Renault vans have been popular choices for both personal and commercial use in the UK. During the period from 6 April 2007 to 1 November 2024, Renault vans were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements through various lenders such as
Black Horse,
Lombard,
[Close Brothers](https://mlj.org.uk/lenders/close-brothers-motor-finance) Motor Finance, and Hitachi Capital Vehicle Solutions. These financial arrangements allowed many consumers to access the vehicles they needed for business or personal use with more manageable monthly payments.
## How Renault Vans Were Financed
Renault vans were often financed through a variety of lenders, each offering different types of finance agreements suitable for various customer needs. Commonly used by Renault customers were Personal Contract Purchase (PCP) and Hire Purchase (HP) plans. PCP agreements allowed buyers to make lower monthly payments over the term of the agreement, with an option to purchase the vehicle at the end or return it. HP plans required higher monthly payments but often resulted in outright ownership of the van by the end of the contract.
These finance options were typically facilitated by lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. Each lender had specific terms and conditions that varied based on factors like credit score, down payment, and loan term length. Renault dealerships would often work closely with these financial institutions to offer customers tailored financing solutions.
## The FCA Motor Finance Investigation
In the period from 6 April 2007 to 1 November 2024, the Financial Conduct Authority (FCA) conducted an investigation into
discretionary commission arrangements within motor finance agreements. This investigation uncovered significant issues affecting millions of consumers who financed their vehicles through various lenders, including those providing Renault van finance.
The FCA found that some lenders had been offering additional commissions to car dealers for selling finance products alongside vehicle sales. These discretionary commissions were not always transparent and could result in higher costs for the consumer without a corresponding benefit. The investigation concluded that 12.1 million eligible agreements (FCA, March 2026) across the UK were affected by such practices, resulting in an estimated total of £7.5 billion (FCA estimate) worth of overcharges. On average, each affected agreement was overcharged by about £829 (FCA estimate).
## How to Check Your Agreement Key things to look for include any mention of discretionary commissions paid by the lender to the dealer involved in facilitating your finance agreement.
You should also check if there were any unusual charges or fees that seemed out of place compared to standard financing costs. If you notice discrepancies, it may be a sign that your agreement was affected by the practices uncovered during the FCA investigation.
## How to
Complain Directly to Your Lender for Free
If you believe your Renault van finance agreement may have been affected by the issues identified in the FCA motor finance investigation, you can complain directly to your lender without needing to use a
claims management company. Common lenders involved with Renault van financing include Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
When contacting these lenders, it is important to gather all relevant documentation such as your agreement terms, payment schedules, and any correspondence from the lender or dealer. Providing clear evidence of discrepancies in your finance charges can help support your case effectively. You do not need a claims management company; you can handle this process independently and at no cost.
## Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics Census, 2021
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.
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.