Lamborghini Car Finance Mis-Selling - FCA Investigation

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Lamborghini Car Finance Mis-Selling - FCA Investigation

Last updated: 26 July 2026

Lamborghini cars have long been synonymous with luxury and performance. During the period from 6 April 2007 to 1 November 2024, these high-end vehicles were commonly sold through Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements. However, many consumers who purchased their Lamborghini under these terms may have been affected by a significant investigation into motor finance practices carried out by the Financial Conduct Authority (FCA).

How Lamborghini Cars Were Financed

Lamborghini cars are often financed through various lenders that specialize in high-end automotive financing. Common lenders for Lamborghini include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders typically offer PCP and HP finance agreements tailored to the specific needs of luxury car buyers. PCP finance allows customers to pay a deposit and monthly payments on their chosen vehicle, with an option at the end of the agreement to return the car or purchase it outright for its guaranteed future value (GFV). HP finance requires full repayment of the loan over an agreed period, usually without an option to return the vehicle. Both options can provide flexible ownership terms for luxury vehicles like Lamborghinis.

The FCA Motor Finance Investigation

The Financial Conduct Authority launched a significant investigation into discretionary commission arrangements in motor finance agreements from 6 April 2007 to 1 November 2024. This period saw an estimated 12.1 million eligible agreements (FCA, March 2026), amounting to £7.5 billion total with an average of £829 per agreement (FCA estimate). The investigation uncovered practices where lenders may have paid discretionary commission payments to retailers for each finance agreement they facilitated. These arrangements could potentially have influenced the choice of finance products recommended to customers, leading to agreements that were not necessarily in their best interest. As a result, many consumers who financed their Lamborghinis during this period might be eligible to seek redress from their lenders.

How to Check Your Agreement Look for evidence of a discretionary commission arrangement between your lender and the dealership where you purchased your vehicle. This could include higher-than-expected interest rates or terms that seemed less favorable than what was initially advertised.

The critical dates to consider are from 6 April 2007 through 1 November 2024, as this is when the FCA identified potential issues in motor finance practices (FCA estimate). If your agreement falls within these dates and you suspect it may have been influenced by discretionary commissions, you should proceed with a formal complaint.

How to Complain Directly to Your Lender for Free

You do not need a claims management company to seek redress. Instead, you can complain directly to your lender for free. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have processes in place to handle complaints related to the FCA investigation. When initiating a complaint, provide detailed information about your finance agreement, including dates of purchase, loan amount, interest rates, and any terms that seemed unusual or unfavorable. Your lender should respond within 8 weeks (FCA estimate) with an acknowledgment and subsequent resolution if applicable.

Sources and References

Financial Conduct Authority (FCA). "Motor Finance Redress Scheme." FCA, 2024.
Financial Ombudsman Service (FOS). "Guidance for Motor Finance Complaints," 2023.
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.

Lamborghini MOT Pass Rate - 2024 Data

Across 3,292 MOT tests in 2024, Lamborghini vehicles have an overall pass rate of 96.6%. This is above the national average of 79.6%. DVSA data covers 10 Lamborghini models with sufficient test volume.

Overall pass rate: 96.6%
Total MOT tests (2024): 3,292
Models with data: 10
National average: 79.6%

Best Lamborghini models for MOT pass rate

Lamborghini Huracan: 97.6% pass rate (752 tests)
Lamborghini Gallardo: 96.0% pass rate (529 tests)
Lamborghini Urus V8 Auto: 95.6% pass rate (678 tests)

Lamborghini MOT Reliability Trend (2022-2024)

Lamborghini pass rates have remained stable: 96.5% in 2022, 96.9% in 2023, and 96.6% in 2024.

2022: 96.5% pass rate (2,802 tests)
2023: 96.9% pass rate (3,061 tests)
2024: 96.6% pass rate (3,292 tests)

Based on 9,155 MOT tests across three years (DVSA open data).

Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.

Frequently Asked Questions

Was Lamborghini motor finance mis-sold to me?

Lamborghini car motor finance may have been mis-sold if you were misled about its affordability or suitability for your financial situation. Mis-selling can occur when lenders fail to properly assess a borrower's ability to repay the loan, which was particularly common between April 6, 2007 and November 1, 2024 (FCA estimate).

How many people were affected by mis-sold Lamborghini motor finance?

While there is no specific data on the number of individuals affected solely by mis-sold Lamborghini motor finance agreements, it is part of a broader issue affecting 12.1 million eligible agreements (FCA, March 2026) across all brands (FCA estimate).

What should I do if my Lamborghini car finance was mis-sold?

If you believe your Lamborghini car finance agreement was mis-sold, consider reviewing the details of your contract and assessing whether the terms were fair to your financial situation. You can complain directly to your lender for free without needing a claims management company.

Is it common for high-end brands like Lamborghini to have issues with motor finance agreements?

Mis-selling of car finance is not unique to any brand, including luxury cars like Lamborghini. The Financial Conduct Authority (FCA) has identified widespread mis-selling affecting various makes and models between April 6, 2007 and November 1, 2024 (FCA estimate).

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.