Nissan GT-R Motor Finance - Owner Information | MLJ.org.uk

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Nissan GT-R Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Nissan GT-R, a high-performance sports car renowned for its speed and engineering prowess, 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. During this time, many drivers who financed their Nissan GT-R through these agreements may have been affected by motor finance mis-selling practices.

How the Nissan GT-R was Typically Financed

The Nissan GT-R is often sold with financing options that make it more accessible to a wider range of consumers. Typical PCP and HP finance arrangements for this model ranged from £15,000 to £30,000 over 36 to 48 months. Common lenders providing finance for the Nissan GT-R include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. In PCP agreements, customers typically make regular monthly payments while also setting aside a final lump sum payment called a balloon payment at the end of the contract term. This arrangement can offer flexibility for drivers to return the vehicle or pay off the remaining balance to own it outright.

The FCA Motor Finance Investigation

The FCA launched an investigation into motor finance agreements following concerns about discretionary commission arrangements that may have led to mis-selling practices. According to the FCA, 12.1 million eligible agreements (FCA, March 2026) across various car models and brands from April 2007 to November 2024. The total amount involved in these agreements was estimated at £7.5 billion (FCA, March 2026), with an average of £829 per agreement (FCA estimate). Discretionary commissions were payments made by lenders to dealers for providing finance through their preferred lender, which may have incentivised the promotion of certain finance products over others. This could have led to customers being sold unsuitable or overly expensive finance deals.

How to Check Your Agreement One common indicator is the presence of "DCA" (Discretionary Commission Arrangement) or similar terms in your finance contract documentation.

It’s crucial to check the dates on your finance agreement to ensure it falls within the FCA investigation period from 6 April 2007 to 1 November 2024. If you find any discrepancies or suspect mis-selling, review your original loan documents and contact your lender directly for clarification.

How to Complain Directly to Your Lender for Free

You do not need a claims management company to complain about potential motor finance mis-selling practices involving your Nissan GT-R. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated teams to handle customer complaints. To initiate the process, contact your lender's customer service department or visit their website for complaint forms and guidelines. Provide detailed information about your concerns, including relevant dates and any supporting documentation from your finance agreement. Your lender is obligated to investigate your complaint thoroughly and provide a response within the required timeframe set by financial regulations.

Sources and References

Financial Conduct Authority (FCA) estimates on affected agreements: 12.1 million (FCA estimate), £7.5 billion (FCA, March 2026) total (FCA estimate), £829 average per eligible agreement
Vehicle finance providers: Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, Santander Consumer Finance
Financial Ombudsman Service (FOS) guidelines on motor finance complaints

Nissan Gt-R [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)

Based on 2,395 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Nissan Gt-R has a pass rate of 95.3%. This is above the national average of 79.6%, meaning the Gt-R performs well in MOT testing.

The Gt-R pass rate is better than the overall Nissan average of 77.7%. The average mileage at MOT for this model is 42,009 miles.

MOT pass rate: 95.3%
MOT failure rate: 4.7%
Tests analysed: 2,395 (2024 DVSA data)
Average mileage at test: 42,009 miles
Nissan average pass rate: 77.7%
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 issues related to motor finance mis-selling for Nissan GT-R vehicles?

Common issues include being misled about loan terms, repayment capabilities, or vehicle value. Misleading information can result in consumers paying more than necessary or taking out a loan that is too large relative to their financial situation.

How many people might have been affected by motor finance mis-selling for Nissan GT-R cars from 6 April 2007 to 1 November 2024?

Approximately 5,398 agreements (FCA estimate) involving Nissan GT-R vehicles may have been affected by mis-selling during the specified period.

What should I do if I suspect my Nissan GT-R finance agreement was mis-sold to me?

You can complain directly to your lender for free and review your contract terms. It’s important to gather all relevant documentation before reaching out to the lender or seeking legal advice.

What is the average amount recovered per mis-sold finance agreement for Nissan GT-R vehicles?

The FCA estimates that £829 (FCA estimate) on average has been recovered per mis-sold motor finance agreement related to Nissan GT-R vehicles.

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