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Lender

Santander motor finance claims

Santander Consumer Finance is part of Santander Group (Banco Santander SA). If you financed a vehicle through Santander between 2007 and 2024, your agreement may fall within the FCA's redress scheme.

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What to know about Santander claims

Santander Consumer Finance is the motor finance arm of Santander UK. Agreements arranged through dealerships during the review period may have involved discretionary commission arrangements between the dealer and the lender. Santander is one of the lenders in scope for the FCA motor finance redress scheme.

Santander has set aside £640 million for motor finance redress. Set aside across three separate provisions: an initial £295 million, increased by £166 million in February 2026, and a further £179 million following PS26/3 publication in March/April 2026. Santander holds approximately 9.4% of the UK motor finance market.

No Supreme Court involvement. Santander accepted the FCA scheme in late April 2026, describing the decision as "finely balanced", it had previously called on the government to intervene in the scheme and delayed publication of its Q3 2025 financial results due to uncertainty.

Santander is one of the UK's largest motor finance lenders 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

Accepted scheme; not challenging. Focusing on implementation.

Santander agreements by vehicle make

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

Not sure which make to pick?

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

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Santander claims: frequently asked questions

Is Santander part of the FCA motor finance redress scheme?
Yes. Santander Consumer 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. Accepted scheme; not challenging. Focusing on implementation.
Did Santander use Discretionary Commission Arrangements?
Like most motor finance lenders operating before the FCA ban in January 2021, Santander used commission arrangements with dealers across its book. If your car finance agreement was arranged through Santander before that date, there is a real possibility a commission arrangement affected what you paid.
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.

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