---
title: "Used Car Finance (Can You Still Claim?)"
canonical: "https://carfinancerefundletter.co.uk/blog/used-car-finance-claims"
date: "2025-11-26T09:00:00.000Z"
---
# Used Car Finance (Can You Still Claim?)

_Published: November 26, 2025_ · _2 min read_

Used car finance agreements are highly likely to contain hidden commissions. Find out if you qualify to claim your refund today.

**Canonical:** [HTML article](https://carfinancerefundletter.co.uk/blog/used-car-finance-claims)

---

There is a misconception that DCA claims only apply to shiny new cars bought from main dealerships. In reality, the used car market was the "Wild West" of discretionary commissions.

## Why Used Cars Are High Risk
Independent used car dealers often relied heavily on finance commissions to boost their margins on lower-value vehicles.
- **Higher Rates:** Used car finance typically carries higher APRs (10-20%) compared to new car finance (3-7%).
- **More Discretion:** With higher rates, there was more "wiggle room" for dealers to add markup.

## Sub-Prime Lenders
Many used car buyers were directed towards "sub-prime" lenders if they had imperfect credit. These lenders often paid the highest commissions to brokers to secure the business, meaning vulnerable customers were hit the hardest.

## Can I Claim?
Yes. The rules are exactly the same.
- PCP or HP agreement?
- Before Jan 2021?
- Dealer arranged?

If yes, you can claim, regardless of whether the car was a £5,000 Ford Focus or a £50,000 Range Rover.