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
- Car finance compensation: where the FCA scheme standsThe FCA's car finance compensation scheme is partly on hold while a legal challenge is heard in February 2027. What it means if you had finance between 2007 and 2024.
- Autumn Budget 2026: what drivers should watch forThe Autumn Budget is on 28 October 2026. What's already confirmed for drivers, from pay-per-mile tax on EVs to fuel duty and company car tax, and what could change.
- Interest rates held at 3.75%: what it means for car financeThe Bank of England held Bank Rate at 3.75% in September 2026, with three members voting for a rise. What that means for car finance APRs and your next deal.
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.
- Van finance explainedHP, lease purchase and leasing, and why PCP is rare on vans.