
PCP Claims by Manufacturer
Was your car finance mis-sold? You could be owed compensation.
If you bought a car on PCP between 2014 and 2020, there’s a growing chance your agreement wasn’t as fair as it should’ve been.
Hidden commission, inflated interest rates, and poor disclosure were widespread — and now drivers across the UK are claiming money back.
Find your car’s manufacturer below to see if you’re eligible. It takes two minutes to check, and you don’t need to have the original paperwork to get started.
Why Your Car’s Manufacturer Matters in a PCP Claim
Not all car finance was mis-sold — but much of it was, and most drivers wouldn’t know either way.
Between 2014 and 2020, PCP (Personal Contract Purchase) deals were the go-to choice for financing a car in the UK. Manufacturers pushed them hard. So did dealerships. But the way these agreements were sold is now under serious scrutiny. In many cases, customers weren’t told that the dealer or broker was earning commission based on the interest rate. The higher the rate, the more they made.
That’s where the issue lies. The Financial Conduct Authority (FCA) has already intervened — and depending on which brand you financed, you could be in line to claim compensation. Some manufacturers were linked to aggressive sales targets, while others used commission models that incentivised unfair lending.
This isn’t about blaming a specific carmaker. It’s about uncovering what happened at the point of sale — and giving you a clear way to challenge it if your agreement wasn’t handled properly.
Scroll down to browse PCP claim pages by brand or jump straight to the claims checker if you’ve already made up your mind.
Browse PCP Claims by Car Brand
Use the table below to find your car’s manufacturer and explore your options. Each page covers how PCP finance was typically sold for that brand, common mis-selling issues, and how to start your claim.
Manufacturer | Summary |
Audi PCP Claims | Often sold with balloon payments and commission-heavy deals. Popular PCP choice across prestige models. |
BMW PCP Claims | Premium finance packages, sometimes with unclear interest margins and commission bias. |
Ford PCP Claims | One of the UK’s most common PCP brands. High volumes mean higher risk of mis-selling through dealer networks. |
Land Rover PCP Claims | High-value vehicles with layered finance terms. Many customers weren’t told about optional commission structures. |
Mercedes-Benz PCP Claims | Sophisticated branding, but behind the scenes, many finance deals lacked transparency around rates and broker incentives. |
Porsche PCP Claims | Customers paid a premium — but often weren’t told the commission being earned on their agreement. |
Volkswagen PCP Claims | Mass-market appeal, yet vulnerable to finance mis-selling across multiple models and dealerships. |

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What If My Manufacturer Isn’t Listed?
Just because your car brand doesn’t appear above, doesn’t mean you’re not eligible.
PCP mis-selling wasn’t limited to a few high-profile manufacturers. It was a widespread issue across the industry — from luxury marques to budget-friendly city cars. The same selling tactics, the same hidden commissions, the same lack of transparency applied in showrooms and broker offices up and down the country.
Some manufacturers are more commonly associated with complaints simply because they sold more PCP deals. Others might not show up in the headlines — but that doesn’t mean the rules didn’t apply.
If you financed any car using PCP between 2014 and 2020, and you were never told how the interest rate was decided or whether the dealership earned commission, you have a right to ask questions.
We can help you get answers. Whether your car was bought new or used, leased from a dealer or a broker, the process is the same.
Don’t wait until your brand is added to the list — start your claim today.

Ready to Check Your PCP Claim?
If you’re even slightly unsure about how your finance agreement was sold, it’s worth investigating. You don’t need to have the paperwork, you don’t need to remember every detail, and you certainly don’t need to navigate it alone.
Tens of thousands of UK drivers are already taking action. Many had no idea they were entitled to compensation — until they looked into it.
All you need is your name, a few basic details about your car, and a couple of minutes.
If your deal was unfair, we’ll help you prove it.

Start My PCP Claim
Check NowFrequently Asked Questions
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What is a PCP claim?
A PCP claim is a request for compensation if your Personal Contract Purchase (PCP) finance agreement was mis-sold. Most claims relate to hidden commission — where the dealer or broker earned money based on your interest rate, without clearly explaining this. If you weren’t told, and you paid more than necessary as a result, you could be eligible for a refund.
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Can I still claim if I bought the car years ago?
Yes. Most eligible claims relate to deals made between 2014 and 2020, but older agreements may also qualify. What matters is whether you were given fair, transparent information when you signed the finance agreement — not how long ago it happened.
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Do I need paperwork or a copy of the agreement?
No. You don’t need to have the original paperwork to start a claim. As long as you know roughly when and where the agreement was made — and the make of the car — that’s usually enough to begin the process.
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What if I no longer have the car?
You can still claim. Your right to compensation isn’t affected by whether you’ve sold or returned the vehicle. The issue is with how the finance was sold at the time of agreement — not whether you still own the car.
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How much could I get back?
It varies. Some drivers are claiming back hundreds — others thousands. It depends on the value of the car, the interest rate, and how much commission was embedded in the deal. If your claim is successful, the compensation is designed to put you back in the position you’d have been in if the deal had been fair.
