Guides
- 01How It WorksCar finance explained: how PCP, HP, leasing and loans work, what APR really means, and how to choose. Then work out your numbers with our free calculators.
- 02TypesThe four ways to finance a car in the UK, what each costs, and who each suits. Compare PCP, HP, PCH and personal loans — then calculate your own deal free.
- 03PCP vs HPPCP, HP and leasing compared on cost, ownership and flexibility, with worked examples. See which is cheaper for your numbers using our free calculators.
- 04Worth It?Should you finance a car or buy outright? The real costs, risks and benefits weighed honestly. Work out the true cost of financing before you decide — free.
- 05Halal Car FinanceHow halal, interest-free car finance works in the UK and how it differs from conventional PCP and HP. Understand the structures and real costs — free, plain English.
- 06Credit Score Bands for Car Finance ExplainedCredit score bands for car finance, explained in plain English with worked numbers. Understand yours, then use our free, independent car finance calculators.
- 07Soft Search vs Hard SearchSoft Search vs Hard Search in plain English, with worked numbers. Understand it, then put it to work with our free, independent car finance calculators.
- 08How Car Finance Deposits WorkHow Car Finance Deposits Work in plain English, with worked numbers. Understand it, then put it to work with our free, independent car finance calculators.
- 09Car Finance Mileage Limits ExplainedCar Finance Mileage Limits Explained in plain English, with worked numbers. Understand it, then put it to work with our free, independent car finance calculators.
- 10End of Car Finance AgreementEnd of Car Finance Agreement in plain English, with worked numbers. Understand it, then put it to work with our free, independent car finance calculators.
- 11Long-term car loansLong-term car finance (72, 84 and 120 months) cuts the monthly but raises the total interest and the negative-equity risk. See the real trade-off, free.
- 12£10,000 car loanA £10,000 car loan costs about £253 a month over 4 years at 9.9% APR. See the monthly and total at different terms, APRs and credit bands, free.
- 13How finance is calculatedCar finance is calculated with the amortisation formula. We explain it in plain English, with a worked example you can check any quote against, free.
- 14Martin Lewis car financeThe car-finance rules consumer champion Martin Lewis recommends — compare total cost not the monthly, watch the balloon, read the APR — applied with our free calculator.