Car Finance Tax Rebates
by Lender
If you received a car finance compensation payout, tax was almost certainly deducted before the money reached you. HMRC classes these payments as income — meaning 20% or more goes straight to the taxman. You may be able to claim it back.
Choose Your Lender
Select the lender you received your car finance compensation from to find out how to reclaim the tax deducted from your payout.
Blackhorse (Lloyds)
£1.95bn
Compensation provision set aside
Lloyds Banking Group set aside £1.95 billion for Blackhorse car finance compensation — one of the largest provisions in the scandal. Tax is deducted from these payouts at source.
Check My ClaimSantander Consumer Finance
£461m
Compensation provision set aside
Santander has raised its motor finance redress fund to £461m. If you received a payout on a Santander car finance agreement, a tax rebate claim may be due.
Check My ClaimBarclays Partner Finance
£325m
Compensation provision set aside
Barclays has set aside £325m to cover motor finance compensation claims. Tax deducted from Barclays Partner Finance payouts may be reclaimable from HMRC.
Check My ClaimClose Brothers
£300m
Compensation provision set aside
Close Brothers has provisioned £300m for motor finance redress and suspended its motor finance business. Tax on your compensation payout may be refundable.
Check My ClaimBank of Ireland UK
£142m
Compensation provision set aside
Bank of Ireland UK has provisioned €172m (£142m) for motor finance redress — one of the larger disclosed provisions. Tax may have been deducted from your payout.
Check My ClaimMotoNovo Finance
£9.1bn+
Total FCA industry redress fund
MotoNovo (FirstRand Bank) was at the centre of the landmark Court of Appeal ruling on car finance mis-selling. If you received a MotoNovo payout, tax may have been deducted.
Check My ClaimVolkswagen Financial Services
£9.1bn+
Total FCA industry redress fund
A MoneySavingExpert survey found 33% of VWFS complainants had DCAs confirmed on their agreements. Covers VW, Audi, SEAT, ŠKODA, Cupra and Porsche finance.
Check My ClaimBMW Financial Services
£9.1bn+
Total FCA industry redress fund
BMW Financial Services UK provides PCP and HP for BMW and MINI vehicles. BMW Group Financial Services is involved in the FCA's industry-wide DCA investigation.
Check My ClaimAlphera Financial Services
£9.1bn+
Total FCA industry redress fund
Alphera is the broker-introduced finance arm of BMW Group Financial Services, offering agreements across a wide range of brands. Named in DCA mis-selling claim guides.
Check My ClaimFord Credit (FCE Bank)
£9.1bn+
Total FCA industry redress fund
Ford Credit (FCE Bank plc) provides PCP and HP agreements for all Ford vehicles in the UK. Ford Credit is among the lenders subject to the FCA's redress investigation.
Check My ClaimMercedes-Benz Financial Services
£9.1bn+
Total FCA industry redress fund
Mercedes-Benz Financial Services UK provides PCP and HP for Mercedes-Benz, AMG and EQ vehicles. Agreements from April 2007 to November 2024 are within FCA scope.
Check My ClaimToyota Financial Services
£9.1bn+
Total FCA industry redress fund
Toyota Financial Services (TFS) UK provides finance for Toyota and Lexus vehicles. TFS is among the captive lenders affected by the FCA's motor finance investigation.
Check My ClaimRCI Financial Services
£9.1bn+
Total FCA industry redress fund
RCI (now Mobilize Financial Services) confirmed it used both DCA and non-DCA agreements for Renault, Nissan and Dacia vehicles — widening eligibility for customers.
Check My ClaimStellantis Financial Services
£9.1bn+
Total FCA industry redress fund
Stellantis Financial Services (formerly PSA Finance) covers Vauxhall, Peugeot, Citroën, Fiat and Alfa Romeo car finance agreements within the FCA's redress scheme.
Check My ClaimHonda Finance Europe
£9.1bn+
Total FCA industry redress fund
Honda Finance Europe plc provides PCP and HP agreements for Honda cars and motorcycles in the UK through the franchised dealer network. Within FCA redress scope.
Check My ClaimNovuna Vehicle Solutions
£9.1bn+
Total FCA industry redress fund
Novuna (formerly Hitachi Capital Vehicle Solutions) is a major UK vehicle finance provider. Agreements under both the Hitachi Capital and Novuna brands are in scope.
Check My ClaimBlue Motor Finance
£9.1bn+
Total FCA industry redress fund
Blue Motor Finance has confirmed it used DCAs on its car finance agreements — one of the clearer-cut cases in the scandal. Tax on your compensation payout may be reclaimable.
Check My ClaimMoneybarn
£9.1bn+
Total FCA industry redress fund
Moneybarn (Vanquis Banking Group) is a specialist near-prime car finance lender. Following the 2025 Supreme Court ruling, Moneybarn customers may have grounds to claim.
Check My ClaimOodle Car Finance
£9.1bn+
Total FCA industry redress fund
Oodle Car Finance says it did not use DCAs, but the Supreme Court's 2025 ruling means customers may still have claims for undisclosed commissions. Tax may have been deducted.
Check My ClaimAdvantage Finance
£9.1bn+
Total FCA industry redress fund
Advantage Finance says it did not use DCAs, but the 2025 Supreme Court ruling means undisclosed commissions may still give rise to claims for eligible customers.
Check My ClaimFirst Response Finance
£9.1bn+
Total FCA industry redress fund
First Response Finance is a specialist near-prime HP lender operating through broker networks. Agreements between April 2007 and November 2024 are within FCA scope.
Check My ClaimSecure Trust Bank (Moneyway)
£9.1bn+
Total FCA industry redress fund
Secure Trust Bank (formerly Moneyway) provided car finance through broker networks. Both the Moneyway and Secure Trust Bank brands are covered by the FCA redress rules.
Check My ClaimCreation Finance
£9.1bn+
Total FCA industry redress fund
Creation Finance (formerly BNP Paribas, now Ikano Bank) provided car finance agreements through dealer networks. Agreements within the FCA's April 2007–November 2024 window are in scope.
Check My ClaimSpecialist Motor Finance
£9.1bn+
Total FCA industry redress fund
Specialist Motor Finance provides HP agreements to near-prime customers through dealer and broker networks. FCA-regulated, with agreements from 2007–2024 within scope.
Check My ClaimEvolution Funding
£9.1bn+
Total FCA industry redress fund
Evolution Funding operates as both a broker and panel lender across hundreds of UK dealerships. Named in the FCA's motor finance investigation into DCA commission practices.
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