The Mazda 6 was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period from 6 April 2007 to 1 November 2024, which coincides with the Financial Conduct Authority's (FCA) investigation into motor finance mis-selling. The FCA found that
discretionary commission arrangements, often referred to as Discretionary Commission Arrangements (DCAs), were widespread during this period and affected millions of consumers.
How the Mazda 6 was Typically Financed
When purchasing a new or nearly-new Mazda 6 on PCP or HP finance, the typical loan amount ranged from £15,000 to £30,000. Common lenders for the Mazda 6 included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. The average PCP term was typically between 36 and 48 months.
In a typical PCP agreement, the borrower would pay monthly instalments based on the predicted depreciation of the vehicle over the loan period. At the end of the contract, the borrower had three options: return the car to the lender, make a final balloon payment (which could be significantly higher than expected), or buy out the remaining equity at a pre-agreed price.
The FCA Motor Finance Investigation
The FCA investigation uncovered that many motor finance agreements included hidden costs and unfair terms resulting from DCAs. These arrangements allowed dealerships to receive additional payments based on the type of finance agreement chosen by the customer, often incentivising them to push more expensive or less transparent deals like PCP over simpler HP agreements.
According to the FCA's estimates, 12.1 million eligible agreements (FCA, March 2026) were affected by these practices during the investigation period. The total value of mis-sold agreements was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026).
How to Check Your Agreement Look for any mention of a "Discretionary Commission Arrangement" or similar language indicating that the lender may have paid additional fees to the dealership based on the type of finance you chose.
Relevant dates are crucial: if your Mazda 6 was purchased between 6 April 2007 and 1 November 2024, it falls within the scope of the FCA's investigation. agreements that were active during this period may also be eligible for review.
If you suspect your Mazda 6 finance agreement was mis-sold due to DCAs or other unfair practices, you should first contact your lender directly. Common lenders for the Mazda 6 include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
You do not need a
claims management company to handle this process on your behalf. Many consumers can resolve their issues by gathering relevant documentation (such as loan agreements, letters from your lender, and any correspondence with the dealership) and submitting a formal complaint directly to the lender or through the
Financial Ombudsman Service (
FOS).
Sources and References
- FCA estimates for motor finance mis-selling: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, and £829 average per eligible agreement cost per agreement.
- Mazda model data and typical financing terms.
- Common lenders for the Mazda 6 as identified through public records and industry reports.
You can complain directly to your lender for free without needing a claims management company.
Based on 65,274 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Mazda 6 has a pass rate of 78.2%. This is close to the national average of 79.6%, meaning the 6 performs about average in MOT testing.
The 6 pass rate is in line with the overall Mazda average of 80.2%. The average mileage at MOT for this model is 92,828 miles.
- MOT pass rate: 78.2%
- MOT failure rate: 21.8%
- Tests analysed: 65,274 (2024 DVSA data)
- Average mileage at test: 92,828 miles
- Mazda average pass rate: 80.2%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.