Unfair motor finance commissions

Motor finance commission redress scheme - customer information

The Financial Conduct Authority (FCA) published the final rules for the motor finance redress scheme on 30 March 2026. The scheme applies only to certain Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements taken out between 6 April 2007 and 1 November 2024, where specific commission arrangements were not properly disclosed.

Following a detailed review of our historical lending, we have identified a very small number of agreements that may lead to redress under the FCA scheme. 

First Response Finance has never operated discretionary commission arrangements (DCA) and has never had exclusive contractual ties with motor dealers that could create a conflict of interest. 

If you are due redress, we'll contact you directly and within the timeframes set by the FCA. Customers do not need to use a claims management company.

This page was last reviewed in March 2026.

First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.

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