The Land Rover Range Rover Sport, a luxury SUV known for its commanding presence and advanced technology, 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. Many owners who financed their Range Rover Sport through these arrangements may have been affected by motor finance mis-selling, leading to significant financial implications.
## How the Land Rover Range Rover Sport was Typically Financed
The Land Rover Range Rover Sport was often purchased on PCP and HP agreements with typical loan amounts ranging from £15,000 to £30,000. Common lenders for financing a Range Rover Sport included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
Under these finance deals, the borrower would make monthly payments over a term of 36 to 48 months, with some PCP agreements including a final balloon payment that was due at the end of the contract if the vehicle was not returned. This structure allowed customers to manage their cash flow while potentially building equity in the car.
## The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into
discretionary commission arrangements used by motor finance lenders from 2007 onwards. These arrangements were found to have resulted in inflated finance agreements, with 12.1 million eligible agreements (FCA, March 2026) across the UK market (FCA estimate). This mis-selling led to consumers paying £7.5 billion (FCA, March 2026) more than they should have (FCA estimate), which translates to an average additional cost of £829 per agreement (FCA estimate).
The investigation uncovered that manufacturers and dealerships received higher commissions when customers were steered towards more expensive finance packages, even though cheaper alternatives may have been available. This practice was particularly prevalent for luxury models like the Land Rover Range Rover Sport.
## How to Check Your Agreement Look for any mention of "discretionary commission" or similar terms. note that agreements made between 6 April 2007 and 1 November 2024 are potentially affected by these findings.
If you notice a significant discrepancy in your finance costs compared to other offers available at the time, it may be an indication of mis-selling. Another clue is if your agreement includes terms like "DCA" (Discretionary Commission Agreement), which could indicate that higher commissions were paid based on the finance deal chosen.
## How to
Complain Directly to Your Lender for Free
If you suspect that your Land Rover Range Rover Sport was financed under a mis-sold agreement, it is important to take action promptly. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have specific processes in place to handle complaints related to motor finance agreements.
You can complain directly to your lender for free without needing the assistance of a
claims management company. The lender should provide you with clear information on how to proceed with your complaint, including any deadlines or requirements for evidence.
When lodging your complaint, it is advisable to include relevant documents such as your original financing agreement and any correspondence related to the finance arrangement. This will help substantiate your case and ensure a thorough review by the lender.
## Sources and References
- Financial Conduct Authority (FCA) estimates on motor finance mis-selling: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement per agreement.
- Motor finance lenders for Land Rover Range Rover Sport: Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, Santander Consumer Finance.
Land Rover Range Rover Sport MOT Pass Rate
Based on 119,421 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Land Rover Range Rover Sport has a pass rate of 84.4%. This is above the national average of 79.6%, meaning the Range Rover Sport performs well in MOT testing.
The Range Rover Sport pass rate is in line with the overall Land Rover average of 82.6%. The average mileage at MOT for this model is 85,583 miles.
- MOT pass rate: 84.4%
- MOT failure rate: 15.6%
- Tests analysed: 119,421 (2024 DVSA data)
- Average mileage at test: 85,583 miles
- Land Rover average pass rate: 82.6%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.