Toyota Finance Claim
Mis-sold Toyota car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our Toyota refund checker.
400,000+ Customers helped.
Car finance agreements found in seconds.
100% No Win No Fee1.
Why Drivers Are Filing Toyota Car Finance Claims
Thousands of drivers have filed Toyota Finance complaints, with FCA investigations uncovering hidden commissions, inflated interest rates, and unfair charges in car finance agreements. If you were mis-sold car finance by Toyota, you could be owed a Toyota finance compensation. Check your eligibility today with our secure online Toyota claims tool and reclaim the Toyota refund you deserve.
You’ve got the green light!
If you have a Toyota mis-sold car finance agreement, now is the time to act. Unfair charges, hidden fees, and inflated interest rates may have led you to overpay without realising. Filing your Toyota car finance claim is quick and stress-free—no complicated forms, no legal hassle. Just a simple process to help you secure the Toyota finance refund you deserve and get your money back where it belongs: in your pocket.
We find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
We take the wheel
Once you provide your basic details, our system get’s to work. Within seconds we’ll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
The real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a no-win, no-fee basis, meanwhile, you don’t have to lift a finger.
What Happens When I Start a Toyota PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to a Toyota Finance. If potentially eligible agreements are found and you choose to proceed, here’s the updated process timeline:
1
Letter to lender
Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.
2
Reply expected
The lender should reply or at least acknowledge your complaint.
3
Delayed reply possible
Delayed reply possible
The FCA has paused firms from issuing final responses until 4 December 2025.
4
FCA consultation
The regulator will launch a formal consultation in October 2025,, in what could be an industry-wide redress scheme, exploring how compensation will be structured, including whether it should be opt-in or opt-out.
good to know
No Win No Fee Promise
1Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% including VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
About Your Choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service, or via the FCA redress scheme due for free. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
The FCA is likely to introduce a redress scheme in October 2025 to deal with complaints around hidden commissions in car finance agreements. You can find more information and official updates from the FCA at the following link:
FCA Motor Finance Review - Latest UpdateMis-Sold PCP Car Finance Claims
If you have an Toyota Finance agreement potentially mis-sold or by another finance provider, our PCP experts are here to help you reclaim what’s rightfully yours. Start your claim today with Reclaim247.
Finance sold by
Black Horse
If you’ve had car finance with Black Horse you could have a claim worth:
Finance sold by
Close Brothers
If you’ve had car finance with Close Brothers you could have a claim worth:
Finance sold by
Motonovo
If you’ve had car finance with Motonovo you could have a claim worth:
FAQs about Toyota Finance Claims
The FCA is investigating Toyota Finance over concerns of mis-sold car finance, hidden commissions, and unfair interest rates. Many drivers unknowingly overpaid due to discretionary commission arrangements (DCAs), where dealers increased interest rates to earn extra commission. As more customers become aware, Toyota finance complaints and compensation claims are rising. If you think your Toyota finance PCP claim was unfair, you may be eligible for a Toyota finance refund.
Yes, you may be eligible for a Toyota finance refund if your agreement included undisclosed commissions, inflated interest rates, or unfair fees that were not clearly explained. These issues are at the centre of many Toyota car finance claims, particularly those involving PCP agreements. Most complaint responses are currently paused due to the Financial Conduct Authority’s (FCA) investigation. You can still begin your Toyota finance PCP claim now to check your eligibility and reserve your place in the review queue.
If you believe your Toyota Finance agreement was mis-sold, you have three main options to make a claim:
- Submit a complaint directly to Toyota Financial Services. You can raise concerns such as hidden commissions, inflated interest rates, or unclear contract terms. If the complaint is not resolved fairly, you can escalate it to the Financial Ombudsman Service (FOS) for a free, independent review.
- Use a claims management company (CMC): A regulated CMC can handle the process on your behalf, including reviewing your Toyota agreement, collecting evidence, and preparing your case for submission once complaint handling resumes.
- Consult a solicitor: For complex or high-value cases, a solicitor can provide legal support. This option may involve additional costs but is suitable for claims involving legal disputes or significant financial loss.
Due to the FCA's pause on complaint responses, Toyota Finance is not required to respond until after 4th December 2025. However, you can still file your claim now to secure your place in the queue.
Filing a Toyota finance claim is simple and risk-free with our No Win, No Fee service. We handle everything for you, from checking your eligibility and gathering evidence to submitting your Toyota finance claim form and escalating it to the Financial Ombudsman Service (FOS) if necessary.
The FCA is investigating Toyota Finance over concerns of mis-sold car finance, hidden commissions, and unfair interest rates. Many drivers unknowingly overpaid due to discretionary commission arrangements (DCAs), where dealers increased interest rates to earn extra commission. As more customers become aware, Toyota finance complaints and compensation claims are rising. If you think your Toyota finance PCP claim was unfair, you may be eligible for a Toyota finance refund.
Yes, you may be eligible for a Toyota finance refund if your agreement included undisclosed commissions, inflated interest rates, or unfair fees that were not clearly explained. These issues are at the centre of many Toyota car finance claims, particularly those involving PCP agreements. Most complaint responses are currently paused due to the Financial Conduct Authority’s (FCA) investigation. You can still begin your Toyota finance PCP claim now to check your eligibility and reserve your place in the review queue.
If you believe your Toyota Finance agreement was mis-sold, you have three main options to make a claim:
- Submit a complaint directly to Toyota Financial Services. You can raise concerns such as hidden commissions, inflated interest rates, or unclear contract terms. If the complaint is not resolved fairly, you can escalate it to the Financial Ombudsman Service (FOS) for a free, independent review.
- Use a claims management company (CMC): A regulated CMC can handle the process on your behalf, including reviewing your Toyota agreement, collecting evidence, and preparing your case for submission once complaint handling resumes.
- Consult a solicitor: For complex or high-value cases, a solicitor can provide legal support. This option may involve additional costs but is suitable for claims involving legal disputes or significant financial loss.
Due to the FCA's pause on complaint responses, Toyota Finance is not required to respond until after 4th December 2025. However, you can still file your claim now to secure your place in the queue.
Filing a Toyota finance claim is simple and risk-free with our No Win, No Fee service. We handle everything for you, from checking your eligibility and gathering evidence to submitting your Toyota finance claim form and escalating it to the Financial Ombudsman Service (FOS) if necessary.