See how much interest you may have overpaid
If you financed a car before 2021, you could be owed money back due to mis-sold car finance. Use this free tool to estimate how much you may be entitled to based on your car value, deposit, interest rate and agreement year. It only takes a few seconds
Mis-Sold Car Finance Calculator
Check how much you could be owed with our free tool
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Is this calculator accurate?
It gives you a useful ballpark figure based on how much interest you may have overpaid—but it's not exact. Every case is different, and full compensation can vary depending on your lender, interest rate, and finance terms.
What’s included in the estimate?
The estimate is based on how much interest you may have overpaid compared to a fair APR benchmark of 6%. It includes an average adjustment used in successful claim calculations and gives you a realistic indication of potential redress.
Does this apply to all types of car finance?
This tool is best suited for Hire Purchase (HP) agreements. PCP calculations can differ due to factors like balloon payments and mileage caps. If you had a PCP agreement, we still recommend checking your eligibility.
Can I still claim if I’ve finished paying off my finance?
Yes. If your agreement was mis-sold, it doesn’t matter whether you've finished paying or still own the car. You may still be able to claim as long as your finance started between 2007 and 2021.
