Car Finance Claims UK: Who Can Claim in 2026?

Car finance claims have become one of the most talked-about financial issues in the UK, with many drivers now questioning whether their agreement was fully explained.

If you’ve had a car on finance, you may be wondering whether you could be affected — and what your options are.

In this guide, we explain who may be able to make a car finance claim in 2026, what the FCA review means, and how to take the next step.

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What Are Car Finance Claims?

Car finance claims relate to concerns about how some motor finance agreements were arranged, particularly where important information may not have been clearly disclosed.

This includes situations where:

• Commission arrangements were not explained

• Interest rates may have been influenced by third parties

• Key terms were unclear at the point of sale

Each case depends on individual circumstances, but many customers are now exploring whether they may have grounds to complain.

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Why Are Car Finance Claims Increasing in 2026?

The increase in claims is largely linked to the Financial Conduct Authority (FCA) review into historic motor finance agreements.

The FCA is investigating the use of discretionary commission arrangements (DCAs), where brokers or dealerships could adjust interest rates.

In some cases, this may have resulted in customers paying more than expected without fully understanding why.

As a result, more people are now checking whether their agreement could be affected.

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Who Can Make a Car Finance Claim?

You may wish to explore your options if you:

• Took out car finance through a dealership

• Entered into a PCP or HP agreement

• Were not told about commission or how it worked

• Did not fully understand the terms of your agreement

• Feel the interest rate was higher than expected

It does not necessarily matter whether your agreement is still active or has already been completed.

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What Types of Car Finance Agreements Are Affected?

The most commonly discussed agreements include:

PCP (Personal Contract Purchase)

One of the most popular types of car finance in the UK, often involving optional final payments.

HP (Hire Purchase)

A more straightforward agreement where you pay monthly instalments and own the vehicle at the end.

Both types of agreements may be relevant depending on how they were arranged and explained.

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Do You Need Documents to Make a Claim?

Not necessarily.

In many cases:

• Agreements can be located using your details

• Lenders may still hold the relevant records

However, having documents such as agreements or statements may help provide additional clarity.

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What Are Your Options?

If you believe your agreement may be affected, you have several options:

• Contact your lender directly

• Submit a complaint yourself

• Refer your case to the Financial Ombudsman Service

• Use a claims management company for support

You are not required to use a third party, and the decision depends on your personal preference.

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How Case Matters Can Help

Case Matters supports customers who want help understanding and progressing a potential car finance claim.

Our team:

• Reviews available information

• Explains the process clearly

• Keeps up to date with FCA developments

• Supports you throughout if you choose to proceed

If your claim is taken forward, it is typically handled on a no win, no fee basis.

Important FCA Information

The Financial Conduct Authority is continuing its review into motor finance agreements.

This may affect:

• How claims are assessed

• The process involved

• The timeframes for outcomes

Case Matters continues to monitor updates and provide guidance based on the latest available information.

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Final Thoughts

Car finance claims are evolving as more information becomes available through the FCA review.

If you’ve had a car on finance, taking a few minutes to check your details could help you better understand your position and what options may be available.

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Frequently Asked Questions

Can I claim if my car finance is paid off?

Yes, you may still be able to explore your options even if your agreement has ended.

How long does a car finance claim take?

Timelines can vary depending on the lender and the ongoing FCA review.

Is compensation guaranteed?

No. Each case is assessed individually, and outcomes are not guaranteed.

Do I need to have been mis-sold?

Not necessarily. Some claims relate to whether important information — such as commission or how your interest rate was set — was clearly explained at the time of your agreement. Even if you were not aware of any issues at the time, you may still wish to check whether your agreement could be affected.