Black Horse · Vauxhall

Vauxhall finance with Black Horse

Check whether your Vauxhall 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.

Vauxhall and motor finance

Vauxhall has been the UK's second best-selling car brand for most of the scheme period, with the Corsa consistently placing in the UK's top three best-sellers.

PCP and HP were both widely used across the Vauxhall range. Dealer finance was heavily marketed at the point of sale, and broad market lenders including Black Horse and Santander wrote substantial Vauxhall volumes alongside the manufacturer's own finance arm.

Vauxhall's strong dealer network and high-volume sales made it one of the most widely financed brands in the UK during the scheme period. Agreement values ranged from approximately £7,000 on a Corsa to £23,000 on an Insignia or Grandland, with PCP penetration growing steadily from around 2012. Vauxhall's fleet and retail channels both generated high finance volumes, and the brand's pricing structure made it particularly attractive to buyers managing monthly costs through finance.

Common Vauxhall models in scope

Vauxhall Corsa
One of the UK's best-selling cars throughout the scheme period; massive PCP and HP volumes written on Corsa agreements from 2007 to 2024.
Vauxhall Astra
A consistent top-ten seller and one of the most commonly financed cars in the UK; both PCP and HP were widely used across multiple Astra generations.
Vauxhall Mokka
Launched in 2012, the Mokka and its successor Mokka X became one of Vauxhall's fastest-growing models, heavily marketed on PCP finance through dealer networks.
Vauxhall Insignia
A higher-value agreement car sold on PCP and HP throughout the scheme period; agreements typically covered larger credit amounts with higher commission exposure.
Vauxhall Crossland
Launched in 2017 as an urban crossover; sold predominantly on PCP during the latter part of the scheme period.
Vauxhall Grandland
Vauxhall's family SUV launched in 2017; growing PCP volumes through to the November 2024 scheme end date.
Vauxhall Zafira
A popular family MPV sold throughout much of the scheme period on PCP and HP; an established high-volume model in the first decade of the scheme.

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 Vauxhall 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 Vauxhall 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 Vauxhall 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 Vauxhall models are covered?

Any Vauxhall agreement financed through Black Horse between 2007 and 2024 may be in scope, including models such as Corsa, Astra, Mokka, Insignia, Crossland, Grandland and Zafira. 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.