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Santander · Audi

Audi finance with Santander

Check whether your Audi agreement arranged through Santander 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 Santander

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.

Audi and motor finance

Audi is one of the UK's leading premium car brands, with aspirational positioning that drove very high PCP finance penetration and above-average agreement values throughout the scheme period.

PCP was strongly dominant for Audi, with Volkswagen Financial Services (which covers all VW Group brands including Audi) very active through franchised Audi dealers. Above-average agreement values mean commission exposure may be particularly significant.

Audi's premium positioning made it one of the highest-value brands in the UK motor finance market during the scheme period. PCP was strongly dominant, with most buyers financing at the dealership through VWFS or broad market lenders. Average agreement values ranged from approximately £15,000 on an A1 to £42,000 on a Q7, making Audi one of the brands where undisclosed commission had the most significant individual financial impact. Audi's consistent sales growth through the scheme period generated substantial total finance volumes.

Common Audi models in scope

  • Audi A1

    Audi's entry-level premium hatchback; strong PCP volumes from its UK launch in 2010 onwards, appealing to younger buyers seeking the Audi badge on accessible finance.

  • Audi A3

    Audi's highest-volume UK model; consistently a top-ten seller and one of the most frequently financed premium cars in the market throughout the scheme period.

  • Audi A4

    A higher-value executive car with strong PCP penetration; agreements typically cover larger credit amounts with correspondingly higher commission exposure in eligible cases.

  • Audi A5

    Audi's premium coupe and sportback; sold predominantly on PCP with above-average agreement values through the scheme period.

  • Audi A6

    Audi's flagship executive saloon; one of the higher-value agreements across the premium segment, with significant PCP penetration throughout the scheme period.

  • Audi Q3

    Audi's entry-level SUV; rapidly growing UK volumes from 2012 onwards, predominantly sold on PCP with strong finance penetration.

  • Audi Q5

    Audi's mid-size SUV; strong PCP penetration throughout the scheme period with above-average agreement values.

  • Audi Q7

    Audi's large SUV; one of the highest-value agreements in the premium mainstream segment, commission disclosure failures here may attract correspondingly higher redress.

  • Audi TT

    A niche sports model sold consistently throughout the scheme period on PCP; aspirational positioning made this a natural PCP purchase.

Are you eligible?

You may be eligible to claim against Santander 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 Santander, 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 Audi agreement with Santander?

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

Frequently asked questions

Did Santander use Discretionary Commission Arrangements on Audi finance?
Like most motor finance lenders operating before the FCA ban in January 2021, Santander used commission arrangements with dealers across its book. If your Audi finance agreement was arranged through Santander before that date, there is a real possibility a commission arrangement affected what you paid.
Which Audi models are covered?
Any Audi agreement financed through Santander between 2007 and 2024 may be in scope, including models such as A1, A3, A4, A5, A6, Q3, Q5, Q7 and TT. 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?

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