Renault Car Finance Claim - £829 Avg Payout [2026]

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Renault Car Finance Claim - £829 Avg Payout [2026]

Last updated: 26 July 2026

Renault cars were commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) motor finance investigation period, which ran from 6 April 2007 to 1 November 2024. The FCA found that many of these agreements involved discretionary commission arrangements that may have affected their fairness and transparency.

How Renault Cars Were Financed

Renault vehicles were often financed through various lenders including Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders typically offered PCP and HP finance options to customers looking to purchase a new or used Renault car. A common feature of these agreements was the inclusion of discretionary commission payments, which were paid by the lender to the dealership for selling the finance agreement along with the vehicle.

The FCA Motor Finance Investigation

The FCA's investigation into motor finance revealed that between 6 April 2007 and 1 November 2024, an estimated 12.1 million eligible agreements (FCA, March 2026) were affected by discretionary commission arrangements. These arrangements could have led to higher interest rates for consumers due to the additional costs incurred by lenders. The total amount of mis-sold finance is estimated at £7.5 billion (FCA estimate), with the average consumer potentially overpaying around £829 (FCA estimate) as a result.

How to Check Your Agreement If your PCP or HP agreement started between 6 April 2007 and 1 November 2024, it may have been affected by discretionary commission arrangements. You can also check for any additional fees that were not clearly explained at the time of signing up.

How to Complain Directly to Your Lender for Free

If you suspect your Renault finance agreement was part of the FCA investigation and you believe you have suffered financial loss, you should contact your lender directly. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all offer a complaints process that is free to use. It is important to gather any relevant evidence before making a complaint, including copies of the original finance agreement, payment records, and correspondence with your lender. You do not need a claims management company to handle this process for you; many lenders will assist customers in resolving issues without additional costs or third-party involvement. Be sure to keep detailed notes of all interactions with your lender throughout the complaints procedure.

Sources and References

Financial Conduct Authority (FCA) estimates on motor finance mis-selling
FOS guidance on handling financial disputes
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.

Renault MOT Pass Rate - 2024 Data

Across 1,133,900 MOT tests in 2024, Renault vehicles have an overall pass rate of 74.3%. This is below the national average of 79.6%. DVSA data covers 163 Renault models with sufficient test volume.

Overall pass rate: 74.3%
Total MOT tests (2024): 1,133,900
Models with data: 163
National average: 79.6%

Best Renault models for MOT pass rate

Renault Captur S Edition Tce Auto: 94.6% pass rate (2,475 tests)
Renault Master Lm35 Business Blue Dci: 94.2% pass rate (521 tests)
Renault Captur S Edition Tce: 93.7% pass rate (4,505 tests)
Renault Captur S Edition E-Tech Phev A: 93.3% pass rate (539 tests)
Renault Captur Iconic Tce Auto: 92.8% pass rate (1,871 tests)

Renault models with lowest MOT pass rate

Renault G: 68.3% pass rate (1,093 tests)
Renault G Scenic D-Que Tt Energy Dciss: 68.1% pass rate (1,100 tests)
Renault Grand Espace: 68.1% pass rate (1,773 tests)
Renault Modus: 67.6% pass rate (14,838 tests)
Renault Espace: 66.8% pass rate (1,535 tests)

Renault MOT Reliability Trend (2022-2024)

Renault pass rates have remained stable: 73.9% in 2022, 73.9% in 2023, and 74.3% in 2024.

2022: 73.9% pass rate (1,351,810 tests)
2023: 73.9% pass rate (1,337,537 tests)
2024: 74.3% pass rate (1,133,900 tests)

Based on 3,823,247 MOT tests across three years (DVSA open data).

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

Frequently Asked Questions

What is motor finance mis-selling by Renault?

Motor finance mis-selling by Renault refers to situations where Renault dealerships may have improperly advised customers on financing options for their vehicles, such as Personal Contract Purchase (PCP) or Hire Purchase (HP). This could include pushing high-interest rates or unsuitable agreements on consumers.

How many people in the UK were affected by motor finance mis-selling from Renault?

It is difficult to pinpoint exact numbers for Renault alone, but it is estimated that 12.1 million eligible agreements (FCA, March 2026) have been mis-sold across the UK car market between April 6, 2007 and November 1, 2024 (FCA estimate).

What should I do if I suspect Renault has mis-sold me motor finance?

If you believe that Renault has mis-sold you motor finance, you can complain directly to your lender for free. It is important to gather all relevant documentation and review the terms of your agreement thoroughly before proceeding.

How much could I potentially recover from Renault if motor finance was mis-sold?

The average repayment in successful cases involving motor finance mis-selling can be around £829 (FCA estimate). The actual amount recovered would depend on the specifics of your case and the terms of your agreement.

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.