---
title: "Car Finance vs PPI (Can You Claim Both?) 2026 Guide"
canonical: "https://carfinancerefundletter.co.uk/blog/car-finance-refund-vs-ppi"
date: "2025-11-27T09:00:00.000Z"
---
# Car Finance vs PPI (Can You Claim Both?) 2026 Guide

_Published: November 27, 2025_ · _1 min read_

Wondering if the car finance scandal is exactly like PPI? Find out if you qualify, how much you can claim, and get your free DIY complaint letter here.

**Canonical:** [HTML article](https://carfinancerefundletter.co.uk/blog/car-finance-refund-vs-ppi)

---

You've probably heard the headlines: "Car Finance is the new PPI." But is that accurate? Let's look at the similarities and the key differences.

## Similarities
- **Scale:** Like PPI, millions of agreements are affected. Almost anyone who bought a car on finance before 2021 could be involved.
- **Mis-selling:** Both scandals involve financial products sold in a way that prioritised the seller's profit over the customer's best interest.
- **Hidden Costs:** In both cases, customers were often unaware of the commissions being paid behind their backs.

## Differences
- **Complexity:** PPI was often an "add-on" product you didn't need. DCA is embedded into the interest rate of the loan itself, making it harder to spot without doing the math.
- **Regulation:** The regulatory framework for car finance is slightly different, and the FCA is taking a very structured approach to ensure lenders handle complaints correctly from the start.

## The Verdict
While the mechanics differ, the outcome is likely to be similar: billions of pounds returned to consumers. If you claimed for PPI, you know the drill. Don't let this opportunity pass you by.