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Content in this article What each option actually is (in two lines) Ownership, mileage and end-of-term: key differences Which is cheapest? (illustrative) Salary Sacrifice made simple (EV example) The anatomy of payments (so you arent surprised) Mileage and depreciation: set this right at the start How to choose the best option for your next car […]

Content in this article Why battery warranty and residual value drive EV finance decisions Battery warranty basics in plain English What the warranty usually covers What it may not cover Older models and transferability Battery life, battery performance and what influences them Residual value 101 (and why its different for EVs) EV finance products compared […]

Content in this article What does fair credit mean to auto lenders? Your main routes (and what suits fair credit) Improve your chances of approval (and the rate you pay) 1) Tune your credit report (fast, legal wins) 2) Present affordability clearly 3) Shop lenders, not just cars New car vs used car with fair […]

Content in this article Where excess mileage fits in a Personal Contract Purchase What is an excess mileage charge on PCP? How your mileage allowance is calculated Worked example (illustrative) Does excess mileage matter if I buy the car? What counts as fair wear & tear? Common areas that attract charges if beyond fair wear […]

Content in this article Who this guide is for What are my options? Hire Purchase (HP) / Conditional Sale Lease Purchase (HP with Balloon) Business PCP (Personal Contract Purchase) Finance Lease Business Contract Hire (BCH) / Operating Lease Quick chooser table VAT, BIK and capital allowances (high-level, UK-focused) Documentation to Support a VAT Claim on […]

Content in this article What does early settlement mean and why does it matter? How lenders calculate your settlement figure Fees, charges, and penalties to watch for Will you save money by paying off early? Other factors to consider before settling early Differences between PCP, HP, and other types of finance PCP (Personal Contract Purchase) […]