Released 11 October 2026. Back to the changelog. UCP patch notes.
Changes
New: Financing a car is now a proper deal screen at the dealership. Slide your deposit, pick weekly or monthly repayments and a term, and see your APR, payment, total interest and total cost straight away, with a chart of the whole schedule. Your rate comes from your credit score, the nearest Fleeca branch, the term and how much you put down. An affordability check compares the payment with your income over the last 30 days and your savings.
New: You read and sign a finance agreement before paying the deposit by cash, card or bank. Your copy is emailed to you and stays viewable in your bank. Repayments are collected automatically from the bank account you choose, with a text two days before each one and a warning if the account is short.
New: My finance is a new Vehicle finance tab in your bank (also opened with /loans). See every agreement with a progress bar, the next payment, your statement and the remaining schedule. Overpay any amount and see the interest you save, settle early with an exact settlement figure, refinance at today's rate once you have made three payments, change the paying account, or reopen the signed agreement.
Balance: Missed payments now go into arrears with a late fee ($25 or 5% of the payment) and a credit score hit, and Fleeca retries the collection every six hours. After 7 days in arrears you get a default notice by text and email. After 14 days the car is put on the recovery board. Pay the arrears at any point and everything stops.
New: Recovery jobs for mechanics and on duty staff: open the recovery board at the Fleeca recovery yard in Sandy Shores or with /repojobs, claim a job and follow the GPS to the car. You can unlock and drive it or tow it. Park it in the yard to earn the recovery fee. Cars left in a garage are seized straight from storage, and cars nobody recovers within 48 hours are seized remotely.
Balance: A repossessed car can be reinstated from My finance by paying the arrears, fees, recovery fee and storage, or settled in full. After 7 days it is sold at auction, any surplus is paid back to you and the rest is written off. Financed cars can no longer be sold, listed or traded until the agreement is settled.
New: Car hire desks are now Northern Car Hire agencies with a 23-vehicle fleet shown as pictures: economy cars, saloons, SUVs, pickups, vans, premium saloons, bikes and box trucks for compani