Car finance advice

Expert Advice

Whether buying or leasing, The Car Expert’s car finance advice can help get you get the best car for your budget.

Most people buying a new or used car will do so using some sort of car finance. The Car Expert provides independent and impartial information on every aspect of car finance.

The Car Expert gives you the knowledge you need to be able to make an informed decision about any finance agreement you are considering.

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

Car finance glossary

30 September 2017

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

Our top car finance articles

Car finance advice

Personal Contract Purchase: the PCP explained

13 March 2020

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.

Car finance advice

Personal Contract Hire (PCH) explained

18 December 2017

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 advice

Car finance: Voluntary termination of a PCP or HP

2 February 2020

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.

Car finance advice

What are your options at the end of a PCP?

19 April 2019

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 buying advice

Can I take out car finance for someone else?

26 February 2020

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.

Car finance advice

Understanding your credit history and credit score

28 January 2020

If you've watched TV lately, you'll have seen loads of ads talking about your credit score. But what is a credit score, and how important is it really?

Car finance advice

Car finance: the early upgrade myth

4 November 2019

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.

Car finance news

New car finance rules set to save customers millions

16 October 2019

The Financial Conduct Authority (FCA) has announced stricter new car finance rules, which it says will save car buyers of the UK £165 million each year.

Car finance advice

How to understand a PCP car finance quote

10 October 2019

Thousands of people look at a PCP car finance quote and are hopelessly confused by all the different numbers. Cut through the confusion with this guide.

Car maintenance

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

2 September 2019

The popularity of PCP car finance has allowed car manufacturers to be sneaky in forcing you to have your car serviced by their dealers.

Car finance advice

Before you apply for car finance…

15 August 2019

Don't get sucked into a car finance agreement you can't afford. Here are a few simple tips you should follow before you sign your life away.

Car finance advice

The car industry needs to be more honest when selling car finance

2 July 2019

A story on BBC News has highlighted the public's lack of understanding when it comes to PCP car finance, as well as the futility of debating it on social media.

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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.

THE CAR EXPERTCar finance and buying advice