Car Finance
Hidden Commission Explained
The FCA banned Discretionary Commission Arrangements in January 2021. If you bought a car before then, you might be a victim.
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Zero Financial Risk
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Helping Drivers Nationwide
Helping Drivers Nationwide
Discretionary Commission Arrangements (DCA)
A Discretionary Commission Arrangement allowed the person selling your car finance (the dealer or broker) to choose the interest rate you paid. They were incentivised to put you on the highest possible rate because it directly increased their paycheck.
Why it's Unfair
You were led to believe you were getting the best available rate. In reality, you were being overcharged to line the pockets of the dealership, often costing consumers thousands over the life of the agreement.
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