Moneybarn Claim for Car Finance Commission

Moneybarn claim estimates test the commission on your Moneybarn car, van or motorbike agreement against the FCA's redress rules. Moneybarn says it never used discretionary commission arrangements or tied arrangements, so a Moneybarn case turns on whether the commission was high.

Estimate my Moneybarn claim

You can complain to Moneybarn yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme. Email Moneybarn via its commission complaints page, or adapt the template letter on the FCA list of lenders.

Your agreement

Results update automatically as you type

1About the agreement

When did the agreement start? *

Month and year is enough. It is on your agreement or your credit file. We use the 1st of the month and show that.

What type of finance was it? *

The title of your agreement says which type it is.

What did the finance pay for? *

Any motor vehicle counts. Your answer does not change the figure.

Whose name was the agreement in? *

Mine, alone or with someone elseMy business: sole trader, partnership of 2 or 3, or unincorporated associationA company, an LLP or a partnership of 4 or more

The scheme covers people, sole traders and small partnerships. It does not cover companies.

Did you live in the UK when you took out the finance? *

Has this agreement already been dealt with? *

A complaint that is still open does not count.

Who was the lender? (optional)

Your answer does not change the figure. We use it to point you to that lender's free complaint route.

2The figures

How much did you borrow? *

Do not count your deposit. The FCA's rules call this the "total amount of credit".

What was the APR? *

The annual percentage rate on your agreement, for example 9.9. Tick "I do not know my APR" if you do not have it.

I do not know my APR

How many months did the agreement run for?

Count the monthly payments, for example 48. Leave it blank and we use 48 months, the default in the FCA's rules.

3Commission and extras

How much commission did the dealer get? (optional)

Most people do not know this, because your lender holds the figure. Leave it blank and we show a range.

Could the dealer choose your interest rate, and earn more commission for a higher rate?

This is a discretionary commission arrangement. We assume there was one when you are not sure. Your lender decides.

Lowest rate the dealer could have offered (optional)

Only your lender knows this. Leave it blank if you do not know.

Did the dealer have to offer this lender's finance first, or only this lender's finance?

This is a tie. We do not assume one when you are not sure. A tie with a car maker's own finance company does not count where the dealer was a franchised dealer with the same branding.

Results

Enter your agreement details

Answer the starred questions to see your estimate.

Scheme status as of 13 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The hearing is listed for 16 to 26 February 2027, and no scheme payments are expected before 2027.

Scheme status as of 14 October 2026: the Upper Tribunal has partly suspended the FCA scheme (PS26/3) since 1 July 2026 while it hears legal challenges. The hearing is listed for 16 to 26 February 2027. No scheme payments are expected before 2027.

Moneybarn agreements that can count

A Moneybarn agreement from April 2007 to November 2024 can only qualify for redress through high commission, as Moneybarn says it used no DCAs and no ties.

High commission means at least 39% of the total charge for credit and at least 10% of the amount borrowed (CONRED 5.1.1R). Commission of £150 or less (£120 before 1 April 2014) never counts. Moneybarn expects the scheme to affect a small number of its customers.

Commission and affordability are different complaints

This calculator and the FCA scheme cover commission only. A complaint that a Moneybarn loan was unaffordable when you took it sits outside the scheme; Moneybarn's feedback and complaints page explains that process.

Complain to Moneybarn for free

Email commission@moneybarn.com with as much detail as you have to identify the agreement, such as the registration and your address at the time. Moneybarn replies directly with the outcome of its assessment.

Moneybarn says a claims management company is optional, and that using one can mean paying fees out of any compensation.

Questions Moneybarn customers ask

Is Moneybarn challenging the scheme?

No. Moneybarn states that it is not one of the lenders involved in the legal challenges.

I already complained. Should I chase?

No. Moneybarn says there is no need to contact it again and that it writes when there is an update.

Will Moneybarn reply before the hearing?

For some complainants, yes. Over the coming months Moneybarn is writing to people whose complaints are not eligible for compensation under the scheme.

When will Moneybarn pay?

Not before the rules are final. Moneybarn says it cannot issue redress until then and expects the legal challenge to conclude in early 2027.

Value your next Moneybarn agreement

Estimate another Moneybarn agreement

You can complain to Moneybarn yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme.

Van owners can also read van finance claim, and the car finance claim calculator serves every name in car finance claims by lender.

Written and checked by

Tirion Oman

Motor Finance Claims Specialist

Claims manager with 10+ years in UK car finance

Checked against PS26/3 and CONRED 5 and 6. About the author

Published: 14 October 2026

Rules version: PS26/3, 30 March 2026