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Infiniti QX30 Motor Finance — Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Infiniti QX30 was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority’s (FCA) investigation period from 6 April 2007 to 1 November 2024. During this time, many consumers who financed their Infiniti QX30 through various lenders may have been affected by motor finance mis-selling practices. The FCA estimates that 12.1 million eligible agreements (FCA, March 2026) potentially impacted (FCA estimate), with a total value of £7.5 billion (FCA, March 2026) and an average compensation amount of £829 per agreement (FCA estimate). ## How the Infiniti QX30 was Typically Financed The Infiniti QX30, a compact luxury crossover SUV, was typically financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements. Common financing amounts ranged from £15,000 to £30,000 for the vehicle, with typical PCP terms spanning 36 to 48 months. Balloon payments were often a feature of PCP deals, allowing customers to pay lower monthly instalments but requiring a significant lump sum at the end of the term to own the car outright. Several lenders commonly provided finance options for Infiniti QX30 purchases during this period, including Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders facilitated the financing process through various financial arrangements that may have included discretionary commission payments to dealerships. ## The FCA Motor Finance Investigation The FCA's investigation into motor finance mis-selling practices uncovered widespread issues with discretionary commission arrangements between lenders and car dealerships. Discretionary commissions were payments made by lenders to dealers for each vehicle sold on a PCP or HP agreement, which could incentivise salespeople to push customers towards more expensive financing options. The investigation found that many consumers were not adequately informed about the true costs of their finance agreements, leading to overpayment and financial hardship. The FCA's estimates indicate that 12.1 million eligible agreements (FCA, March 2026) potentially affected by these practices (FCA estimate), involving a total value of £7.5 billion (FCA, March 2026) in compensation claims (FCA estimate) with an average claim worth £829 per agreement (FCA estimate). ## How to Check Your Agreement Look for specific terms related to discretionary commission arrangements or any mention of "DCA" (Discretionary Commission Arrangement). Key dates to consider are between 6 April 2007 and 1 November 2024, as these fall within the FCA's investigation period. If your agreement includes references to DCA or mentions that your finance deal was influenced by discretionary commissions paid by lenders to dealerships, the FCA-estimated scheme average is £829 per eligible agreement. It is important to carefully examine your contract details and contact your lender directly if you suspect any issues with your financing terms. ## How to Complain Directly to Your Lender for Free If you believe your Infiniti QX30 finance agreement was affected by motor finance mis-selling practices, you can complain directly to the relevant lenders without needing a claims management company. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have established procedures for handling complaints related to financial misconduct. You do not need a claims management company; instead, you can contact your lender directly through their customer service channels or by visiting their official website. Many lenders offer online complaint forms or provide dedicated phone numbers for resolving disputes. By initiating the process yourself, you can avoid additional fees and ensure that your case is handled efficiently without unnecessary intermediaries. ## Sources and References - Financial Conduct Authority (FCA) estimates on affected agreements: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total (FCA estimate), £829 average per eligible agreement compensation per agreement (FCA estimate). - Common lenders for Infiniti QX30 financing: Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, Santander Consumer Finance. - Financial Conduct Authority investigation period: 6 April 2007 to 1 November 2024.

Infiniti Qx30 MOT Pass Rate

Based on 223 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Infiniti Qx30 has a pass rate of 89.2%. This is above the national average of 79.6%, meaning the Qx30 performs well in MOT testing.

The Qx30 pass rate is better than the overall Infiniti average of 85.5%. The average mileage at MOT for this model is 53,621 miles.

MOT pass rate: 89.2%
MOT failure rate: 10.8%
Tests analysed: 223 (2024 DVSA data)
Average mileage at test: 53,621 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.

Frequently Asked Questions

How can I verify if my Infiniti QX30 motor finance agreement was mis-sold?

To determine if your Infiniti QX30 car's motor finance agreement was mis-sold, review the terms of the contract closely. Mis-selling can include issues such as incorrect calculations on affordability, inappropriate payment methods, or failure to inform you about alternatives that could have been more suitable. You can complain directly to your lender for free if you suspect mis-selling.

What are some common signs of Infiniti QX30 motor finance mis-selling?

Signs of potential mis-selling in an Infiniti QX30 motor finance agreement include being pushed towards a more expensive loan when cheaper options were available, not receiving full and clear information about the terms of the agreement, or being sold too much insurance coverage. You do not need to use a claims management company for this.

How many people might have been affected by Infiniti QX30 motor finance mis-selling from 6 April 2007 to 1 November 2024?

Based on the FCA's estimate of 12.1 million eligible agreements (FCA, March 2026) during this period, a significant number of people could have been affected by motor finance mis-selling issues with their Infiniti QX30 or other vehicles. The actual number for Infiniti QX30 specifically would be lower but is still likely to involve many consumers.

What average amount might a consumer reclaim if they were mis-sold an Infiniti QX30 motor finance agreement?

If you were mis-sold your Infiniti QX30 motor finance agreement, the FCA estimates that the average compensation could be around £829 (FCA estimate) per person. However, this amount can vary depending on the specifics of each case.

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