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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) […]

Content in this article What Is Car Finance? Why Should You Compare Car Finance Deals? How Does Your Credit Score Affect Your Car Finance Options? What Types of Car Finance Are Available in the UK? Personal Loan Hire Purchase (HP) Personal Contract Purchase (PCP) Leasing (Contract Hire) How Do Monthly Payments Vary by Loan Type? […]

Content in this article What Is Hire Purchase (HP)? Key Features of HP: Example HP Deal: What Is PCP (Personal Contract Purchase)? Key Features of PCP: Example PCP Deal: What Is a Personal Loan? Key Features of Personal Loans: Example Personal Loan: What Are the Key Differences Between HP, PCP and Personal Loans? Which Option […]

Content in this article What Does a Car Finance Broker Do? Why Use a Broker Instead of a Direct Lender? How Do Brokers Match You to the Right Car Loan? Top Car Finance Brokers in the UK (2025) What Are the Pros and Cons of Using a Broker? Advantages Disadvantages What Documents Do You Need […]