Choose your vehicle
CarsHow HP, PCP and balloon HP work, what lenders check before they lend, and your options if your credit history isn't perfect.Explore car finance
VansHP, lease purchase and leasing, for businesses, sole traders and personal buyers.Explore van finance
PickupsHP, lease purchase and PCP, plus the 2025 tax changes for double cabs.Explore pickup finance
MotorbikesPCP, HP and loans, and the costs to budget for beyond the payments.Explore motorbike finance
MotorhomesHP over up to ten years, lease purchase for lower payments, and the running costs to plan for.Explore motorhome finance
What we do
We explain how vehicle finance works in the UK, in plain English. Our guides cover:
- How each type of agreement works, with worked examples of the real cost
- What lenders look at, and honest guidance if you have poor credit or receive benefits
- Your rights, including paying off an agreement early or handing the vehicle back
Why we do it
Most of what you find when you search for vehicle finance is written by companies that want to sell you a deal. We’ve worked in UK vehicle finance, so we know how agreements work and where people get caught out.
This site puts the costs, risks and rights in plain view, so you can make your own decision. Read more about who we are and how we write.
Latest news
- Interest rates rise to 4%: what it means for car financeThe Bank of England raised Bank Rate to 4% on 5 November 2026. What the rise means for your existing car finance, new deals and what you can do now.
- New car sales up 5.4% in October as electric cars take a third of the marketUK new car registrations rose 5.4% in October 2026, the 11th monthly rise in a row, with electric cars at a 32% share. What it means if you buy on finance.
- Car finance compensation: where the FCA scheme standsBarclays is making early car finance compensation offers, and the FCA has set rules for them. What an offer means, key dates and the 2027 hearing.
Popular guides
Start with the questions people ask us most.
- Car finance explainedHow car finance works, the main types, and what lenders check.
- PCP car financeLower monthly payments, an optional final payment, and three choices at the end.
- Bad credit car financeWhat counts as bad credit, what it can cost, and how to improve your chances.
- Car finance on Universal CreditHow lenders look at Universal Credit, and whether a car affects your claim.
- Car finance calculatorCompare HP and PCP monthly payments and total cost. Nothing to sign up for.
- PCP vs HPThe two most common types of car finance compared on the same car.
- Struggling with paymentsWhat your lender must do, your options, and free debt advice.
- Van finance explainedHP, lease purchase and leasing, and why PCP is rare on vans.