Black Horse · Land Rover

Land Rover finance with Black Horse

Check whether your Land Rover agreement arranged through Black Horse between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

Check your eligibility

Takes under 60 seconds. No documents needed. No win, no fee*.

About Black Horse

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.

Land Rover and motor finance

Land Rover is a premium British SUV brand with some of the highest average agreement values in the UK market; commission disclosure failures on Land Rover agreements may attract above-average redress.

PCP was strongly dominant across the Land Rover range. JLR Financial Services (Black Horse) was the primary manufacturer-linked finance provider for much of the scheme period, though broad market lenders also wrote significant volumes through dealer networks.

Land Rover and Range Rover operate at the premium-to-luxury end of the UK market, with consistently high average agreement values. PCP was near-universal for new vehicles, with values ranging from approximately £28,000 on a Freelander or Discovery Sport to over £90,000 on a full-size Range Rover. These high loan amounts mean that where commission was not properly disclosed, the financial impact could be among the highest of any brand in the FCA scheme. Black Horse (Lloyds) operated as the primary dealer finance partner for JLR throughout much of the scheme period.

Common Land Rover models in scope

Range Rover Evoque
Launched in 2011 and rapidly becoming one of Land Rover's bestsellers; predominantly sold on PCP with premium-level agreement values and strong finance penetration throughout the scheme period.
Discovery Sport
Land Rover's compact family SUV launched in 2014; strong PCP volumes from launch to the scheme end date, replacing the Freelander as the brand's accessible entry point.
Range Rover Sport
A higher-value SUV; agreements on the Range Rover Sport carry some of the larger credit amounts in the premium mainstream segment, commission exposure in eligible cases is correspondingly significant.
Range Rover
Land Rover's flagship model; among the highest agreement values across the entire UK motor finance market, commission disclosure failures here may attract the highest levels of redress.
Land Rover Defender
A consistent volume model across the scheme period, with the new generation launched in 2019 driving above-average PCP volumes through to the scheme end date.
Land Rover Discovery
Land Rover's full-size family SUV; sold on PCP throughout the scheme period with above-average agreement values.
Land Rover Freelander
Land Rover's entry-level SUV sold until 2014; covering the earlier part of the scheme period, Freelander agreements may fall within scope where commission was not properly disclosed.
Range Rover Velar
Launched in 2017 as a distinctive premium coupe-SUV; sold on PCP with above-average agreement values through to the scheme end date.

Are you eligible?

You may be eligible to claim against Black Horse if all of the following apply:

You took out a PCP or HP motor finance agreement between 6 April 2007 and 1 November 2024.
The finance was arranged through a UK dealer or broker, on a regulated agreement.
The agreement was for a car, van or motorcycle for personal use.
You can identify yourself, we can trace the agreement details on your behalf.

What makes an agreement eligible?

A Discretionary Commission Arrangement (DCA) was in place and was not properly disclosed to you. Under a DCA, the dealer could increase your interest rate to earn a larger commission from the lender without telling you.
The commission paid to the dealer was unusually high — amounting to at least 39% of the total cost of credit and 10% of the loan — and was not properly disclosed.
There was a contractual tie giving the lender exclusivity over your finance, which was not made apparent to you.

What you could receive

The FCA has confirmed the average payout under the scheme is £829 per agreement. Individual outcomes vary depending on the size of your agreement, the commission charged, and how long the finance ran. If you financed more than one vehicle through Black Horse, each agreement can be assessed.

How it works

1
Tell us your basics
Enter your name and a few details. We do not need finance documents to start, our team will trace historic agreements on your behalf.
2
We assess your agreements
We check what we find against the FCA scheme criteria and tell you which agreements are likely in scope, including any you may have forgotten.
3
We pursue the right route
Where the scheme offers the best outcome, we run it for you. Where independent litigation could produce a better result, we say so honestly and explain why.

Ready to check your Land Rover agreement with Black Horse?

Start your eligibility check

Takes under 60 seconds. No documents needed. No win, no fee*.

Frequently asked questions

Did Black Horse use Discretionary Commission Arrangements on Land Rover finance?

Black Horse is the UK's largest motor finance lender and operated Discretionary Commission Arrangements across a significant portion of its book before the FCA banned the practice in January 2021. If your Land Rover finance agreement was arranged through Black Horse before that date, there is a real possibility a DCA was applied, meaning the dealer could have increased your interest rate to earn a higher commission without your knowledge.

Which Land Rover models are covered?

Any Land Rover agreement financed through Black Horse between 2007 and 2024 may be in scope, including models such as Range Rover Evoque, Discovery Sport, Range Rover Sport, Range Rover, Defender, Discovery, Freelander and Velar. Eligibility depends on the specific agreement, not the model.

Can I do this myself?

Yes. You can contact your lender directly to make a complaint, or refer your claim to the Financial Ombudsman Service (FOS) yourself for free. The FCA's Consumer Redress Scheme is also designed to be accessible without legal representation.

Will making a claim affect my credit score?

No. Making a claim will not affect your credit score. This is a separate process from your credit history.

Do I need to find old paperwork?

No documents are required to get started. We can trace your finance agreements using basic personal details.

What if my lender has been taken over or has exited the market?

This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Related information

Financed a car between 2007 and 2024?

Check your eligibility for the FCA's mandatory motor finance redress scheme. Takes under a minute. No documents needed.