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Car finance advice

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.

Car finance glossary

Our comprehensive glossary of car finance terms will help you understand what all that jargon means.

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Our top car finance articles

Personal Contract Purchase: the PCP explained

The PCP (personal contract purchase) is the most popular type of car finance. This guide tells you everything you need to know about PCP car finance.

Personal Contract Hire (PCH) explained

Personal contract hire (PCH) is a popular way of driving a new car. It is considered a viable alternative to a personal contract purchase (PCP).

Car finance: Voluntary termination of a PCP or HP

Voluntary termination is your legal right to cancel your PCP or HP car finance agreement in certain circumstances. The Car Expert explains how it works.

What are your options at the end of a PCP?

Many car buyers are confused about what their choices at the end of a PCP car finance agreement. We explain your options to help you make the best choice.

More car finance advice

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

One of the big problems in car finance is negative equity, and it can get you into financial trouble. But what is negative equity and why is it a problem?

Financial watchdog to crack down on rip-off car dealers

Car dealers are ripping off buyers on their car finance by more than £1,000 to pocket higher commissions, Britain’s financial watchdog has found.

Can I take out car finance for someone else?

Can you take out car finance in your name if the car is for someone else? This is called an accommodation deal, and it causes considerable confusion.

Reality check: Is Brexit making car finance more expensive?

Media reports in the last few days claim that Brexit is responsible for driving up the price of cars and the cost of PCP car finance. But is that actually true?

The ten golden rules for buying a car

Buying a new or used car? Follow these pearls of wisdom from The Car Expert and make sure you get the right car for the right price.

Car finance report 2018: record debt for new and used cars

Despite private new car sales falling more than 6% in 2018, it was yet another record-breaking year for car finance borrowing for both new and used cars.

The biggest motoring trends to look out for in 2019

Warranty Direct looks at the car trends set to hit the automotive industry in 2019. What will be the things that drivers are looking for this year?

Car finance debt continues to grow despite falling sales

Car finance debt increased in the third quarter of 2018, despite the number of new finance agreements falling in line with lower new car sales in September.

What documents do I need for car finance?

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.

Car finance debt breaking new records in 2018

Car finance borrowing for 2018 to date has smashed previous records, as new and used car buyers continue to borrow more and more money for their cars.

Car finance: How do I settle a PCP early?

Today we answer one of the most common questions about PCP car finance: What if I want to end my agreement and settle a PCP early?

How to avoid finance and leasing penalty charges

With most new cars funded through either PCP or contract hire, it's important that your car is in good condition when you want to hand it back.

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Disclaimer

Most car finance agreements in the UK are regulated by the Financial Conduct Authority, and anyone involved in the selling of car finance must be accredited by the FCA. You should always consider the terms and conditions of any agreement carefully before taking out any form of car finance, as you are making a substantial ongoing commitment and there may be significant costs if you change your mind or are unable to meet your commitments at a later date.