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Bentley Bentayga Motor Finance — Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Bentley Bentayga, an iconic luxury SUV known for its opulent features and powerful performance, was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. The Financial Conduct Authority (FCA) conducted an extensive review of motor finance practices and found widespread issues with discretionary commission arrangements, affecting a significant number of consumers. ## How the Bentley Bentayga was Typically Financed During its period on sale, the Bentley Bentayga was often financed through PCP agreements that ranged from £15,000 to £30,000 over terms typically lasting 36 to 48 months. Common finance lenders for the Bentayga included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. PCP agreements often included a balloon payment at the end of the term, which could significantly affect the total cost if not managed correctly. HP agreements were also common but less flexible compared to PCP. These typically required full repayment within 48 months or more, with no option for an early return or exchange of the vehicle. ## The FCA Motor Finance Investigation The FCA investigation revealed that many car finance agreements, including those for luxury vehicles like the Bentley Bentayga, were affected by discretionary commission arrangements between lenders and motor dealers. These practices often resulted in inflated costs for consumers without their knowledge. According to the FCA, 12.1 million eligible agreements (FCA, March 2026) across various vehicle types, including high-end models such as the Bentayga, were impacted by this issue. The total amount involved in these mis-selling cases was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026). This investigation highlighted significant issues within the motor finance industry that affected millions of consumers who financed their vehicles during the specified period. ## How to Check Your Agreement Look for any mention of terms such as "discretionary commissions" or "DCA." The relevant dates are from 6 April 2007 to 1 November 2024, during which the FCA investigation was active. If you find references to these arrangements in your finance agreement, it is likely that you have been affected. You can then proceed with a complaint directly to your lender for free without needing the assistance of a claims management company. ## How to Complain Directly to Your Lender for Free To initiate a complaint about any suspected mis-selling issues related to your Bentley Bentayga finance agreement, contact the common lenders who typically provided financing for this model: Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Each lender has its own process for handling complaints. You do not need a claims management company to make a complaint; you can handle it directly with your lender at no cost. Simply gather all relevant documents such as your finance agreement, payment receipts, and any correspondence related to the issue. Then follow the official complaint procedures provided by your lender. ## Sources and References - Financial Conduct Authority (FCA). "FCA investigation into motor finance discretionary commission arrangements." FCA, 2024. - Office for National Statistics (ONS) Census 2021.

Bentley Bentayga MOT Pass Rate

Based on 2,348 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Bentley Bentayga has a pass rate of 96.2%. This is above the national average of 79.6%, meaning the Bentayga performs well in MOT testing.

The Bentayga pass rate is better than the overall Bentley average of 92.8%. The average mileage at MOT for this model is 36,056 miles.

MOT pass rate: 96.2%
MOT failure rate: 3.8%
Tests analysed: 2,348 (2024 DVSA data)
Average mileage at test: 36,056 miles
Bentley average pass rate: 92.8%
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

What are some common issues related to motor finance for Bentley Bentayga cars?

Common issues include mis-selling practices such as unsuitable loan terms or inadequate explanations of the financing options available (FCA estimate).

How can I address concerns about unfair treatment in my Bentley Bentayga finance agreement?

You should first contact your lender to discuss any issues you have with your finance agreement. You do not need a claims management company; the process of making a complaint is often free and straightforward.

What are the estimated numbers of Bentley Bentayga cars sold under potentially unfair financing agreements?

An estimated 12.1 million eligible agreements (FCA, March 2026) might have been made under questionable terms (FCA estimate), affecting various car models including the Bentley Bentayga.

Where can I find more information on mis-sold motor finance for a Bentley Bentayga?

For detailed guidance, visit the Financial Conduct Authority’s website or seek professional advice from an independent financial advisor. Remember to check if your specific case qualifies based on the time frame of 6 April 2007 to 1 November 2024.

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.