Infiniti cars, known for their premium Japanese design and engineering, were frequently 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 mis-selling investigation from 6 April 2007 to 1 November 2024. This investigation uncovered widespread issues within the UK’s car finance market, affecting millions of consumers who financed their vehicles through various lenders.
How Infiniti Cars Were Financed
Infiniti cars were often sold with financing options provided by a range of well-known lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These finance agreements typically came in two main forms: Personal Contract Purchase (PCP) and Hire Purchase (HP). PCP allowed customers to pay for the car over an agreed period, with a final option to buy, return, or replace it at the end of the contract. HP involved paying off the full cost of the vehicle plus interest before ownership was transferred.
The FCA Motor Finance Investigation
The FCA’s investigation into motor finance mis-selling revealed significant issues related to
discretionary commission arrangements between lenders and car dealerships. These practices led to consumers often being charged excessive fees or being sold unsuitable products, causing financial harm. According to the FCA's findings, 12.1 million eligible agreements (FCA, March 2026) across various makes of cars were affected by these mis-selling practices, with a total cost to consumers estimated at £7.5 billion (FCA estimate). The average consumer suffered losses of around £829 (FCA estimate).
How to Check Your Agreement Key dates to look out for are between 6 April 2007 and 1 November 2024, during which time many agreements were potentially mis-sold due to unfair discretionary commission practices. If your agreement was made within this period and involved one of the lenders mentioned above, there is a possibility that the FCA scheme covers eligible agreements.
If you believe your Infiniti finance agreement falls under the FCA’s investigation criteria, it is important to know how to proceed. You can complain directly to your lender without needing a
claims management company. The common lenders associated with Infiniti financing include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When making a complaint, ensure you provide detailed documentation supporting your case. This includes your original finance agreement, any relevant communication between you and the lender, and evidence of the dates when your agreement was made. Lenders are legally obligated to review complaints thoroughly and offer fair redress if your claim is valid.
You do not need a claims management company to handle your complaint; direct contact with your lender is both free and often more straightforward. This approach can save you additional costs that might arise from using third-party services.
Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics 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 9,570 MOT tests in 2024, Infiniti vehicles have an overall pass rate of 85.5%. This is above the national average of 79.6%. DVSA data covers 13 Infiniti models with sufficient test volume.
- Overall pass rate: 85.5%
- Total MOT tests (2024): 9,570
- Models with data: 13
- National average: 79.6%
Best Infiniti models for MOT pass rate
- Infiniti Q30: 86.4% pass rate (4,724 tests)
- Infiniti Q50: 83.7% pass rate (2,276 tests)
Infiniti MOT Reliability Trend (2022-2024)
Infiniti MOT pass rates have declined slightly, from 88.2% in 2022 to 85.5% in 2024 (-2.7 percentage points).
- 2022: 88.2% pass rate (11,222 tests)
- 2023: 86.5% pass rate (11,206 tests)
- 2024: 85.5% pass rate (9,570 tests)
Based on 31,998 MOT tests across three years (DVSA open data).
Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.