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Finance Guides
Straight answers to the questions people actually ask before financing a vehicle — written to be useful, not to sell you something.
Guide
Understanding Hire Purchase (HP)
How hire purchase works, what you pay, when you own the vehicle, and the rights you get on a regulated HP agreement.
6 min read
Guide
Understanding Personal Contract Purchase (PCP)
How PCP works, what the balloon payment is, how mileage limits affect you, and the three choices you have at the end of the agreement.
7 min read
Comparison
HP vs PCP: which is right for you?
A side-by-side comparison of hire purchase and PCP — monthly cost, ownership, mileage, flexibility and total cost — so you can pick on facts rather than the monthly figure.
6 min read
Guide
Using a personal loan to buy a vehicle
When an unsecured personal loan beats dealer finance, what you give up, and why it is often the only route when buying from a private seller.
5 min read
Guide
What credit score do I need for car finance?
Why there is no single pass mark, what lenders actually look at, and how a soft search lets you check your position without leaving a mark.
6 min read
Guide
How much can I borrow for a car?
How lenders work out what you can afford, why the answer is a monthly payment rather than a lump sum, and how deposit and term change the number.
5 min read
Guide
Can I finance an older car?
Age and mileage limits explained, why lenders care about the vehicle at the end of the term, and the routes available for older and classic vehicles.
5 min read
Guide
Should I buy outright or finance?
An honest comparison of paying cash against financing — opportunity cost, depreciation, protections and flexibility.
5 min read
Comparison
Buying from a dealer vs a private seller
The legal protections you gain and lose, what finance is available for each, and the checks to run before handing over money privately.
6 min read
Guide
What documents do I need for car finance?
The proof of identity, address, income and bank details lenders ask for, why they ask, and how to make the process quick.
4 min read
Ready to apply?
Still not sure which is right for you?
Our UK-based advisers will talk it through — no pressure, no obligation.