Every major UK motor finance lender potentially affected by the FCA's PCP mis-selling redress scheme. Find your lender below and check your eligibility in 60 seconds.
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Multi-brand car finance arm of BMW Group. Provides PCP and HP for non-BMW brands at dealerships across the UK. BMW Group has provisioned £207M for potential redress.
Operates under Volkswagen Financial Services UK. Provides PCP and HP agreements through Audi dealerships. VW Group has set aside significant provisions for DCA claims.
Barclays' motor finance division providing PCP and HP agreements through independent and franchise dealerships. As a major UK bank, Barclays has acknowledged the FCA review and set aside provisions.
The UK's largest motor finance provider. Part of Lloyds Banking Group, which has provisioned over £1.2 billion for motor finance redress. Black Horse financed millions of PCP and HP agreements through dealers nationwide.
BMW's captive finance arm for BMW-branded vehicles. Also operates MINI Financial Services and Alphera. BMW Group has provisioned £207M for potential motor finance redress.
Specialist near-prime and subprime motor finance provider. Operates through independent used car dealerships across the UK. Known for higher commission arrangements typical of subprime lending.
US-headquartered financial institution with UK motor finance operations. Provided PCP and HP agreements through dealer networks, particularly for used vehicles.
One of the UK's largest motor finance providers for independent dealers. Close Brothers has provisioned £230M+ for motor finance redress. Specialises in used car finance through independent dealer networks.
Point-of-sale consumer finance provider that also operated in the motor finance space. Provided HP and conditional sale agreements through various dealer partners.
Ford's captive finance division. One of the most widely used motor finance providers in the UK, financing Ford Focus, Fiesta, Kuga and other popular models through Ford dealerships.
Now trading as Novuna Vehicle Solutions. Previously one of the UK's major vehicle finance and fleet management providers. Agreements under the Hitachi Capital name are covered by the FCA scheme.
Honda's captive finance arm in the UK. Provides PCP and HP agreements exclusively through Honda dealerships for models including Civic, CR-V, Jazz and HR-V.
Finance arm of Hyundai Motor Group in the UK. Provides PCP and HP for both Hyundai and Kia branded vehicles through their respective dealer networks.
Finance division of Jaguar Land Rover (JLR). Provides PCP and HP for Jaguar and Land Rover vehicles through their UK dealer network. Higher average finance values typical of premium brands.
Toyota's mobility brand offering vehicle subscriptions and leasing. Previously operated under Toyota Financial Services. Historical PCP and HP agreements from Toyota dealers fall under the FCA review.
Specialist motor finance provider operating through independent used car dealerships. Liverpool-based lender known for flexible lending criteria and dealer commission arrangements.
Mercedes' captive finance division. Provides PCP and HP for Mercedes-Benz vehicles through franchise dealerships. Higher average finance amounts with proportionally higher potential commission recovery.
Part of BMW Financial Services. Provides PCP and HP exclusively through MINI dealerships for Cooper, Countryman and other MINI models. BMW Group's £207M provision covers MINI agreements.
Specialist subprime motor finance lender. Caters to consumers with limited or poor credit history. Higher interest rates and commission levels make potential DCA claims particularly significant for Moneybarn customers.
Major UK motor finance provider and subsidiary of South African bank FirstRand. Heavily involved in the Johnson v FirstRand Supreme Court case. Operates primarily through independent used car dealerships.
Digital-first used car finance provider. Offers HP agreements through online platforms and dealer partnerships. Known for flexible lending criteria and technology-driven customer experience.
Specialist motor finance bank providing hire purchase and conditional sale agreements through independent dealer networks. Known in the subprime and near-prime lending segments.
Now part of Stellantis Financial Services. Provides PCP and HP for Peugeot, Citroën, DS, Vauxhall (Opel), and Fiat brands through their UK dealer networks.
One of the UK's largest motor finance providers. Finance partner for multiple brands including Volvo, Hyundai, Mazda, and Kia. Santander has provisioned over £295M for motor finance redress.
Glasgow-based near-prime motor finance specialist. Caters to consumers who don't qualify for mainstream lending. Operates through independent dealer networks with flexible commission structures.
Suzuki's captive finance offering through UK Suzuki dealerships. Provides PCP and HP for Swift, Vitara, S-Cross and other models. Typically lower finance amounts but commission arrangements still apply.
Toyota's captive finance division in the UK. Provides PCP and HP for Toyota and Lexus vehicles. Also operates under the KINTO brand for mobility services. One of the largest manufacturer finance providers.
Vauxhall's dealer finance provided through Stellantis Financial Services (formerly PSA Finance). Covers Corsa, Astra, Mokka and other popular Vauxhall models. Previously operated under GM Financial.
VW Group's finance division covering Volkswagen, Audi, SEAT, SKODA and CUPRA brands. One of the largest manufacturer finance providers in the UK. VW Group has acknowledged the FCA investigation and set aside provisions.
Volvo's captive finance offering in the UK. Historically provided through Santander Consumer Finance as a finance partner. Covers XC40, XC60, XC90, V60 and other Volvo models.
Online car finance broker that connects consumers with multiple lenders. Zuto acts as an intermediary, but the underlying finance agreements with the lenders they broker may be affected by the DCA review.
Not sure who provided your car finance? Here are four ways to find out.
The lender's name appears on the first page of your PCP or HP contract. This is the most reliable source. If you have kept any paperwork from your vehicle purchase, look for the finance agreement signed at the dealership.
All active and historical finance agreements appear on your credit file. You can obtain a free credit report from Experian, Equifax, or TransUnion. Look under "Credit Accounts" or "Financial Agreements" for motor finance entries showing the lender name and agreement dates.
Monthly car finance payments will appear on your bank statements with a reference that usually includes the lender name. Search your bank's online statements for regular monthly payments in the range of £150–£600 during the period you had the vehicle.
If you cannot find any of the above, simply register with MotorRedress. Using your name and basic details, we can submit a data access request to identify your lender and retrieve your original agreement details at no cost to you.
Common questions about car finance lenders and PCP claims
All UK motor finance lenders that used Discretionary Commission Arrangements (DCAs) between April 2007 and January 2021 are potentially affected. This includes all the major lenders listed on this page. The FCA estimates 14.2 million agreements may be affected. The largest provisions have been set aside by Lloyds (Black Horse), Santander, and Close Brothers.
The lender matters in terms of the specific commission arrangement used, but all lenders that employed DCAs are subject to the FCA's redress scheme. Some lenders (particularly those serving the used car and subprime markets) tended to have higher commission rates, which can mean higher compensation amounts. However, every eligible claim is assessed on its individual merits.
Yes. When a lender changes name, merges, or is acquired, the new entity inherits responsibility for historical agreements. For example, if your agreement was with GM Financial (now part of Stellantis), the claim would be directed to Stellantis Financial Services. We handle all lender identification and tracking as part of our service.
If you used a broker such as Zuto, the claim is typically made against the underlying lender who provided the finance agreement, not the broker. The lender's name will appear on your finance contract. However, in some cases, brokers may also have received commissions that are claimable. We assess both routes when handling your claim.
Some lenders have begun proactive outreach and early settlements, particularly for straightforward DCA claims. The FCA's formal scheme is expected to launch in mid-2026, with bulk payments from late 2026 into 2027. Registering now puts you in the queue for the earliest possible processing once the scheme formally opens.
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