The Subaru Levorg, known for its sleek design and dynamic performance, 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. This period saw widespread mis-selling practices within the motor finance industry, affecting millions of consumers across the UK.
How the Subaru Levorg was Typically Financed
Subaru Levorg owners often financed their vehicles through PCP or HP agreements, with typical financing amounts ranging from £15,000 to £30,000. These loans were commonly offered by lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. The standard term for a PCP agreement was 36 to 48 months, during which the borrower made monthly payments while retaining ownership of the vehicle until the final balloon payment or option-to-purchase fee.
Balloon payments were a key feature in many PCP agreements, representing the remaining value of the car at the end of the term. This final sum could be paid in full to own the vehicle outright, returned to the lender, or traded in for another new Subaru Levorg or different model altogether.
The FCA Motor Finance Investigation
The FCA's investigation uncovered significant issues with
discretionary commission arrangements (DCAs) within motor finance agreements. These DCAs allowed dealers and brokers to receive additional payments from lenders based on the type of agreement offered to customers, often leading to higher interest rates and fees without clear disclosure or consumer benefit.
According to the FCA estimates, 12.1 million eligible agreements (FCA, March 2026) by these practices between April 2007 and November 2024. The total amount involved was estimated at £7.5 billion (FCA, March 2026), with an FCA-estimated average of £829 per eligible agreement. This investigation highlighted widespread mis-selling across various makes and models, including the Subaru Levorg.
How to Check Your Agreement Look for references to "discretionary commission," "lender discretion fees," or similar terms. These might be listed under the lender's name in your contract.
check if the agreement was signed between April 2007 and November 2024. If you notice any discrepancies or suspect mis-selling, consult with a legal expert to understand your rights and options.
You do not need a
claims management company to file a complaint against your finance lender. Common lenders for Subaru Levorg include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Each of these companies has a dedicated customer service team that can assist you with any concerns about your agreement.
When contacting your lender, clearly explain the issues you have identified in your finance agreement. Provide copies of relevant documentation, such as your contract or loan terms, to support your case. Your lender is required by law to respond to your complaint within eight weeks and should provide a fair resolution at no cost to you.
Sources and References
- Financial Conduct Authority (FCA estimate)
- Office for National Statistics Census 2021
- Motor Finance Association Reports
Based on 624 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Subaru Levorg has a pass rate of 89.9%. This is above the national average of 79.6%, meaning the Levorg performs well in MOT testing.
The Levorg pass rate is better than the overall Subaru average of 81.1%. The average mileage at MOT for this model is 47,375 miles.
- MOT pass rate: 89.9%
- MOT failure rate: 10.1%
- Tests analysed: 624 (2024 DVSA data)
- Average mileage at test: 47,375 miles
- Subaru average pass rate: 81.1%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.