Mercedes-Benz 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 Mercedes-Benz 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.
Mercedes-Benz Car Finance Claims: Mis-Sold PCP & HP Compensation
Reviewed by Mis-sold Expert | Last reviewed: 11/07/2026
Mercedes-Benz Financial Services is Mercedes' captive finance provider in the UK, arranging finance for Mercedes-Benz vehicles through the manufacturer's dealership network. Because Mercedes vehicles typically sit at the premium end of the market, agreement values and the potential impact of an undisclosed commission arrangement tend to be higher than average.
Is Mercedes-Benz under review for mis-sold car finance?
Yes. Mercedes-Benz Financial Services falls within the FCA's industry-wide review of manufacturer-captive finance, alongside equivalent arms operated by Audi, BMW, and other premium and mainstream brands. The core question is whether dealer commission for arranging Mercedes finance was disclosed, and whether it influenced the rate you were offered.
Worth knowing if you're following this closely: the FCA's proposed redress scheme has faced legal challenges since it was first announced, including a partial suspension by the Upper Tribunal. See our coverage of the Upper Tribunal ruling for what that means for the timeline, and our full guide on Mercedes-Benz motor finance mis-selling claims for a deeper look at how the investigation reached this point.
Signs your Mercedes-Benz agreement may have been mis-sold
- The dealer didn't mention receiving a commission for arranging your Mercedes-Benz finance
- You weren't offered finance quotes from outside Mercedes-Benz Financial Services for comparison
- The balloon payment structure on a PCP agreement wasn't fully explained
- Given the size of a typical Mercedes finance agreement, even a small undisclosed rate increase could represent a meaningful sum over the term
- You felt the finance conversation was rushed relative to the time spent choosing the vehicle itself
How much compensation could I get from a Mercedes-Benz claim?
Redress typically covers a refund of overpaid interest resulting from an undisclosed commission arrangement, plus statutory interest. Given that Mercedes-Benz agreements often involve higher vehicle values than the market average, the amount at stake, and therefore the potential compensation, can be larger than for a mainstream mass-market brand, though every case depends on its own agreement terms.
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FAQs about Mercedes-Benz Finance claims
The answers you need about the claims process, fees, and more.
Mercedes-Benz Financial Services is the manufacturer's own captive finance arm, distinct from any independent finance a dealership might separately broker. Your agreement paperwork will show Mercedes-Benz Financial Services as the named provider if this applies to you.
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