If you financed a Toyota or Lexus vehicle through Toyota Financial Services between 2007 and 2021, your agreement may have included undisclosed dealer commission — and you could be owed significant compensation.
No Win, No Fee · No upfront costs · SRA-regulated legal partner
Toyota Financial Services UK Ltd is the captive finance subsidiary of Toyota Motor Corporation and the exclusive finance provider for Toyota and Lexus vehicles sold through authorised UK dealerships. Established in the UK in 2000, TFS has been one of the most consistently active manufacturer-backed lenders throughout the period covered by the FCA's investigation.
Like other captive lenders, Toyota Financial Services used discretionary commission arrangements (DCAs) that allowed dealership finance managers to adjust the interest rate offered to a customer — and earn a higher commission in return. This practice was widespread across the industry and was not disclosed to customers at the point of sale.
The FCA's industry-wide review, confirmed by the Supreme Court's ruling in November 2024, establishes that such undisclosed commission arrangements were unlawful. Toyota Financial Services agreements from April 2007 to November 2021 are captured within the review scope. Customers who financed Lexus vehicles should note that the premium price point of Lexus models may mean higher absolute commission figures — and therefore higher potential compensation.
You are likely eligible if:
You may not qualify if:
Not sure whether your Toyota deal carried a standard APR or a promotional rate? We can check your original agreement as part of the free eligibility check.
Answer 5 quick questions. We confirm whether your Toyota or Lexus agreement qualifies under the FCA review criteria.
We submit a Data Subject Access Request to Toyota Financial Services to obtain your full finance file, including commission details.
Where grounds exist, a formal complaint is submitted to Toyota Financial Services — escalated to the Financial Ombudsman if needed.
Payment is made directly to you. Our fee is taken only from a successful outcome — no upfront costs, ever.