Had a car on finance between 2007-2024?

Yes? There is 95%* chance your car finance agreements have been mis-sold meaning you could be owed compensation without even knowing.

Mis-sold PCP car finance

Find out what you can claim

  • The average payout is £1,500**, but many claims are worth significantly more.

  • And thats just for one car loan ...

  • Use our quick and easy agreement checker, answer a few questions, and start your check for potential claims.

  • It takes just 60 seconds - no old paperwork needed!

The hidden truth about car finance

For years, car dealers and middlemen pocketed hidden commissions from Banks - up to 15% of your car’s value.

These payments were built into the interest you paid, costing you hundreds or even thousands of pounds more than necessary.

What changed?

A Landmark Court Ruling Has Turned the Tables

In October 2024, the UK Court of Appeal ruled that:

  • Car dealers and middlemen must have had your informed consent to take commissions from Banks.

  • Historically, nobody complied. Almost every car finance deal had hidden commissions that weren’t correctly disclosed to you.

This means your car finance agreement may have been unfair - and you could now be owed thousands.

What you could get back?

Refunds depend on a number of factors including loan amount, hidden commissions, interest charged, and repayment terms.

MotorPayout experts help ensure you get what is owed.

The average compensation is £1,500 per claim - but some are worth much more!

If you've had multiple car loans between 2007 and October 2024, you are likely entitled to a significantly higher refund!

Making a claim is easy

1) Find your agreements

Share basic details and we’ll start discovering potential claims. It only takes a minute and is quick and easy.

2) Our experts handle the claim

After securing the best possible compensation for your claim, MotorPayout will make payment to your chosen bank account.

3) Get Paid

MotorPayout experts review your claim, factoring in loan amount, hidden commissions, interest, and repayment terms. They handle the entire process, from preparation to submission.

Benefits of using
MotorPayout

  1. Expertise: MotorPayout specialises in car finance claims and understands the nuances of the Court of Appeal judgement and FCA regulations.

  2. Time-Saving: We handle the entire process for you, from gathering evidence to submitting the claim and negotiating with lenders.

  3. Higher Success Rates: Our experience increases the likelihood of a successful outcome, ensuring you get the maximum compensation you’re entitled to.

  4. No Win, No Fee: You don’t pay anything upfront. We only charge a fee if your claim is successful.

  5. Stress-Free Process: Letting professionals handle your claim means you can focus on other things while we fight for your compensation.

Real stories, Real wins

“I never knew about the commission my dealer took. Thanks to you I got £1,800 back!”

— Sarah T., London

“They made it so easy. I got a full refund on two car loans including interest - over £3,000!”

— James R., Manchester

Don’t miss out on what you’re owed!

Over 95% of car finance agreements between 2007 and October 2024 could qualify. Find out if you’re one of them today.

FAQs

  • You may be eligible if:

    • You were not informed about hidden commissions on your car finance deal.

    • You did not provide your explicit consent for the amount of commission paid.

    • The terms of your Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement were not fully explained.

    • You were sold a finance agreement that was unaffordable or unsuitable for your financial situation.

    • You experienced unexpected charges or penalties.

    • You purchased a car with finance between April 2007 and October 2024

    Our free eligibility check can help you determine if you have a valid claim.

  • Nothing upfront. We operate on a 'No Win, No Fee' basis, so there’s no risk of paying without receiving a successful claim. If your claim is successful, our fee is 30% + VAT (36% including VAT). This fee covers everything—from reviewing your claim to navigating the complexities and managing all the hard work—so you don’t have to. No upfront costs or hidden charges mean you’re never out of pocket. Please note, a cancellation fee may apply if you cancel outside the cooling-off period.

  • You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service.

    However, we believe our service offers real value due to the hard work we put in, our expert knowledge in assessing claims, checking offered compensation to ensure it is correct and appropriate, and our experience in dealing directly with lenders.

  • Registering now ensures your claim is prioritised and will be processed promptly following the Supreme Court’s anticipated ruling on car finance compensation for mis-sold loans in May 2025.

    This approach maximises your chances of securing the full compensation you deserve. Submitting a claim before the ruling could result in lenders rejecting it or offering less than you may be entitled to after the decision. By waiting for this critical guidance, we ensure your claim is handled with the most accurate and up-to-date information, achieving the best possible outcome for you.

    Any claims company offering to submit your claim immediately does without sight of the Supreme Court’s judgment. This may result in you not receiving the best outcome.

  • Most claims are resolved within a few months. We’ll keep you updated every step of the way.

    We are also awaiting a Supreme Court judgment, expected in May 2025, which could open the door to additional claims for mis-sold loans.

  • A car finance claim is a process that allows you to seek compensation if you were mis-sold a car finance agreement or charged hidden commissions by a lender or dealer. If your agreement included unfair terms, you could be eligible to reclaim thousands of pounds.

  • Hidden commissions occur when a car dealer or broker receives a payment from the lender without informing you and getting your consent. These commissions often lead to higher interest rates, costing you more over the term of your agreement. By law, lenders and dealers must disclose these commissions. Almost all car finance agreements contain these commissions.

  • The amount of compensation depends on your specific agreement and the extent of unfair practices involved. Many customers have successfully reclaimed thousands of pounds. Our team will assess your case and provide a clear estimate of what you could recover.

  • Yes, you can still make a claim even if you’ve already paid off your finance agreement or the deal has ended. Claims can often be made years after the agreement was completed. Contact us to check your eligibility.

  • We can help with claims related to various types of car, van and motorcycle finance agreements, including:

    • Personal Contract Purchase (PCP)

    • Hire Purchase (HP)

    • Personal Loans used to purchase vehicles

  • MotorPayout keeps the process simple - no jargon, no stress. Just share your details, and our team will take care of everything, from assessing your claim to negotiating with lenders.

  • Absolutely. UK courts have ruled that certain commissions paid to car dealerships for arranging loans are unlawful. Consumer protection laws mandate that lenders and dealerships operate transparently and fairly. If they fail to meet these standards, you are fully entitled to make a claim.

  • Starting your claim is easy:

    1. Complete our online form.

    2. We’ll assess your case for free and let you know if you’re eligible.

    3. We’ll then take care of everything else. From creating your claim through to dealing with the lender, we handle all the hard work so you don’t have to.