Kia Sorento Hybrid Motor Finance - Owner Information | MLJ.org.uk

Home › Vehicles › Cars › Kia › Kia › Kia Sorento Hybrid Motor Finance - Owner Information | MLJ.org.uk

Kia Sorento Hybrid Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Kia Sorento Hybrid was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the period under investigation by the Financial Conduct Authority (FCA), from 6 April 2007 to 1 November 2024. During this time, many consumers purchased their Kia Sorento Hybrids through various lenders who offered flexible financing options that often included balloon payments at the end of the contract.

How the Kia Sorento Hybrid was Typically Financed

The typical finance amount for a Kia Sorento Hybrid ranged from £15,000 to £30,000. Common terms for PCP agreements were 36 to 48 months, during which drivers paid monthly instalments while retaining ownership of the vehicle until the end of the contract or an optional final balloon payment. For Hire Purchase (HP) contracts, consumers typically borrowed a larger sum upfront and made regular payments over a longer period without the option for a final balloon payment. Common lenders who provided finance for Kia Sorento Hybrids during this period included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These institutions often structured deals to suit individual customer needs, including flexible repayment terms and options like part-exchange offers at the start of a new contract.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) launched an investigation into discretionary commission arrangements used by car finance lenders during the period from 6 April 2007 to 1 November 2024. This probe uncovered significant issues related to how manufacturers and dealerships paid lenders for facilitating finance agreements, which led to unfair practices that may have affected millions of consumers. The FCA's findings revealed that 12.1 million eligible agreements were potentially impacted by these arrangements (FCA estimate). The total estimated amount involved was £7.5 billion (FCA, March 2026), with the average consumer overpaying around £829 (FCA estimate) as a result of these practices. If you find evidence of DCAs or suspect that your agreement may be affected, it is important to gather all related documentation and prepare a detailed complaint.

How to Complain Directly to Your Lender for Free

You do not need a claims management company to pursue a complaint. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have dedicated teams to handle customer complaints. To initiate the process: 1. Gather Evidence: Collect all relevant documents including your finance agreement, payment records, and any correspondence with your lender. 2. Contact Your Lender: Reach out to your lender's customer service or complaints department via phone or email. Provide them with detailed information about why you believe your agreement was affected by the FCA investigation. 3. Follow Up: Keep track of all communications and follow up regularly if necessary. Ensure that your lender acknowledges receipt of your complaint and provides a timeline for resolution. If your initial complaint does not resolve the issue, or if you need further assistance, consider escalating it to the Financial Ombudsman Service (FOS). This independent body can review your case free of charge and provide a fair resolution based on their findings.

Sources and References

FCA estimate
Financial Conduct Authority (FCA)
Office for National Statistics (ONS) Census 2021

Kia Sorento MOT Pass Rate

Based on 34,491 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Kia Sorento has a pass rate of 77.7%. This is close to the national average of 79.6%, meaning the Sorento performs about average in MOT testing.

The Sorento pass rate is slightly below the overall Kia average of 81.4%. The average mileage at MOT for this model is 85,380 miles.

MOT pass rate: 77.7%
MOT failure rate: 22.3%
Tests analysed: 34,491 (2024 DVSA data)
Average mileage at test: 85,380 miles
Kia average pass rate: 81.4%
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

What are common complaints about Kia Sorento Hybrid car motor finance mis-selling?

Common complaints include being pressured into a deal they couldn't afford, not fully understanding the terms and conditions of the agreement, or feeling misled about repayment options. (FCA estimate)

How can I verify if my Kia Sorento Hybrid car motor finance agreement was mis-sold?

You should review your contract to check for any discrepancies between what you were told and the terms of the agreement. Additionally, checking with the Financial Ombudsman Service (FOS) or contacting your lender can provide clarity.

What is the estimated cost recovery potential from mis-sold Kia Sorento Hybrid car motor finance agreements?

The average compensation for mis-sold personal loans and credit cards, which may be indicative of other types of financial products like Kia Sorento Hybrid car finance, stands at £829 (FCA estimate).

What steps should I take if I suspect my Kia Sorento Hybrid car motor finance agreement was mis-sold?

You can complain directly to your lender for free and request a review of the terms under which you entered into the agreement. You do not need a claims management company.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.