Renault Captur Motor Finance - Owner Information | MLJ.org.uk

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Renault Captur Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Renault Captur was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the period under investigation by the Financial Conduct Authority (FCA), which spans from 6 April 2007 to 1 November 2024. This investigation has brought to light significant issues surrounding motor finance mis-selling, particularly in how dealerships were incentivised through discretionary commission arrangements.

How the Renault Captur was Typically Financed

The Renault Captur, a popular subcompact SUV, was frequently financed via PCP and HP agreements during the FCA's investigation period. Typical finance amounts for the Captur ranged from £15,000 to £30,000, with terms commonly spanning 36 to 48 months. Common lenders providing finance for Renault vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. PCP agreements often featured a balloon payment at the end of the term, which could significantly affect affordability if not properly explained by dealerships. This payment represents the remaining value of the vehicle once the initial loan period is over. Understanding this component is crucial for buyers to assess their long-term financial obligations accurately.

The FCA Motor Finance Investigation

The FCA investigation uncovered widespread issues related to discretionary commission arrangements in motor finance agreements. These arrangements allowed dealers to receive additional payments from lenders based on the type of finance agreement selected by consumers, often incentivising them to push customers towards more expensive products like PCP rather than simpler HP or cash purchases. According to the FCA's estimates, 12.1 million eligible agreements (FCA, March 2026) by these practices (FCA estimate), leading to an average overcharge of £829 per customer (FCA estimate) and a total estimated loss of £7.5 billion (FCA, March 2026) for consumers across the UK (FCA estimate).

How to Check Your Agreement Key indicators that your agreement may be affected include specific terms around discretionary commissions and any mention of a 'DCA' (Discretionary Commission Arrangement). agreements executed between 6 April 2007 and 1 November 2024 should be scrutinised.

You can also check with the dealership or lender if there were any incentives for them to recommend certain finance types over others during your purchase process. Understanding these details will help you determine whether your agreement might have been mis-sold due to inappropriate commission arrangements.

How to Complain Directly to Your Lender for Free

If you believe your Renault Captur finance agreement was affected by the FCA's findings, you can complain directly to your lender without needing a claims management company. Common lenders for Renault vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Your lender should provide a free process for handling complaints, allowing you to challenge any unfair practices or mis-selling allegations. you do not need a claims management company to handle your complaint; the lender is required by law to address your concerns directly and fairly.

Sources and References

Financial Conduct Authority (FCA). "Motor Finance Market Investigation Final Report." FCA, 2024.
Office for National Statistics (ONS) Census. "UK Population Estimates." ONS, 2021.

Renault Captur MOT Pass Rate

Based on 140,373 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Renault Captur has a pass rate of 82.6%. This is close to the national average of 79.6%, meaning the Captur performs about average in MOT testing.

The Captur pass rate is better than the overall Renault average of 74.3%. The average mileage at MOT for this model is 52,796 miles.

MOT pass rate: 82.6%
MOT failure rate: 17.4%
Tests analysed: 140,373 (2024 DVSA data)
Average mileage at test: 52,796 miles
Renault average pass rate: 74.3%
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 should I do if my Renault Captur finance agreement was mis-sold to me?

If you suspect that your Renault Captur motor finance agreement was mis-sold, you can complain directly to the lender for free without needing a claims management company. It's important to review your contract and gather any evidence of mis-selling before making a complaint.

How common is it for Renault Captur owners to be victims of motor finance mis-selling?

According to data from the Financial Conduct Authority (FCA), as many as 12.1 million eligible agreements (FCA, March 2026) have been affected by motor finance mis-selling across all car brands, including Renault Captur models. This highlights that issues with motor finance are widespread and not isolated to a specific brand.

What steps should I take if I believe my Renault Captur purchase was impacted by unfair terms or practices?

If you feel your Renault Captur purchase was affected by unfair terms or practices, start by reviewing the agreement details and gathering any relevant documentation. You can then formally complain to the lender for free. The FCA has estimated that £7.5 billion (FCA, March 2026) is owed in refunds from motor finance mis-selling, indicating a significant number of cases.

How much could I be eligible to receive if my Renault Captur finance agreement was mis-sold?

The average refund for individuals affected by motor finance mis-selling is estimated at £829 (FCA estimate). However, the exact amount can vary depending on the specific circumstances and terms of your Renault Captur finance 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.