Car finance redress
Car Finance Claim Deadline: How Long Do You Have?
Independent and free. We're not a claims firm — here's the honest position on deadlines.
Redress estimate
Any figures here are an estimate, not a promise, and nothing on this page is financial or legal advice. You can claim free yourself — you don't need a claims firm.
There is no single, fixed car finance claim deadline yet, because the FCA is still finalising how its redress scheme runs. Don't be pressured by "act now" adverts — you can complain to your lender for free at any time.
Any figure you see is an estimate, not a promise — nobody is guaranteed a payout, and the amount depends on your own agreement. Check your position calmly with the compensation estimator.
Is there a deadline to claim?
No firm, scheme-wide deadline is confirmed yet, as the FCA is still setting out exactly how redress will work. The scheme was confirmed in 2025, with payouts expected through 2026.
When the FCA confirms time limits, we'll update this page. Until then, treat any "deadline" advert with caution.
Why time limits can still matter
Some general complaint time limits exist, so it's sensible not to leave things indefinitely. The Financial Ombudsman Service generally expects complaints within set periods.
Because exact rules depend on your case, it's worth starting your free complaint rather than waiting.
- Complaints usually need to reach the Financial Ombudsman Service within six months of the lender's final response.
- There are also longer general limits for raising a complaint in the first place.
- The FCA may set specific scheme dates — we'll add them here once confirmed.
Don't fall for deadline pressure
"Act now before the deadline" is often a claims-firm sales line. You can complain to your lender yourself, for free, on your own timeline.
Pressure is a red flag
Check your position
Rather than rush, get organised: estimate, then complain for free.
Try the compensation estimator, see when claims will be paid, and follow how to claim. Claiming is free and you can do it yourself: complain to your lender first, then escalate to the Financial Ombudsman Service. You do not need a claims-management company taking a cut.
Frequently asked
Is there a deadline for car finance claims?
How long do I have to complain?
Should I act now to beat a deadline?
Will I miss out if I wait?
Work out your next step
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