Chevrolet cars were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. The FCA identified that millions of car finance agreements across various brands, including Chevrolet, were potentially mis-sold due to
discretionary commission arrangements between lenders and dealerships.
How Chevrolet Cars Were Financed
Chevrolet cars in the UK are often financed through a variety of lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These agreements typically involved either Personal Contract Purchase (PCP) or Hire Purchase (HP). PCP agreements allow customers to make lower monthly payments by deferring the final balloon payment until the end of the contract. HP plans, on the other hand, usually involve higher monthly payments but do not include a deferred balloon payment.
The FCA Motor Finance Investigation
The FCA conducted an extensive investigation into motor finance arrangements between 6 April 2007 and 1 November 2024, uncovering significant issues with discretionary commission practices. These commissions were paid to dealerships by lenders when customers entered into PCP or HP agreements. The investigation found that these commissions could lead to inappropriate sales practices, where finance terms may have been more expensive than necessary for the customer.
The FCA's findings revealed that 12.1 million eligible agreements (FCA estimate) were potentially affected during this period. These agreements collectively involved a total amount of £7.5 billion (FCA estimate), with an average mis-selling impact of around £829 per agreement (FCA estimate).
- Discretionary Commission Payments: If the lender paid commissions to the dealership based on the type of finance agreement chosen.
- Higher APR Rates: You might have been offered a higher Annual Percentage Rate (APR) than necessary for your financial circumstances.
- Unnecessary Add-Ons: You may have purchased additional products or services that were not required.
To determine if your Chevrolet car finance agreement fits these criteria, review the documentation you received at the time of purchase. If you notice any discrepancies or suspect mis-selling, it's advisable to contact your lender directly for a detailed assessment.
You do not need a
claims management company to resolve issues with your Chevrolet car finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated teams to handle customer complaints.
To initiate the complaint process, start by contacting your lender's customer service department or visiting their website for specific guidance on filing a formal complaint. Provide them with relevant documentation and any evidence of mis-selling practices. Lenders are required to respond within eight weeks, addressing any issues and providing compensation if appropriate.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Investigation Report." 2024.
- Office for National Statistics (ONS) Census 2021.
FCA Compensation: FCA Scheme Figures
The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.
Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.
Across 65,845 MOT tests in 2024, Chevrolet vehicles have an overall pass rate of 69.7%. This is below the national average of 79.6%. DVSA data covers 18 Chevrolet models with sufficient test volume.
- Overall pass rate: 69.7%
- Total MOT tests (2024): 65,845
- Models with data: 18
- National average: 79.6%
Best Chevrolet models for MOT pass rate
- Chevrolet Trax: 74.4% pass rate (1,638 tests)
- Chevrolet Cruze: 73.9% pass rate (4,729 tests)
- Chevrolet Orlando: 73.4% pass rate (4,337 tests)
- Chevrolet Spark: 71.2% pass rate (16,532 tests)
- Chevrolet Captiva: 67.2% pass rate (7,314 tests)
Chevrolet models with lowest MOT pass rate
- Chevrolet Captiva: 67.2% pass rate (7,314 tests)
- Chevrolet Aveo: 66.8% pass rate (10,231 tests)
- Chevrolet Matiz: 66.8% pass rate (12,824 tests)
- Chevrolet Lacetti: 65.9% pass rate (2,159 tests)
- Chevrolet Kalos: 64.8% pass rate (2,814 tests)
Chevrolet MOT Reliability Trend (2022-2024)
Chevrolet MOT pass rates have declined slightly, from 70.3% in 2022 to 69.7% in 2024 (-0.6 percentage points).
- 2022: 70.3% pass rate (90,725 tests)
- 2023: 70.1% pass rate (81,738 tests)
- 2024: 69.7% pass rate (65,845 tests)
Based on 238,308 MOT tests across three years (DVSA open data).
Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.