yes. Each qualifying agreement can be assessed individually.
Can I claim for agreements before 2007?
No. Laws protecting consumers apply only from April 2007 onward.
How much do you charge?
18–36% (incl. VAT) of the compensation won. No fee if the claim is unsuccessful.
We will charge a termination fee if you cancel your agreement with us after the 14 days cancellation period, please read our Terms and conditions for more information.
Can I make the claim myself?
You can claim for free to your lender and the FOS, or by waiting for the compensation scheme the Financial Conduct Authority will launch in 2026.
How is compensation calculated?
Based on hidden commissions and inflated rates that you were not made aware of.
How long will it take?
The FCA have extended lenders deadline to respond to complaints to 31st May 2026. However, we will know more on timelines once the FCA finalise their redress.
When will I know if I’m eligible?
Often within a few days, but final decisions may depend on the finalised redress scheme.
I’ve submitted the form what now?
We review your details and contact lenders to establish claim validity. We may refer your claim to a third party for processing.
How will I be updated?
We provide frequent updates in line with our Privacy Policy.
I haven’t heard anything is that normal?
Yes. Some parts of the process may involve extended wait times due to the pause on Lenders response to complaints
What’s the current status of the FCA’s guidance?
The FCA are set the finalise their redress early 2026, the lender’s deadline to respond to complaints has been extended to 31st May 2026.
Can I cancel?
Yes. You can cancel anytime in writing. You will not be charged if cancelled within 14 days.
Will I be charged if I cancel?
There is no chargeable fee during the 14-day cooling-off period. After that, a reasonable charge may apply in line with the FCA’s guidance, if work has been done on your claim. Please read your terms and conditions for details.
Don’t Leave Money Behind
Thousands of drivers are already checking their agreements, many for the first time.
The sooner you check, the sooner you’ll know:
Whether you were affected
How much you may be owed
What your next steps are
It takes less than a minute to find out.
Check Your Car Finance Claim Now
You’ve got nothing to lose, and potentially a lot to gain.
- Secure form
- No upfront fees
- No obligation