Car finance - Plain-English explanations and advice for financing or leasing your next car

Car finance

Plain-English explanations and advice for financing or leasing your next car

Most people buying a new or used car will do so using some sort of car finance. Whether buying or leasing, The Car Expert can give you the right advice and help get you get the best car for your budget. 

The Car Expert provides independent and impartial information on any aspect of car finance.  You should always consider any finance offer carefully before signing a contract or agreement.

The Car Expert does not provide specific advice on any finance quotation or offer.  The purpose of this site is to give you the knowledge you need to be able to make an informed decision about any finance agreement you are considering.

Most car finance problems arise from customers not properly understanding the contracts they are signing.  If you do not understand or are not comfortable with any aspect of the agreement, do not sign until you do understand and you are 100% comfortable.

KEY CAR FINANCE ARTICLES YOU SHOULD READ

Car finance glossary

Car finance glossary (The Car Expert) 2016
The Car Expert has put together this comprehensive glossary of car finance terms to help you understand exactly what all the jargon means.

Car finance: the PCP explained

Car finance, PCP, personal contract purchase, car dealer
What is PCP car finance? Here is the most comprehensive guide to the PCP (personal contract purchase) anywhere on the internet.

Car finance jargon confuses UK drivers

Car finance jargon confuses British drivers
Despite over three-quarters of new car sales being financed through manufacturer and dealer finance agreements, it is disturbing how few people really understand what they are signing up to.

CAR FINANCE ARTICLES AT THE CAR EXPERT

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    Car buyers are taking on ever-increasing finance debt

    Car buyers taking on more and more finance debt

    As the issue of car finance mis-selling bounced back into the media this week, latest car finance results show that buyers are taking on increasing debt.
    Volkswagen Golf GTI

    Volkswagen looks to keep Golf on top with new offer

    Volkswagen is hoping to keep the Golf at the top of the UK sales charts for another month or two with a new PCP finance offer from Volkswagen Finance.
    Shock! Horror! Car dealers are dodgy!

    Shock – car dealers found to be dodgy!

    There was shock and amazement today as a front-page story in a national newspaper accused car dealers of being less than honest with their customers.
    Suzuki new Swift PCP finance offer June 2017

    Suzuki announces finance and loyalty offers on new Swift

    Suzuki has announced new personal finance and loyalty offers to support the launch of the all-new Swift range, which went on sale in the UK this week.
    Car finance borrowing results for April 2017

    Volumes down but values up for car finance borrowing

    Latest car finance results show that buyers continue to borrow more money on their cars, although the number of loan agreements fell in line with car sales.
    MG MG3 low deposit finance offer (The Car Expert)

    MG offers 0% finance on MG3 range

    MG Motor UK is currently offering 0% finance on selected finance agreements for the MG3 range until the end of June.
    Fiat Chrysler Automobiles moves into personal contract hire market

    Fiat brands move into personal contract hire market

    Fiat's finance arm has begun offering personal contract hire (PCH) packages on selected Fiat, Alfa Romeo and Jeep models from its dealerships.
    The Bank of England has opened an investigation into the car finance sector

    Why the Bank of England is looking into the car finance market

    Why has the Bank of England recently decided to open an investigation into the UK car finance market, and what is it looking for?

    PCP car finance debate highlights widespread media confusion

    With all the noise about PCP car finance in the media, it's amazing to see how many major media institutions fundamentally misunderstand how a PCP works.
    PCP car finance in crisis? (The Car Expert)

    Is the sky really about to fall in for PCP car finance?

    The media is reporting that tougher rules on selling PCP car finance could be disastrous for the car industry, but what would it mean for car buyers?
    Car finance - the negative equity problem (The Car Expert)

    Car finance: Negative equity and why it’s a problem

    One problem car buyers often get caught out by with regard to their car finance is negative equity, and it can get them into financial trouble. But why?
    Follow The Car Expert's Ten Golden Rules for Buying a Car

    The ten golden rules for buying a car

    After much requesting, here are The Car Expert’s Ten Golden Rules on buying a new or used car. Follow these pearls of wisdom and you are will end up with the right car at the right price.
    Jaguar XF-R leasing options

    Buying a car or leasing: which one is for you?

    Should you buy or lease a car? We’ve summarised the top reasons for both buying and leasing a car – hopefully it will help you decide what's best for you (sponsored post).
    The car dealership experience is not a lot of fun for most people

    Why does buying a car have to be so unfriendly?

    If you’ve ever walked into a car showroom, you'll know that buying a car is quite different from shopping in any other retail environment #AskTCE
    Car finance glossary (The Car Expert) 2016

    Car finance glossary

    The Car Expert has put together this comprehensive glossary of car finance terms to help you understand exactly what all the jargon means.
    PPI claims for PCP car finance may be coming soon

    PPI lawyers to target PCP mis-selling?

    Now the PPI gravy train is nearing the end of the line, claims lawyers may be turning their attention to the potential mis-selling of PCP car finance.
    Car finance, PCP, personal contract purchase, car dealer

    Car finance: the PCP explained

    What is PCP car finance? Here is the most comprehensive guide to the PCP (personal contract purchase) anywhere on the internet.
    Fancy an Audi A6 company car for your start-up business?

    Car leasing advice for start-up businesses

    If you have a start-up business, you probably don't have spare cash to drop on a new car. However, leasing may be a viable option in certain situations.
    Car finance: the Hire Purchase (HP) explained

    Car finance: the Hire Purchase explained

    The hire purchase (HP) is a car finance product sold by car dealers that is fairly straightforward to understand and manage. The Car Expert explains how it works.
    Car finance: the PCP early upgrade myth

    Car finance: the early upgrade myth

    Have you had a call from the car dealer with the "good news" that you are eligible for an early upgrade on your PCP? It may be good news for the dealer, but not necessarily for you.
    What are the servicing requirements of a car with PCP car finance?

    Do I have to service my car with the dealer if I have a PCP?

    The popularity of PCP car finance has allowed car manufacturers to be sneaky when it comes to forcing you to service your car with their dealer network.
    Car finance jargon confuses British drivers

    Car finance jargon confuses UK drivers

    Despite over three-quarters of new car sales being financed through manufacturer and dealer finance agreements, it is disturbing how few people really understand what they are signing up to.
    Identification documents - UK Driving Licence and Passport (The Car Expert)

    What documents do I need for car finance? #AskTCE

    When applying for finance for a new or used car, you will need to provide various information, documents and proofs of identification to the finance company so they can assess your application.
    The Car Expert has lots of impartial information about car finance

    Car leasing – where to start?

    Leasing options can vary from one company to another, and the contractual jargon can be complicated and confusing. To ensure you’re well informed when it comes to leasing a vehicle, here are some key points to remember (sponsored post).

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