Car Finance
Personal loan vs PCP for a used premium car
Personal loan vs PCP on a £32,000 used BMW 5 Series: the loan is about £584/month, PCP about £387, but…
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Car Finance
Updated 23 July 2026. PCP and HP for premium used cars, salary-sacrifice versus retail EV finance, early settlement maths and the FCA motor-finance redress path. Primary references: FCA PS26/3, FCA car-finance complaints guidance, Consumer Credit Act sections 99 and 100, plus GOV.UK company-car tax pages for the BiK leg. Start with negative-equity voluntary termination, sacrifice-versus-PCP, early settlement and pure-EV BiK rates 2026/27. Featured reading: PCP negative equity 2026: voluntary termination checklist · Salary sacrifice vs PCP EV 2026 · Early settlement on premium car finance 2026 · Company-car BiK rates 2026/27 for pure EVs
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Car Finance
Representative APR vs your real car finance rate in 2026
Representative APR only reaches 51% of accepted buyers, so your real car finance rate can top a 9.9% advert on…
Car Finance
Early settlement on premium car finance: the real maths
Early settlement car finance on a premium £40-60k PCP or HP: how the figure works, the Consumer Credit Act rebate,…
Car Finance
FCA motor finance redress: the legal challenge explained
FCA motor finance redress is now in the Upper Tribunal: what the legal challenge changes for the 12.1m agreements and…
Car Finance
PCP positive equity: using it as a deposit on your next premium car
PCP positive equity can become the deposit on your next premium car. How the GFV gap builds, how to check…
Car Finance
Guaranteed future value PCP explained: GFV and the balloon on a premium car
Guaranteed future value PCP explained: how the GFV balloon is set, a worked £58,000 Range Rover example at 7.9% APR,…
Car Finance
PCP refinance premium car 2026: keep the car when the balloon bites
PCP refinance premium car maths for 2026: how to spread a £43,278 Range Rover Sport balloon at a representative 10.9%…
Car Finance
Personal contract hire premium car: how PCH works in 2026
Personal contract hire premium car explained for 2026: how PCH leasing works, how it differs from PCP and HP, plus…
Car Finance
Lease purchase vs PCP for a premium car 2026: which route actually costs less
Lease purchase vs PCP on a £55,000 premium car: PCP runs roughly £99 a month cheaper at our rates, but…
Car Finance
0% APR vs deposit contribution on premium car finance 2026: which deal wins
0% APR vs deposit contribution on premium car finance: a worked £57,475 example shows when each wins, the total cost…
