Santander Car Finance Claim

Santander car finance claim estimates cover agreements with Santander Consumer Finance, the Santander business that runs dealer motor finance, using the FCA's published redress rules. Your Santander bank account plays no part: Santander Consumer Finance says it only manages motor finance agreements.

Estimate my Santander claim

You can complain to Santander Consumer Finance yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme. Santander's commission arrangement complaint form takes new complaints, with a separate form for contract hire.

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 15 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.

Santander car finance deals that can count

Santander Consumer Finance sells PCP and conditional sale finance on cars, commercial vehicles and motorcycles through dealers. An agreement qualifies when it began in the 6 April 2007 to 1 November 2024 window and commission was payable.

Santander handles these outside the scheme, through its standard complaints process:

agreements that started before 6 April 2007 or after 1 November 2024
agreements with businesses or limited companies
finance for a caravan, a jet ski or an add-on loan
contract hire and leasing agreements

Complain to Santander for free

Santander says a purchase agreement number has 14 digits and starts with 100; it is printed on your agreement documents. The FCA's list of lenders includes a free template letter.

To change contact details on an existing complaint, email commissionclaims@santanderconsumer.co.uk and quote your agreement number.

Questions Santander customers ask

Is Santander challenging the scheme?

No. Santander Consumer Finance states: "We aren't challenging the scheme."

Do I have to complain to be paid?

No. Santander says it will contact you if the courts allow the scheme and its records show you are eligible. You can still complain now through the same free form.

Can Santander answer my complaint before the hearing?

In some cases, yes. Santander can already tell certain complainants that they are not owed compensation, and that the challenge will not change this.

Value your next Santander agreement

Estimate another Santander agreement

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

See how the car finance claim calculator treats other lenders 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: 15 October 2026

Rules version: PS26/3, 30 March 2026