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Car finance

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Guide 5 months ago

Great cars on PCP deals

The PCP – or Personal Contract Purchase – is a very popular way of buying a new car. Here are some of the best cars you can buy on a PCP deal.
Guide 8 months ago

Buying a car using a Personal Contract Purchase (PCP)

PCP is a type of car finance. You pay an initial deposit, followed by lower monthly instalments for the remainder of the term, to pay off a proportion of the loan amount. At the end, you have the option to pay a large final payment to clear the remaining balance and own the car outright, or hand it back, or exchange it for another car.
Guide 5 months ago

How do I lease a car using contract hire (PCH)?

This is a method of leasing rather than getting finance to buy, but it’s still a way of getting a new car for affordable monthly payments. You pay a deposit and monthly instalments, both of which tend to be lower than with HP or PCP, but never own the car. At the end of the agreement, hand it back, or sign up to another agreement.
Guide 5 months ago

Bad credit car finance

If you’re looking to buy a new car, but your credit score isn’t very good, there are still potential options out there for you.
Guide 6 months ago

Car leasing and PCH (Personal Contract Hire)

Is PCH (Personal Contract Hire) right for you? In this blog, Auto Trader explore how PCH works, what you’ll pay and how, how PCH and PCP compare, and answer your FAQs.
Guide 1 year ago

Buying a car using Hire Purchase (HP)

A way of buying where you pay a deposit up front, then pay off the rest of the balance – plus interest – in equal monthly instalments. The repayments are comparatively high, but don’t change until the end of the agreement. Provided you keep them up, you will know exactly how much you are paying, and for how long. The car is yours at the end of the agreement.
Guide 1 year ago

Applying for car finance

If you’re thinking about buying a car on a finance agreement, find out everything you need to before committing to a contract.
Guide 1 year ago

Car finance explained

If you’re trying to get your head around car finance, and you don’t know your balloon payments from your monthly instalments, and your PCPs from your PCHs, let us help you understand them.

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Erin Baker
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Erin spent most of her career as a motoring journalist on The Daily Telegraph. Still enjoys fast cars, but spends most of her free time driving round four kids in a SUV.
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Ivan has been testing cars and writing reviews since 2000. There aren't many motors out there that he hasn't driven.
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A journalist since 2001, Phill spent more than a decade testing cars in the UK and abroad, working for Autocar, Fleet News and Evo Middle East.
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Rachael has been a journalist since 2012, covering all aspects of the motor industry. She manages and writes Auto Trader’s content.
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