What does the cryptic crossword clue "Fiat lacking finish? Mine's in late stages of decay (8)" mean?

The definition is "in late stages of decay". The wordplay uses a charade (building blocks). DECRE (synonym="DECRE") + PIT (synonym="mine") = DECREPIT The answer is DECREPIT.

Fiat lacking finish? Mine's in late stages of decay (8)

Times Cryptic #28706 | 16 Down | 2023-09-12 flower

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