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Lender

Northridge motor finance claims

Northridge Finance is part of Bank of Ireland Group plc (via NIIB Group Ltd). If you financed a vehicle through Northridge between 2007 and 2024, your agreement may fall within the FCA's redress scheme.

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

What to know about Northridge claims

Northridge Finance is part of the Bank of Ireland Group and operates as a specialist motor finance lender in the UK. Finance was arranged primarily through dealer networks rather than directly with consumers. Northridge is one of the lenders in scope for the FCA motor finance redress scheme.

Northridge has set aside approximately £350 million for motor finance redress. Bank of Ireland Group's total motor finance provision stands at €429 million as of April 2026, significantly increased from £142 million set aside in February 2025. Northridge is the UK trading name of NIIB Group Ltd. Some customers may recognise NIIB Group or Northridge interchangeably.

Current scheme status

Participating in scheme; actively accepting complaints.

Northridge agreements by vehicle make

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

Not sure which make to pick?

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

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Northridge claims: frequently asked questions

Is Northridge part of the FCA motor finance redress scheme?
Yes. Northridge Finance is within scope of the FCA's Consumer Redress Scheme for regulated PCP and HP agreements taken out between 6 April 2007 and 1 November 2024. Participating in scheme; actively accepting complaints.
Did Northridge use Discretionary Commission Arrangements?
Like most motor finance lenders operating before the FCA ban in January 2021, Northridge Finance operated commission arrangements with dealers. If your car finance agreement was arranged through Northridge (or NIIB Group) between 2007 and 2024, there is a real possibility a commission arrangement affected what you paid. Northridge is actively accepting complaints and participating in the FCA's scheme.
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.

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.

Start your eligibility check