Home › Vehicles › Cars › Audi › Audi › Audi Q4 e-tron Motor Finance — Owner Information | MLJ.org.uk

Audi Q4 e-tron Motor Finance — Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Audi Q4 e-tron was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the period covered by the Financial Conduct Authority's (FCA) motor finance investigation, which spanned from 6 April 2007 to 1 November 2024. The FCA found that certain discretionary commission arrangements in this period potentially led to mis-selling of car finance products like those used for purchasing or leasing the Audi Q4 e-tron. ## How the Audi Q4 e-tron Was Typically Financed Audi Q4 e-tron purchases were often financed through PCP agreements with terms ranging from 36 to 48 months. Typical finance amounts ranged between £15,000 and £30,000. Common lenders for Audi vehicles included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. In a typical PCP agreement, the car buyer makes regular monthly payments over an agreed term with a final balloon payment due at the end of the contract to buy or return the vehicle. This structure allows buyers to benefit from lower monthly payments by deferring part of the cost until later in the agreement. However, it also exposes them to potential risks if their financial situation changes during the term. ## The FCA Motor Finance Investigation The Financial Conduct Authority (FCA) launched an investigation into discretionary commission arrangements used by lenders for motor finance agreements during the period from 6 April 2007 to 1 November 2024. This investigation uncovered that some dealers were incentivised to sell more expensive and less suitable finance products to customers, often leading to overcharging and mis-selling. According to FCA estimates, 12.1 million eligible agreements (FCA, March 2026) across the UK were potentially affected by these practices during this period. The total amount of refunds paid to consumers as a result of this investigation was £7.5 billion (FCA, March 2026) (FCA, March 2026). ## How to Check Your Agreement Here are key points to look for in your finance contract: - Relevant Dates: Your agreement was likely impacted if it began during or before the specified period. - Discretionary Commission Arrangements (DCA): Check if any commissions were paid based on sales volume rather than service quality. - Lender and Dealer Incentives: Look for clauses that suggest dealers received additional payments for promoting certain finance products. If your agreement matches these criteria, the FCA-estimated scheme average is £829 per eligible agreement. a refund from the lender involved in your purchase. Common lenders associated with Audi include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. ## How to Complain Directly to Your Lender for Free You do not need a claims management company to initiate or handle a complaint about your motor finance agreement. You can complain directly to the lender involved in your purchase of the Audi Q4 e-tron. Common lenders include: - Black Horse - Barclays Partner Finance - Close Brothers Motor Finance - MotoNovo Finance - Santander Consumer Finance Each lender has a dedicated complaints process and will be able to provide guidance on how to proceed with your case. You can find contact information for each lender on their respective websites or through the Financial Ombudsman Service (FOS). ## Sources and References - FCA, 2024 - Financial Ombudsman Service (FOS)

Audi E-Tron MOT Pass Rate

Based on 3,106 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Audi E-Tron has a pass rate of 90.7%. This is above the national average of 79.6%, meaning the E-Tron performs well in MOT testing.

The E-Tron pass rate is better than the overall Audi average of 83.9%. The average mileage at MOT for this model is 39,423 miles.

MOT pass rate: 90.7%
MOT failure rate: 9.3%
Tests analysed: 3,106 (2024 DVSA data)
Average mileage at test: 39,423 miles
Audi average pass rate: 83.9%
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 mis-selling in Audi Q4 e-tron finance agreements?

Mis-selling in motor finance agreements, including those for the Audi Q4 e-tron, has been a significant issue according to figures from the Financial Conduct Authority (FCA). As of 2024, 12.1 million eligible agreements (FCA, March 2026) have been affected by mis-selling practices (FCA estimate).

What steps should I take if I suspect my Audi Q4 e-tron finance agreement was mis-sold?

If you believe your Audi Q4 e-tron finance agreement may have been mis-sold, the first step is to review your agreement carefully and gather any relevant documentation. You can then contact your lender directly for a free review of your case. Additionally, seeking advice from a professional such as a debt advisor or solicitor who specializes in motor finance mis-selling might be helpful.

How much compensation is typically awarded in cases of Audi Q4 e-tron finance agreement mis-selling?

In cases where mis-selling is confirmed, the average amount claimed back by consumers for each affected motor finance agreement, such as those for the Audi Q4 e-tron, has been around £829 (FCA estimate) as of 2024. This figure can vary based on individual circumstances.

Why is it important to complain directly to my lender about an incorrectly sold motor finance agreement?

Complaining directly to your lender for free regarding a mis-sold motor finance agreement, such as one for the Audi Q4 e-tron, can be crucial. This allows you to address any issues immediately and potentially resolve them without additional costs or third-party involvement. You do not need a claims management company to handle this process.

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.