The Jaguar F-Pace was 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 found that certain
discretionary commission arrangements within motor finance could result in unfair practices, affecting millions of consumers.
## How the Jaguar F-Pace was Typically Financed
During the period under review, the Jaguar F-Pace was typically financed through PCP and HP agreements with various financial institutions including
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These finance options were commonly offered for amounts ranging from £15,000 to £30,000 over terms of 36 to 48 months.
PCP agreements often included a balloon payment at the end of the term, which could be used as an option to purchase the vehicle or return it. This final lump sum was crucial in determining whether the agreement was financially beneficial for the consumer.
## The FCA Motor Finance Investigation
The FCA's investigation into motor finance found that discretionary commission arrangements were widespread and had a significant impact on consumers. These arrangements allowed lenders to pay brokers additional commissions based on their recommendations, which could incentivise them to push certain products regardless of whether they were in the best interest of the customer.
According to the FCA, 12.1 million eligible agreements (FCA, March 2026) across various makes and models, including the Jaguar F-Pace, were affected by these practices. The total value of these agreements amounted to £7.5 billion (FCA, March 2026) (FCA, March 2026).
## How to Check Your Agreement Look for signs that your broker received additional commissions based on specific recommendations or that there were significant fees and charges that could have been avoided.
Relevant dates to check include 6 April 2007 to 1 November 2024. If your agreement was made during this period, it is particularly important to scrutinise its terms carefully. be aware of the term "Discretionary
Commission Arrangement" (DCA) in your documentation.
## How to
Complain Directly to Your Lender for Free
If you suspect that your Jaguar F-Pace finance agreement was affected by unfair practices during the investigation period, you can complain directly to your lender at no cost. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated complaint handling processes.
By approaching your lender directly, you can avoid the need for a
claims management company. This ensures that you receive free advice and support without any upfront costs or complications. You can also seek assistance from the
Financial Ombudsman Service (
FOS) if your initial complaint is not resolved to your satisfaction.
## Sources and References
- FCA motor finance investigation report
- Financial Conduct Authority (2024)
- Office for National Statistics Census 2021
Based on 46,792 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Jaguar F-Pace has a pass rate of 88.3%. This is above the national average of 79.6%, meaning the F-Pace performs well in MOT testing.
The F-Pace pass rate is better than the overall Jaguar average of 84.1%. The average mileage at MOT for this model is 53,994 miles.
- MOT pass rate: 88.3%
- MOT failure rate: 11.7%
- Tests analysed: 46,792 (2024 DVSA data)
- Average mileage at test: 53,994 miles
- Jaguar average pass rate: 84.1%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.