The Aston Martin Vantage was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period from 6 April 2007 to 1 November 2024. These luxury sports cars, renowned for their performance and style, often came with financing arrangements that may have been mis-sold due to
discretionary commission arrangements between lenders and dealers.
## How the Aston Martin Vantage was Typically Financed
The Aston Martin Vantage was typically financed through Personal Contract Purchase (PCP) agreements, which were tailored to fit the high-end nature of the vehicle. Common finance amounts ranged from £15,000 to £30,000, with typical terms spanning 36 to 48 months. These agreements often included a balloon payment at the end of the term, representing a significant portion of the car's residual value.
Common lenders providing finance for Aston Martin Vantage models during this period include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. Dealers would often recommend these lenders to customers, sometimes based on undisclosed commissions or incentives tied to specific loan products.
## The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into the discretionary commission arrangements between finance providers and dealerships, which led to widespread mis-selling of PCP agreements across various car brands, including Aston Martin. This investigation uncovered that 12.1 million eligible agreements (FCA, March 2026) by these practices during the period from April 2007 to November 2024 (FCA estimate). The total value of these agreements amounted to £7.5 billion (FCA, March 2026), with an average mis-sale amounting to £829 per customer (FCA estimate).
The FCA's findings revealed that many customers were sold finance products without fully understanding the terms and conditions, leading to unnecessary costs and financial stress.
## How to Check Your Agreement Look for specific details such as the date of your agreement (from 6 April 2007 to 1 November 2024) and whether it mentions "Discretionary Commission Arrangements" or "DCA." If your agreement falls within these parameters, there is a high likelihood that you may have been affected by mis-selling practices.
## How to
Complain Directly to Your Lender for Free
If you suspect that your Aston Martin Vantage finance agreement was mis-sold under the discretionary commission arrangements, you can complain directly to your lender without needing a
claims management company. Common lenders for Aston Martin models include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting your lender, provide detailed evidence of any discrepancies or issues in your finance agreement. You do not need a claims management company to handle this process; you can manage it yourself for free. Lenders are required by law to address complaints promptly and fairly.
## Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics Census, 2021
Based on 4,090 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Aston Martin Vantage has a pass rate of 94.6%. This is above the national average of 79.6%, meaning the Vantage performs well in MOT testing.
The Vantage pass rate is in line with the overall Aston Martin average of 93.4%. The average mileage at MOT for this model is 26,371 miles.
- MOT pass rate: 94.6%
- MOT failure rate: 5.4%
- Tests analysed: 4,090 (2024 DVSA data)
- Average mileage at test: 26,371 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.