Find your lender below to see their specific provisions, key facts, and start your free eligibility check. The FCA investigation covers 14.2 million UK agreements across all major lenders.
The Court of Appeal (Hopcraft, October 2024) and UK Supreme Court (November 2024) confirmed that undisclosed dealer commission arrangements were unlawful. Lenders are now required by the FCA to compensate affected customers. The redress scheme is expected to open in 2026.
These lenders have publicly announced provisions — the strongest signal of expected compensation liability.
Lloyds Banking Group's motor finance arm — the largest single provision of any UK lender. One of the most active car finance providers in the country, funding millions of PCP and HP agreements.
Santander UK's motor lending division — second largest provision among UK lenders. Funded millions of car purchases through franchise and independent dealerships nationwide.
Barclays Bank's motor and retail finance arm (formerly Clydesdale Financial Services). Funded car purchases through thousands of dealerships — often without customers realising Barclays was the lender.
Named directly in the landmark Hopcraft v Close Brothers Court of Appeal ruling (October 2024). Lending temporarily suspended following the ruling. Particularly strong legal basis for claims.
BMW Group's UK finance arm — covers BMW and MINI vehicles (BMW Financial Services) plus all other brands through Alphera Finance. Premium vehicles may mean above-average compensation.
Specialist used car finance provider owned by FirstRand Bank. Active across independent and franchise dealerships, with a particular focus on second-hand vehicle agreements.
These lenders have not yet announced specific provisions but are under the FCA's industry-wide review. Customers with these lenders have the same rights to claim.
Single finance entity for all VW Group brands: VW, Audi, SEAT, Skoda, Porsche, CUPRA. One check covers agreements across all these brands.
Premium brand captive finance. Higher-value vehicles may mean higher-than-average commission overcharges — and higher compensation potential.
Captive finance for Ford — the UK's historically best-selling car brand. Potentially one of the highest agreement volumes of any lender in the qualifying period.
Covers Peugeot, Citroën, DS, Vauxhall, Opel, Fiat, Alfa Romeo, Jeep and CUPRA through authorised dealerships. Formerly PSA Finance, now Stellantis Financial Services.
Captive finance for Toyota and Lexus vehicles across authorised UK dealerships. Lexus premium models may mean above-average commission overcharges and higher compensation potential.
Single lender covering both Hyundai and Kia vehicles across the UK. Customers with agreements for either brand — or both — can submit claims through one free check.
Captive finance arm of JLR (Tata Motors) covering both Jaguar and Land Rover/Range Rover vehicles. Premium pricing may mean above-average compensation. FCA considering captive lender treatment.
Part of BMW Financial Services UK. BMW Group has provisioned £207m across BMW, MINI, and Alphera. MINI Cooper, Countryman, Clubman and all MINI models covered.
Part of Volkswagen Financial Services UK (VWFS). Premium Audi vehicles carry higher finance amounts — potentially resulting in above-average compensation claims.
Captive finance arm of Volvo Cars (Geely). Popular premium SUVs and estates (XC60, XC90, V60) carry above-average finance amounts — potentially higher claims.