Independent UK guidance on premium used cars, salary-sacrifice EVs, warranty and specialist insurance.
PCP and HP for premium used cars, salary-sacrifice EV cost math, the FCA motor-finance redress scheme, and the credit-card deposit strategies UK buyers use on Amex Platinum, Barclaycard, NatWest and MBNA. Explainers cover positive and negative equity at PCP balloon, the conditions under which an early settlement actually saves money, and what the FCA’s discretionary commission rulings mean for live agreements. Where a finance product is named, the piece works through real-world numbers and ends with a clear rule of thumb. FCA regulated information is cited inline.
99 articlesHere's the figure that should stop you before you sign anything in 2026: on a Kia Sportage, like-for-like on the…
Kia Sportage Hybrid PCP: 5.9% APR representative and a £2,000 deposit contribution to 30 June 2026, and why the self-charging…
With free EV road tax gone and the £3,750 grant capped at £37k, here's why I'd lease , not buy…
Hidden PCP balloon interest adds £6,600 to a Kia Sportage's cost. Compare HP vs PCP before signing.
0% APR deal on Omoda 5 and Jaecoo 7 ends 30 June. Explore the risks and residual-value gamble before signing.
Learn about voluntary termination in car finance agreements, a key exit strategy in 2026 FCA redress scheme.
Carmoola's car refinance offers rates from 6.9% to 29.9% APR. Learn how the 28-day window affects your savings.
Compare car finance rates in 2026: Is locking in at 9.9% APR smart or overpaying? M&S Bank offers 5.7% for…
BYD Dolphin Surf's 0% PCP offer ends 30 June. Learn how the £249/month deal works and what waiting costs you.
The Advisory Electricity Rate is 7p a mile at home and 15p on the public network from 1 June 2026.…
Car FinancePCP or PCH for an EV in 2026? The finance choice that quietly costs you thousands
ComparisonsUsed Audi A6 vs BMW 5 Series vs Mercedes E-Class: which executive saloon I’d actually buy
ComparisonsBMW X3 vs Audi Q5 vs Volvo XC60: the used premium SUV I’d actually buy in 2026
Car InsuranceModified car insurance in 2026: how to insure without overpaying (or voiding your cover)
EVsBYD Sealion 7 UK review: the £44,990 Chinese EV that makes the Model Y explain itself
EVsDeal of the Day: Cupra Tavascan salary sacrifice in 2026
NewsVauxhall and Opel recall UK 2026: the affected models explainedCar Deal Expert — independent UK automotive publisher since 2008.
