The Nissan Juke was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which spanned from 6 April 2007 to 1 November 2024. During this time, many consumers who opted for a Nissan Juke found themselves entering into motor finance arrangements that may have been mis-sold due to
discretionary commission practices.
How the Nissan Juke was Typically Financed
The Nissan Juke was frequently financed through PCP and HP agreements with loan amounts typically ranging from £15,000 to £30,000. Common lenders for these finance arrangements included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These loans often came with a balloon payment at the end of the agreement, which is a lump sum that must be paid if you choose to keep the car at the end of your term.
PCP terms for the Nissan Juke commonly ranged from 36 to 48 months, allowing drivers flexibility in their monthly payments while also providing an option to return the vehicle or pay off the balloon payment. This structure made PCP a popular choice among buyers looking for lower monthly outgoings and more predictable costs.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance practices revealed that many car dealerships were involved in discretionary commission arrangements (DCAs). These arrangements allowed lenders to pay additional commissions to dealers based on the number of agreements they secured. Such practices could lead to salespeople incentivised more by earning potential than customer needs, potentially resulting in mis-selling.
The FCA found 12.1 million eligible agreements had been affected by these DCAs during its investigation period (FCA estimate). The total amount involved was estimated at £7.5 billion (FCA, March 2026), with the average claim being around £829 (FCA estimate).
How to Check Your Agreement Look for any references to additional commissions or bonuses paid based on the number of agreements signed by dealers.
You should also check the dates specified in your agreement; if it falls within 6 April 2007 and 1 November 2024 (FCA investigation period), there is a higher likelihood that your finance arrangement was affected. look for phrases like "discretionary commission" or abbreviations such as "DCA."
If you suspect that your Nissan Juke finance agreement may have been mis-sold due to DCAs during the investigation period, you can complain directly to your lender without needing a
claims management company. Common lenders include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting your lender, provide them with all relevant documentation and explain why you believe your finance agreement may have been mis-sold. You do not need to hire any third-party service providers; handling the complaint yourself is free of charge.
Sources and References
- FCA (2024)
- ONS Census 2021
Based on 265,862 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Nissan Juke has a pass rate of 77.3%. This is close to the national average of 79.6%, meaning the Juke performs about average in MOT testing.
The Juke pass rate is in line with the overall Nissan average of 77.7%. The average mileage at MOT for this model is 66,014 miles.
- MOT pass rate: 77.3%
- MOT failure rate: 22.7%
- Tests analysed: 265,862 (2024 DVSA data)
- Average mileage at test: 66,014 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.