PSA Finance Claim: What UK Customers Need to Know in 2025

Find out if you're eligible to make a PSA Finance claim in 2025. Learn how UK drivers can claim refunds for mis-sold car finance, hidden commissions, and unfair deals.

Jul 17, 2025 - 09:59 Updated: Jul 17, 2025 - 12:44

PSA Finance Claim: What UK Customers Need to Know in 2025

Many people in the UK use car finance to buy a vehicle, and PSA Finance is one of the companies that offer these services. PSA Finance works with brands like Peugeot, Citroën, DS Automobiles, and Vauxhall. Over the years, some customers have started to question if their car finance agreements were fair. They were not told that dealers might be earning a commission from PSA Finance, which could mean they paid more than they needed to. This has led to many people asking for refunds. These are known as PSA Finance claims. In 2025, more UK drivers are checking if they were mis-sold car finance and trying to claim back money. If you’ve ever had a deal with PSA Finance, this could apply to you. In this article we are going to explain what a PSA Finance claim is, who can claim, how it works, and how much you could receive.

What Is a PSA Finance Claim and Why Are People Making Them?

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A PSA Finance claim is when someone asks for compensation because they were not treated fairly when signing a car finance deal. In many cases, people were not told that their car dealer was getting a commission from PSA Finance. That matters because it could have affected the price or the interest rate of the deal. If you didn’t know this at the time, you might have paid more than you needed to. The Financial Conduct Authority (FCA) found that some car finance companies and dealers were using unfair commission models. These added extra costs without telling the customer. That’s why many drivers in the UK are now making PSA Finance claims. This kind of mis-selling could have happened even if the car and finance seemed fine at the time. If your agreement started between 2007 and 2021, it’s worth checking your deal now.

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Who Can Make a PSA Finance Claim in the UK?

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If you bought a car using a finance deal with PSA Finance in the UK, you could be able to make a claim. This includes deals made through Vauxhall, Peugeot, Citroën, and DS Automobiles. It doesn't matter if the deal is finished or if you no longer have the car. You can still claim as long as your finance was active between 2007 and 2021. What matters is whether you were told clearly that the dealer was being paid a commission. If that wasn’t made clear, then your agreement may have been mis-sold. Both Personal Contract Purchase (PCP) and Hire Purchase (HP) customers may be affected. Even if you trusted the dealer, it’s your legal right to know all the facts before signing. If that didn’t happen, you could be owed compensation under UK consumer rules.

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Signs Your PSA Car Finance May Have Been Mis-Sold

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Many people are unsure if their finance deal was unfair. Here are signs that your PSA Finance agreement may have been mis-sold:

The dealer didn’t tell you they were earning commission.
You didn’t know about different finance options.
The monthly payments were higher than expected.
You felt rushed into signing the agreement.
You were not given a full breakdown of fees or interest.
The deal was hard to understand or not explained clearly.

If any of these happened to you, then your deal may not have been fair. Mis-selling doesn’t always mean the car or service was bad — it means the way it was sold was not clear or honest.

How Much Compensation Can I Get from a PSA Finance Claim?

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The amount you could get from a PSA Finance claim depends on how much you borrowed and how much extra you were charged due to the commission. In many cases, people in the UK have received refunds between £500 and £5,000. If your payments were higher because of hidden commission fees, that money could be paid back to you. In some cases, interest is also added to your refund. You do not need to guess — there are tools and claims services that can help calculate what you may be owed. But even if you’re not sure of the exact amount, you still have the right to ask PSA Finance to review your case. Every deal is different, but if the commission was not explained, that is enough to begin your claim.

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Step-by-Step Guide: How to Make a PSA Finance Claim

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Making a claim is easier than most people think. Here is a simple step-by-step guide:

Collect your documents – Find your car finance agreement and any letters, emails, or statements.
Review your deal – Look for signs that the dealer didn’t explain the full cost or didn’t tell you about their commission.
Write a complaint – Contact PSA Finance directly and explain why you think the deal was unfair.
Wait for a response – They have up to 8 weeks to reply to your complaint.
Go to the Ombudsman – If they say no or don’t respond, send your complaint to the Financial Ombudsman Service (FOS).
Get your refund – If the Ombudsman agrees with you, PSA Finance may have to give you your money back.

You don’t need to use a lawyer or claims company, but you can if you want extra help.

How Long Do I Have to Make a PSA Finance Claim?

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There is a time limit for making a claim. In most cases, you have up to 6 years from the date the finance agreement started. But if you only just found out that your deal may have been unfair, you may have 3 years from the date you realised something was wrong. For example, if you only learned about mis-selling in 2023, you could still claim in 2025. These deadlines are important. If you miss them, you might lose your right to claim. So it’s better to act now. If you’re unsure about dates, you can ask PSA Finance for a copy of your agreement or check old emails and bank records for details.

Can I Make a PSA Finance Claim Without a Lawyer?

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Yes, you can make the claim yourself for free. You do not need to pay a lawyer or use a claims company unless you want to. Many people in the UK are choosing to handle the process themselves using complaint templates and help from the Financial Ombudsman. If you do choose a claims company, make sure you check their fees first. Some will charge up to 30% of your refund, which is a lot. There are also free legal advice groups that can help if you feel unsure. But the main thing to remember is: you don’t need to pay to get your money back if the deal was unfair.

Other Finance Companies Also Under Review

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PSA Finance is not the only company being looked at. Many UK drivers have also made claims against other finance providers. These include:

Finance Company	Brands Covered	Claim Reason	Years Affected	Known Complaints (2025)
PSA Finance	Peugeot, Citroën, DS, Vauxhall	Undisclosed dealer commissions, mis-selling	2007–2021	Rising – complaints being reviewed by Ombudsman
Barclays Partner Finance	Multiple car dealerships	Hidden commission, inflated interest rates	2008–2020	Thousands of claims reviewed, FCA involved
Black Horse (Lloyds Bank)	Ford, Jaguar, Land Rover, etc.	Unclear contract terms, commission payments	2010–2021	High complaint volumes, major focus in 2024–2025
Santander Consumer Finance	SEAT, Skoda, VW, others	Dealer-led commission schemes	2009–2021	Multiple Ombudsman rulings in customer favour
BMW Financial Services	BMW, MINI	Commission-linked rate setting	2010–2021	Under ongoing investigation by FCA
MotoNovo Finance	Independent dealers	High-risk lending, mis-selling practices	2010–2021	Frequent complaints for unfair selling practices

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Conclusion: Take Action Now If You Had PSA Car Finance

Imagine this: you bought your car years ago, thinking you got a decent finance deal. You trusted the dealer, signed the papers, and made every payment on time. Now, it’s 2025, and you're hearing that thousands of drivers across the UK have claimed back money—because they were never told about secret commissions hidden in their car finance agreements. You start to wonder: was I one of them?

The truth is, many people who used PSA Finance between 2007 and 2021 are now finding out they paid more than they should have. If your dealer earned a commission from PSA Finance without telling you, that could mean your loan was unfair—and you may be owed compensation. Making a psa finance claim is not complicated. You don’t need legal training or a paid adviser. The Financial Ombudsman is helping everyday people get justice, often resulting in refunds worth hundreds or even thousands of pounds. But there’s a deadline, and your window to act won’t stay open forever. So today, don’t just wonder—check your documents, ask the right questions, and take that first step. Your old car finance deal could still pay you back in 2025.

Frequently Asked Questions (FAQs)

Q1: What is a PSA Finance claim?

A PSA Finance claim is when you ask for money back because your car finance deal may have been unfair. This often happens when the dealer earned a commission that you were not told about, which made the loan more expensive.

Q2: How do I know if I was mis-sold car finance?

If you were not told about the dealer’s commission, or the deal felt unclear or too expensive, you might have been mis-sold. Look at your agreement or contact PSA Finance to ask for full details.

Q3: Can I still make a PSA Finance claim if my loan is paid off?

Yes. Even if your finance deal is finished or you sold the car, you can still claim. What matters is whether the deal was unfair when it started.

Q4: How much money could I get from a PSA Finance claim?

Some people have received refunds between £500 and £5,000. The amount depends on your loan, how much you paid, and how much extra was added due to commission.

Q5: Will making a claim affect my credit score?

No, making a PSA Finance claim will not affect your credit score. It’s just a complaint, not a loan application.

Q6: How long does it take to get a refund?

It can take between 8 to 16 weeks if PSA Finance agrees with your complaint. If it goes to the Ombudsman, it may take longer—sometimes up to a few months.

Q7: Is it free to make a PSA Finance claim?

Yes, you can make a claim yourself for free. The Financial Ombudsman Service also helps for free if you’re not happy with the reply from PSA Finance.

Q8: Do I need a lawyer or claim company?

No, you don’t have to use one. But if you prefer help, make sure the company is honest and check how much they charge.

Q9: What documents do I need to start my PSA Finance claim?

You’ll need your finance agreement, payment history, and any letters or emails from the dealer or finance company. These will help show if there was a problem.