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My PCP Claim

Mobilize Financial Services · Renault

Renault finance with Mobilize Financial Services

Check whether your Renault agreement arranged through Mobilize Financial Services between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

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

About Mobilize Financial Services

Mobilize Financial Services (formerly Renault Financial Services, then RCI Financial Services) operates as the captive lender for Renault Group's UK brands, providing finance through the franchised Renault and Dacia dealer networks. The business forms part of RCI Banque and typically captured the majority of new car finance at the point of sale for both brands. Broad market lenders also wrote Renault and Dacia finance through independent dealers and used vehicle outlets.

Current scheme status

Within scope of FCA scheme; participating in implementation. Formerly known as Renault Financial Services.

Renault and motor finance

Renault is an established mainstream brand in the UK with strong small car sales; consistent finance volumes across its range throughout the scheme period.

PCP and HP were both used across the Renault range, with Mobilize Financial Services (formerly Renault Financial Services, then RCI Financial Services) active through franchised dealers alongside broad market lenders.

Renault's strong small car volumes, particularly on the Clio and Megane, generated high finance transaction counts throughout the scheme period, though at lower average values than many other brands. PCP was common from around 2014 onwards, with agreement values ranging from approximately £7,500 on a Clio to £21,000 on a Kadjar or Captur. The high transaction count means a significant number of individual agreements may be in scope, even at lower individual claim values.

Common Renault models in scope

  • Renault Clio

    Renault's supermini and consistently its highest-volume UK seller; widely sold on PCP and HP across the scheme period across multiple generations.

  • Renault Megane

    Renault's family hatchback and estate; strong UK volumes on PCP and HP throughout the scheme period.

  • Renault Kadjar

    Renault's compact SUV sold from 2015 to 2022; predominantly sold on PCP during the latter part of the scheme period.

  • Renault Captur

    Renault's crossover SUV; growing PCP volumes from its 2013 launch to become one of the brand's bestselling UK models by the scheme end date.

  • Renault Zoe

    Renault's pioneering electric car; sold in the UK from 2013, PCP was commonly used for Zoe agreements including through the DCA era.

Are you eligible?

You may be eligible to claim against Mobilize Financial Services 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.

Note: agreements arranged through a captive finance arm can still fall within scope. The scheme covers regulated motor finance agreements regardless of whether the lender is independent or manufacturer-owned.

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 Mobilize Financial Services, each agreement can be assessed.

How it works

  1. 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. 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. 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 Renault agreement with Mobilize Financial Services?

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

Frequently asked questions

Did Mobilize Financial Services use Discretionary Commission Arrangements on Renault finance?
Like most motor finance lenders operating before the FCA ban in January 2021, Mobilize Financial Services (formerly Renault Financial Services) operated commission arrangements with dealers. If your Renault finance agreement was arranged through Renault Financial Services or Mobilize Financial Services between 2007 and 2024, it may fall within the FCA's scheme.
Which Renault models are covered?
Any Renault agreement financed through Mobilize Financial Services between 2007 and 2024 may be in scope, including models such as Clio, Megane, Kadjar, Captur and Zoe. 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.

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