Car finance redress
Car Finance Compensation Calculator: Mis-Sold Claim
Estimate what you could be owed if your car finance was mis-sold through hidden commission — a free, DIY estimate.
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.
Estimate, not a promiseThis is an estimate, not a promise, and not financial advice. The actual basis is set by the FCA redress scheme. You can claim free yourself — you don't need a claims firm taking a cut.
Est. overpaid interest
£506
Indicative range
£450–£1,049
incl. interest on top
Indicative estimate only
- Interest added on top (est.)
- £243
- Indicative midpoint
- £749
A rough, illustrative estimate based on a commission uplift adding to your interest, plus interest on top. It is not a calculation of what you will receive. The FCA scheme decides eligibility and the exact figure — see how the scheme works, and complain to your lender free.
How we work this out
We estimate the extra interest a hidden commission uplift may have added over your term, then add interest 'on top' — the broad basis the FCA redress scheme uses. It's illustrative only.
Not a calculation of what you will receive. The FCA scheme decides eligibility and the exact figure.
Full method: how we calculate.
If your car finance was mis-sold through hidden commission, you may be owed redress — and this tool gives a rough, indicative estimate. It is an estimate, not a promise, and not financial advice. You can claim free yourself, with no claims firm taking a cut.
What is the car finance mis-selling scandal?
Between 2007 and 2024, many UK car finance deals carried hidden commission that pushed up the interest you paid. Where that commission wasn't properly disclosed, the agreement may have been mis-sold.
The FCA banned discretionary commission arrangements on 28 January 2021, and the Supreme Court ruled on commission disclosure on 1 August 2025. Read the scandal explained.
Were you mis-sold car finance?
You may have been mis-sold if your deal was taken out between 2007 and 2024 and involved a broker or dealer commission you weren't told about.
- The agreement dates from 2007 to 2024.
- It was arranged by a dealer or broker, not direct with the lender.
- A discretionary commission arrangement may have applied.
- The commission wasn't clearly disclosed to you. Check eligibility in were you mis-sold?
How much compensation could you get?
There's no set figure — redress reflects the extra interest you were charged, plus interest on top, and varies case by case.
Watch out
How is redress calculated?
The FCA scheme broadly looks at the extra interest a hidden commission caused, with interest added on top. The exact method is set by the scheme.
See the FCA redress scheme explained for how it works and the expected scale — around £8.2 billion across roughly 14 million agreements.
How to claim — for free, yourself
You complain to your lender first, then escalate to the Financial Ombudsman Service if needed — all for free.
- Find your agreement and note the lender, dates and APR.
- Complain to the lender using our free letter template, asking whether a discretionary commission applied.
- If unresolved, escalate free to the Financial Ombudsman Service. See how to claim.
When will claims be paid?
Payouts under the FCA scheme are expected through 2026, with dates confirmed as the scheme rolls out.
See when claims will be paid for the latest timeline.
Frequently asked
What is the car finance mis-selling scandal?
Was my car finance mis-sold?
How much compensation could I get?
How do I claim car finance compensation?
When will car finance claims be paid?
Work out your next step
Independent calculators — pick the one that fits your situation.