Car Finance

Car buying guides, maintenance tips, finance advice & UK car news

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Dealer Finance vs Personal Loan: Which Is Cheaper for a Used Car?

Dealer finance is convenient — the paperwork is signed in the same room as the car. But convenient is not the same as cheap. Here is how dealer finance and personal loans compare on cost, protection, and negotiating power, with the one strategy that gets you the best of both.

14 min read 28 Jun 2026

Car Finance

How to Pay Off Car Finance Early: Settlement Figures Explained

You can pay off HP or PCP car finance early at any time — and you will pay less than the remaining scheduled payments. The Consumer Credit Act requires lenders to rebate future interest. Here is exactly how settlement figures are calculated, when settling early makes financial sense, and what paperwork to keep.

13 min read 25 Jun 2026

Car Finance

Car Finance with Bad Credit UK: What Actually Works in 2026

A CCJ from two years ago. A missed payment during redundancy. Or simply never having borrowed before. All three can result in the same problem: a declined application or an APR that costs thousands more than you expected. Here is an honest guide to what is available and what it actually costs.

13 min read 21 Jun 2026

Car Finance

The True Cost of Owning a Used Car: What Nobody Adds Up Before They Buy

The purchase price is the number everyone negotiates. The total cost of ownership over three years is the number that determines whether the car was actually affordable. For most buyers, these two figures differ by thousands of pounds.

14 min read 20 Jun 2026

Car Finance

Voluntary Termination Car Finance UK: Your Section 99 Rights Explained

Once you've paid half the total owed on a hire purchase agreement, you have a legal right to hand the car back and walk away — no penalties, no early settlement charge. Most finance companies don't volunteer this information. Here's exactly how it works.

13 min read 17 Jun 2026

Car Finance

PCP vs HP Car Finance: Which Is Actually Better for a Used Car?

Most people pick between PCP and HP based on monthly payment. That is the wrong question. Here is what the numbers actually look like when you run them properly — and which deal suits a used car buyer who wants to keep the car.

15 min read 12 Jun 2026

Car Finance

How to Transfer Car Ownership: The V5C Guide That Covers Everything

The V5C isn't proof of ownership — it's a registration document. Understanding that difference, completing the transfer correctly, and knowing what to do when things aren't straightforward saves a significant amount of DVLA frustration.

12 min read 01 May 2026

Car Finance

Outstanding Finance on a Used Car: What It Means and How to Protect Yourself

Buy a used car with outstanding finance on it and the finance company can repossess it — even from you, even if you paid in good faith and knew nothing about the debt. This happens regularly. The protection UK law provides is narrower than most buyers assume.

13 min read 21 Apr 2026