What Is a Porsche PCP Claim?
A Porsche PCP claim is a legal action you can take if your Personal Contract Purchase agreement was mis-sold—typically through hidden commission, inflated interest rates, or poor disclosure. It’s not about the car itself, but the fairness of the finance deal.
Porsche is a premium brand—and with that often comes a premium finance agreement. Many customers used PCP to fund models like the Macan, Taycan, or 911, trusting that the deal reflected transparent, high-standard financial advice. But in many cases, dealerships failed to disclose that they were earning commission on the agreement—sometimes by increasing the interest rate beyond what was necessary.
The Financial Conduct Authority (FCA) has identified this type of setup—known as a discretionary commission arrangement—as a key cause for concern. These were common between 2014 and 2020, and may have caused customers to unknowingly pay thousands more over the course of the agreement.
If your Porsche finance deal was presented without clarity around costs, alternatives, or commission, you could have a case. It only takes a few minutes to find out.
Check your eligibility here—there’s no cost, and no obligation to proceed.
How Do I Know If My Porsche Finance Was Mis-Sold?
You may have been mis-sold your Porsche finance if the dealership or broker didn’t clearly explain how the PCP agreement worked—particularly around commission, interest rates, or alternatives.
Many Porsche buyers assumed they were being offered expert guidance. But in reality, some finance agreements were structured to maximise profit for the dealership—not value for the customer. In many cases, interest rates were inflated using discretionary commission arrangements—where the dealer had control over the rate and stood to earn more by increasing it.
Common warning signs include:
- Not being told the dealership was earning commission on the finance
- Being told the interest rate was fixed by Porsche Financial Services (when it wasn’t)
- No discussion of other finance options like hire purchase or bank loans
- Unclear explanations of balloon payments or early exit fees
If you didn’t receive full, transparent information about how your Porsche PCP agreement was structured, you may be entitled to explore a PCP claim. It’s quick to check and free to get started.
Why Were Porsche PCP Deals Mis-Sold to Thousands of Drivers?
Porsche PCP agreements were mis-sold because many dealerships used interest-rate manipulation to earn undisclosed commission—without clearly informing customers.
Between 2014 and 2020, many Porsche drivers entered PCP finance agreements through brokers or Porsche dealerships that had the ability to adjust the interest rate. The higher the rate, the more commission they earned. But most buyers were never told that this discretion even existed.
This commission-driven model—called a discretionary commission arrangement—was flagged by the Financial Conduct Authority (FCA) as a widespread and harmful practice. Sales staff were financially incentivised to offer higher-cost finance products, rather than recommend what was genuinely best for the customer.
For Porsche buyers—especially those financing vehicles like the 911, Panamera or Taycan—the impact of even a small interest rate increase could result in thousands of pounds in additional, unjustified costs over time.
In some cases, customers were told that Porsche Financial Services had set the rate, when in fact it was manipulated at dealership level. The problem isn’t the vehicle—it’s the way the finance was presented. If you weren’t given full transparency, you may have a right to challenge the deal.
What Porsche Models Are Affected by PCP Mis-Selling?
Any Porsche model financed through a PCP agreement between 2014 and 2020 could be affected by mis-selling—regardless of whether the car was new or approved used.
The type of vehicle doesn’t determine eligibility. What matters is whether the finance was fairly and transparently sold. If the dealership failed to disclose their commission, manipulated the interest rate, or didn’t explain other finance options, the model you chose is irrelevant.
That said, PCP was especially popular across certain high-value Porsche models, making them more likely to have been affected by discretionary commission practices.
Examples of Porsche models commonly linked to PCP agreements:
| Model Range | Examples of Likely Affected Vehicles |
| Sports Cars | Porsche 718 Cayman, 718 Boxster, 911 Carrera, 911 Turbo |
| SUVs | Porsche Macan, Cayenne, Cayenne Coupé |
| Luxury Saloons | Porsche Panamera |
| Electric Range | Porsche Taycan, Taycan Cross Turismo |
| Performance Models | Porsche GTS, Turbo S, GT3, GT4 RS |
It doesn’t matter whether you still own the car, sold it, or returned it at the end of the term. If the finance agreement wasn’t properly explained, you may have grounds to start a Porsche PCP claim.
How Much Compensation Could I Receive?
If your Porsche finance agreement was mis-sold, you could be eligible for compensation—but the exact amount will depend on the details of your agreement and how it was structured.
There are no set figures or guaranteed outcomes. However, in cases where hidden commission or inflated interest rates were involved, a claim may seek to recover the difference between what you paid and what you would have paid under fair terms.
Given the high value of most Porsche PCP agreements, even modest increases in interest could lead to thousands of pounds in additional cost. The Financial Conduct Authority (FCA) has highlighted this as a serious issue—especially where discretionary commission arrangements were used to maximise dealership earnings.
Illustrative examples of potential compensation ranges:
| Porsche Model | Estimated Range (Illustrative) | Influencing Factors |
| Macan | £1,500 – £3,000 (est.) | Mid-range SUV with higher-volume PCP agreements |
| Cayenne | £2,000 – £4,000 (est.) | Larger loan amounts, longer terms |
| 911 / Panamera | £3,000 – £5,500+ (est.) | High-value finance with greater commission potential |
| Taycan | £2,500 – £5,000+ (est.) | Premium electric model with complex deal structures |
These ranges are purely illustrative and not based on actual payouts. Your eligibility and compensation potential would be assessed by a solicitor if your case qualifies.
Not sure if you’re eligible? Start a free check here—no cost, no commitment.
Do I Need to Pay to Make a Porsche PCP Claim?
No. You don’t need to pay anything upfront to begin a Porsche PCP claim. If your case qualifies, it will be handled on a no-win, no-fee basis by a solicitor.
This means you can have your agreement reviewed and assessed for mis-selling without any financial risk. If a solicitor agrees to take on your case, you’ll enter into a Conditional Fee Agreement (CFA)—which ensures you only pay a success fee if the claim wins.
That success fee is deducted from the compensation and is agreed in advance. If your claim is not pursued or doesn’t succeed, there’s nothing to pay.
We work only with solicitors who are authorised and regulated by the Solicitors Regulation Authority (SRA), and all claims are processed in line with guidance from the Financial Conduct Authority (FCA). There are no hidden costs, no pressure to proceed, and no obligation to continue if you change your mind.
Still unsure if you’re eligible? Start a free, no-obligation check in under two minutes.
How to Start Your Porsche PCP Claim with Us
Starting your Porsche PCP claim is quick, free, and entirely obligation-free. You don’t need documents to hand—just a few simple details.
We understand that Porsche finance agreements can be complex, and many drivers aren’t sure where to begin. That’s why we’ve designed a step-by-step process that keeps things simple, while giving you full control throughout.
Here’s how it works:
- Complete a short online eligibility check
This takes less than two minutes and asks about your vehicle, your agreement, and how the finance was explained to you. - We assess your responses
Our team looks for key signs of mis-selling—such as interest rate manipulation or non-disclosure of commission. - Referral to a solicitor if eligible
If your case meets legal criteria, we’ll introduce you to an SRA-regulated solicitor who may take the case forward on a no-win, no-fee basis.
There’s no pressure to continue if you don’t want to. You’ll remain in control from start to finish—and there’s no cost for finding out where you stand.
Start your free check today.
Do I Have a Deadline to Claim for Mis-Sold Porsche Finance?
Yes. In most cases, you have six years from when your PCP agreement ended—or from the point you became aware it may have been mis-sold—to make a claim.
This legal timeframe is based on the standard UK limitation period for financial claims. For some Porsche drivers, that six-year window may already have started when the agreement ended. For others, it may begin from the moment they first learned about commission-based mis-selling.
This is sometimes referred to as the “date of knowledge,” and it means that even if your agreement ended a few years ago, you could still be within your legal rights to claim—especially if you’ve only recently discovered how your finance deal was structured.
With the Financial Conduct Authority (FCA) currently reviewing historic finance sales, it’s a smart time to act. Deadlines aren’t always obvious until it’s too late—so checking now can protect your right to pursue a case.
Start your free eligibility check today. No cost. No pressure.
Why Choose PCP Claims to Handle Your Case?
At PCP Claims, we specialise in mis-sold car finance—and we understand the unique complexity of Porsche PCP agreements. This isn’t generic claims handling. It’s focused, regulated support.
Porsche finance deals often involve high loan values, multi-layered agreements, and premium customer expectations. That makes transparency even more critical. If your interest rate was inflated or a commission was never disclosed, you deserve answers—and potentially compensation.
Here’s why Porsche drivers choose us:
- We specialise only in PCP and HP mis-selling—not PPI or other unrelated claims
- We work exclusively with SRA-regulated solicitors
- Our process is FCA-aligned, fully compliant, and 100% transparent
- There are no upfront costs, and claims are handled on a no-win, no-fee basis
- You’re in control throughout—we don’t pressure you to proceed
If you suspect your Porsche finance agreement wasn’t fairly explained, we can help uncover the facts—without hassle or commitment.
Check your eligibility in minutes.
Frequently Asked Questions
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Can I claim if I’ve already sold my Porsche?
Yes. You may still be eligible. The claim focuses on how the finance was sold, not whether you still own the vehicle.
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What if I leased my Porsche through my business?
If the finance agreement was in your name, you could be eligible. Business leases are more complex, but some may still qualify.
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Are all Porsche PCP agreements mis-sold?
No. Only agreements where commission wasn’t disclosed or key terms weren’t properly explained may qualify for a claim.
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How long do I have to make a claim?
Usually six years from when your agreement ended or from when you became aware of possible mis-selling.
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Will claiming affect my credit rating?
No. Checking eligibility or starting a mis-selling claim won’t impact your credit file.
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What Porsche models are eligible?
Potentially all—from Macan to Taycan. What matters is how the finance was sold, not the model.
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What does no-win, no-fee really mean?
You pay nothing upfront. If your claim is successful, a pre-agreed success fee is deducted from any compensation.
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How long does the process take?
Timelines vary. Some claims resolve within months, but more complex cases may take longer depending on the finance provider’s response.
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