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Kia motor finance claims

Kia grew significantly in the UK throughout the scheme period, evolving from a value brand into a competitive mainstream and near-premium player; consistent finance volumes across a broad model range.

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PCP became the dominant purchase route for Kia from around 2014 onwards. Kia Finance operates through franchised dealers as a separate entity from Hyundai Finance.

Kia's evolution from budget brand to competitive mainstream player drove growing finance volumes throughout the scheme period. PCP became the dominant purchase route from around 2016 as average vehicle prices increased, with agreement values ranging from approximately £8,000 on a Picanto to £29,000 on a Sorento. Kia's market growth during the DCA era, particularly the Sportage, generated one of the higher volumes of potentially affected agreements among brands of its size.

Common Kia models financed during the scheme period

Kia Sportage
Kia's bestselling UK model for most of the scheme period; one of the most consistently high-volume PCP models in the mainstream SUV segment from the third generation onwards.
Kia Ceed
Kia's family hatchback (sold as the Cee'd from 2007 to 2018, then rebranded); consistently strong UK volumes on PCP and HP throughout the scheme period.
Kia Picanto
Kia's city car; sold on PCP and HP throughout the scheme period, one of the brand's most accessible entry-level models.
Kia Rio
Kia's supermini; sold consistently on PCP and HP throughout the scheme period across multiple generations.
Kia Sorento
Kia's large family SUV; above-average agreement values in eligible cases given the higher vehicle price, predominantly sold on PCP from the third generation.
Kia Niro
Kia's hybrid and EV crossover launched in 2016; growing PCP volumes through to the scheme end date, particularly popular in hybrid form.
Kia Stinger
Kia's performance saloon sold in the UK from 2018; sold predominantly on PCP with above-average agreement values relative to the brand's mainstream models.

Lenders that financed Kia

These UK lenders wrote Kia finance during the FCA scheme period. Pick the one named on your agreement.

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Kia finance claims: frequently asked questions

Can I claim on Kia car finance?

Yes, if your Kia was financed on a regulated PCP or HP agreement arranged through a UK dealer between 6 April 2007 and 1 November 2024, and the agreement involved an undisclosed Discretionary Commission Arrangement, a high undisclosed commission, or an undisclosed tied arrangement. Eligibility depends on the agreement, not the model.

Which Kia models are covered?

Any Kia agreement in the scheme period may be in scope, including models such as Sportage, Ceed, Picanto, Rio, Sorento, Niro and Stinger.

Can I do this myself?

Yes. You don't need to use a solicitor or claims management company to pursue a motor finance complaint. You can contact your lender directly free of charge. The FCA's Consumer Redress Scheme is 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.

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.

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