Home › Vehicles › Cars › Aston Martin › Aston Martin › Aston Martin DB11 Motor Finance — Owner Information | MLJ.org.uk

Aston Martin DB11 Motor Finance — Owner Information | MLJ.org.uk

Last updated: 27 February 2026

Was your Aston Martin DB11 financed through a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement during the period from 6 April 2007 to 1 November 2024? If so, you might be affected by the Financial Conduct Authority's (FCA) motor finance investigation. The Aston Martin DB11 was commonly sold on PCP and HP finance agreements during this timeframe. These financing options allowed customers to make monthly payments for a specified period, often with an option to purchase or return the vehicle at the end of the contract. Given its high-end status, typical finance amounts ranged from £15,000 to £30,000 (FCA estimate), and most contracts were structured over 36 to 48 months. ### How the Aston Martin DB11 was Typically Financed The Aston Martin DB11 was often financed through well-known lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These finance agreements were typically structured around Personal Contract Purchase (PCP) or Hire Purchase (HP), with monthly payments spanning 36 to 48 months. Under PCP financing for the DB11, borrowers would make regular monthly payments while also setting aside a "balloon payment" at the end of the term. This final payment could be used towards purchasing the car outright, trading it in for a newer model, or returning it to the finance company. Balloons were common under PCP agreements and played a significant role in determining the overall cost of financing. ### The FCA Motor Finance Investigation The FCA's investigation into motor finance mis-selling uncovered widespread issues with discretionary commission arrangements between car dealerships and finance providers (FCA estimate). 12.1 million eligible agreements (FCA, March 2026), totaling £7.5 billion (FCA, March 2026) in losses to consumers (FCA estimate) (FCA, March 2026). This investigation revealed that many PCP and HP deals for vehicles like the Aston Martin DB11 included hidden costs or overly complex terms that made it difficult for borrowers to understand their obligations fully. Discretionary commissions were paid to dealers based on the type of finance arrangement chosen by consumers, often encouraging them towards more expensive options. ### How to Check Your Agreement Look for references to "Discretionary Commission Arrangements" (DCA) or similar phrases that indicate a commission structure beneficial to dealers but not transparently explained to you as the borrower. If your finance start date falls within 6 April 2007 to 1 November 2024 and includes DCA, it's possible that you were mis-sold this agreement. Common lenders like Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance are known for offering such contracts during the affected period. ### How to Complain Directly to Your Lender for Free If you suspect your Aston Martin DB11 finance agreement was mis-sold due to hidden fees or complex terms, start by reviewing your contract documentation. Look for any discrepancies in costs and payment structures that were not clearly outlined at the time of purchase. Next, contact your lender directly. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have customer service departments ready to assist with complaints regarding historical finance agreements. Remember, you do not need a claims management company; you can complain directly to your lender for free (FCA estimate). Provide them with evidence from your contract and any correspondence related to the agreement. Lenders are required by law to respond within 8 weeks of receiving your complaint. ### Sources and References - Financial Conduct Authority (2024) - Office for National Statistics Census 2021

Aston Martin Db11 MOT Pass Rate

Based on 2,253 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Aston Martin Db11 has a pass rate of 95.7%. This is above the national average of 79.6%, meaning the Db11 performs well in MOT testing.

The Db11 pass rate is better than the overall Aston Martin average of 93.4%. The average mileage at MOT for this model is 18,476 miles.

MOT pass rate: 95.7%
MOT failure rate: 4.3%
Tests analysed: 2,253 (2024 DVSA data)
Average mileage at test: 18,476 miles
Aston Martin average pass rate: 93.4%
National average pass rate: 79.6%

Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.

Frequently Asked Questions

How common is motor finance mis-selling for an Aston Martin DB11?

Motor finance mis-selling has affected many car buyers in the UK since 2007, including those who purchased an Aston Martin DB11 through a loan or lease agreement. It's estimated that 12.1 million eligible agreements (FCA, March 2026) have been mis-sold (FCA estimate).

What are some signs of motor finance mis-selling for an Aston Martin DB11?

Signs of motor finance mis-selling include being pushed into a high-interest loan, not being offered less expensive alternatives like personal loans or overdrafts, and being pressured to buy add-ons that were not necessary. If you experienced any of these issues with your Aston Martin DB11 financing, it may have been mis-sold.

How can I seek redress if my Aston Martin DB11 finance was mis-sold?

If you suspect that your Aston Martin DB11's motor finance agreement was mis-sold, you should start by complaining directly to the lender for free. You do not need a claims management company.

What does the FCA scheme coverirmed as mis-sold?

If your Aston Martin DB11's motor finance agreement was mis-sold, you could be entitled to compensation. The average payout for successful claims in the UK since 2007 has been £829 (FCA estimate).

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.