The Infiniti Q60 is a premium sports sedan that has been popular with consumers seeking style, performance, and luxury. During the period from 6 April 2007 to 1 November 2024, many Infiniti Q60 vehicles were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements. The Financial Conduct Authority (FCA) has been investigating these financing arrangements, uncovering issues related to
discretionary commission payments that may have affected millions of consumers.
How the Infiniti Q60 was Typically Financed
The Infiniti Q60 is often financed through Personal Contract Purchase (PCP) agreements. Common finance amounts for this model range from £15,000 to £30,000 over terms typically lasting 36 to 48 months. The PCP structure includes balloon payments at the end of the agreement that cover a significant portion of the vehicle's residual value.
Some of the common lenders providing finance for Infiniti Q60 vehicles include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. Each lender may have specific terms and conditions attached to their financing packages, but generally, these agreements are designed to allow buyers to tailor payments to fit their budgets.
The FCA Motor Finance Investigation
The FCA investigation into motor finance has revealed that many car dealerships and lenders were involved in discretionary commission arrangements during the period from 6 April 2007 to 1 November 2024. These arrangements allowed dealers to receive additional payments for recommending certain finance products, which may not have been in consumers' best interests.
The FCA estimates that 12.1 million eligible agreements (FCA, March 2026) by these practices (FCA estimate), resulting in a total of £7.5 billion (FCA, March 2026) being involved (FCA estimate). On average, each affected consumer could be entitled to around £829 (FCA estimate) as compensation for the mis-selling of their finance agreement.
- Relevant Dates: If your PCP or HP agreement started between 6 April 2007 and 1 November 2024, it falls within the FCA's investigation period.
- Discretionary Commission Arrangements (DCA): This term indicates that your finance provider may have been involved in a discretionary commission arrangement with the car dealer.
Your agreement should detail whether any additional payments were made to the dealership or salesperson beyond what was stipulated by the lender. These extra commissions could mean that you paid more than necessary for your Infiniti Q60's financing.
If you believe that your finance agreement for an Infiniti Q60 may have been affected by mis-selling practices, you can complain directly to the lender who provided the finance. Common lenders include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting these lenders, provide them with your agreement details and explain why you believe your agreement may have been affected by discretionary commission arrangements. You do not need a
claims management company to handle this complaint; the process is straightforward and free of charge.
You can complain directly to your lender for free without needing any external assistance or representation (FCA estimate).
Sources and References
- Financial Conduct Authority (2024)
- Office for National Statistics Census 2021
Based on 170 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Infiniti Q60 has a pass rate of 89.4%. This is above the national average of 79.6%, meaning the Q60 performs well in MOT testing.
The Q60 pass rate is better than the overall Infiniti average of 85.5%. The average mileage at MOT for this model is 43,175 miles.
- MOT pass rate: 89.4%
- MOT failure rate: 10.6%
- Tests analysed: 170 (2024 DVSA data)
- Average mileage at test: 43,175 miles
- Infiniti average pass rate: 85.5%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.