Car Finance Guides
Everything you need to know about car finance in the UK. Written in plain English with real numbers. No sales pitch, no lead forms, no phone calls.
Finance Types
PCP Car Finance Explained
How PCP works, the balloon payment trap, mileage charges, and your legal rights. With real numbers.
Hire Purchase (HP) Explained
Fixed monthly payments, no balloon, you own it at the end. The straightforward option.
How Does Car Finance Work?
PCP, HP, personal loans, leasing. Every type of car finance compared in plain English.
No Deposit Car Finance
Zero deposit options exist. But they cost more. Here is exactly how much more.
Used Car Finance
Age limits, mileage restrictions, higher APRs. What the dealers don't mention upfront.
Credit
Bad Credit Car Finance
Your realistic options. What it costs. Which lenders to avoid. No sugar-coating.
Guaranteed Car Finance - The Truth
It doesn't exist. Here is what actually exists and what it costs.
Car Finance Self Employed
What lenders need from self-employed applicants. Open Banking is changing the game.
Exit & Settlement
Voluntary Termination
Your legal right to hand back the car. Section 99, the 50% rule, and what the dealer won't tell you.
Car Finance Settlement Figure
How to get your figure, whether paying early saves money, and the maths behind it.
Pay Off Car Finance Early
When it saves you money and when it doesn't. The early settlement calculation explained.
Negative Equity Car Finance
Your car is worth less than you owe. Here are your options.
PCP End of Contract Options
Pay the balloon, return it, or trade in. What each option actually costs.
14-Day Cooling Off Period
You can cancel car finance within 14 days. No questions asked. Here is how.
Run your own numbers
Guides explain the theory. The calculator shows you the reality for your specific car, deposit, and term.