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Black Horse motor finance claims

Black Horse Finance is part of Lloyds Banking Group. If you financed a vehicle through Black Horse between 2007 and 2024, your agreement may fall within the FCA's redress scheme.

What to know about Black Horse claims

Black Horse is one of the largest motor finance providers in the UK and is part of Lloyds Banking Group. If your finance was arranged through a dealership, the lender on your agreement may appear as Black Horse rather than Lloyds. Older agreements may also appear under related Lloyds Banking Group records. Black Horse is one of the lenders in scope for the FCA motor finance redress scheme.

Black Horse has set aside £1.95 billion for motor finance redress. Lloyds confirmed in April 2026 it does not anticipate needing to make further provisions following PS26/3, though this could shift depending on consumer uptake and any separate litigation.

Named prominently throughout the FCA review. Lloyds confirmed in April 2026 it will not challenge the scheme. Black Horse is widely regarded as one of the lenders with the highest DCA exposure in the market given the scale of its book.

Black Horse is the UK's largest motor finance lender and is considered to have had significant DCA exposure across its book during the period before the FCA ban in January 2021.

Current scheme status

Accepting scheme; not challenging. Preparing for implementation.

Black Horse agreements by vehicle make

Read more about how the scheme applies to specific car makes financed through Black Horse.

Not sure which make to pick?

You don't need to. Start your eligibility check and we'll trace any Black Horse agreements linked to you, including ones you may have forgotten.

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