Blue Motor Finance Car Finance Claims
Check your car finance claim eligibility in as little as 60 seconds. On average we find 2 car finance agreements per client, giving a potential claim value of £1658**
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Average of £829** per agreement
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You can claim without using a claims management company, to your finance provider and then to Financial Ombudsman Service (FOS), for free. The FCA has introduced a free consumer redress scheme.
**The FCA currently estimates that most individuals will potentially receive an average of £829 in compensation per agreement. We find on average 2 car finance agreements per client, giving a potential claim value of £1,658. See: https://www.fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
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Could your Blue Motor Finance have been mis-sold?
Some agreements included commission setups that weren't always made clear at the time. If you had a PCP or HP agreement between April 2007 and November 2024, you may have been affected by one of the following:
Discretionary Commission Arrangements (DCAs)
The interest rate could be increased, and that increase could boost dealer commissions.
Unfairly High Commission Charges
The commission paid may have been disproportionate to the finance agreement.
Contractually Tied Arrangements
The broker may have been tied to one lender, rather than comparing options fairly.
Blue Motor Finance Car Finance Claims: Mis-Sold PCP & HP Compensation
Reviewed by Mis-sold Expert | Last reviewed: 08/07/2026
Blue Motor Finance specialises in near-prime and non-standard car finance, serving customers who may not qualify for mainstream lending due to credit history or circumstances. Blue Motor Finance has faced increased regulatory attention as part of the wider industry review, given the particular importance of affordability checks in this customer segment.
Is Blue Motor Finance under review for mis-sold car finance?
Yes. Blue Motor Finance sits within the FCA's broader review, with particular focus on lenders serving near-prime and non-standard credit customers, where the regulatory bar for affordability assessment is especially important given the customers' typically higher financial vulnerability.
Signs your Blue Motor Finance agreement may have been mis-sold
- Your repayments took up a significant proportion of your income relative to your outgoings
- You weren't asked detailed questions about your existing debts before approval
- You felt Blue Motor Finance was presented as your only realistic option
- The full cost of the agreement, including any additional fees, wasn't clearly explained
- You struggled with repayments from early in the agreement, suggesting the affordability check may not have reflected your true financial position
How much compensation could I get from a Blue Motor Finance claim?
Where an agreement is found to have been arranged without a proper affordability assessment, redress can include a refund of interest and charges, and potentially the correction of related adverse credit file entries. The specific outcome depends on the facts of your individual case.
See our coverage of Blue Motor Finance under pressure for the latest developments specific to this lender.
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FAQs about Blue Motor Finance Claims
The answers you need about the claims process, fees, and more.
It means Blue Motor Finance serves customers who may not qualify for the most competitive mainstream rates, which places extra emphasis on whether the agreement was genuinely affordable given the customer's financial situation at the time.
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