Car Finance
Why Your Car Finance Quote Says 9.9% When the Base Rate Is Only 3.75%
Discover why car finance rates like 9.9% APR differ from the Bank of England's base rate of 3.75%.
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Car Finance
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.
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Car Finance
Volvo EX30 0% APR or the cash discount? The 50% deposit catch that changes the maths
Compare Volvo EX30 0% APR financing with cash discounts. Learn about the £1,675 finance contribution catch for Plus/Ultra trims.
Car Finance
Deal of the Day: BMW X5 xDrive40d, the diesel that still adds up
The BMW X5 xDrive40d costs around £85,000, finances from about 4.9% APR on BMW Select and returns 37-39mpg. Who the…
Car Finance
Company car fuel benefit vs EV charging benefit in 2026/27: the UK tax gap that costs petrol drivers thousands
£8,760. That is what HMRC will bolt onto a company saloon driver's taxable income in 2026/27 for the privilege of…
Car Finance
Company car tax 2026/27: the new BiK bands for electric and PHEV explained
Company car tax 2026 explained: EV benefit-in-kind is just 4%, a petrol saloon over 30%, PHEVs jump to 18% from…
Car Finance
PHEV vs EV company car tax in 2026: which BIK rate actually wins?
If you are signing a company car order this summer and weighing a plug-in hybrid against a full electric, the…
Car Finance
Refinancing Your Car in 2026: When UK Drivers Should Switch a PCP or HP Deal — and When to Sit Tight
I spend a lot of my week reading rate tables, and the spread that has stuck with me this spring…
Car Finance
Balloon Payments and EV Depreciation in 2026: The PCP Risk UK Drivers Must Understand
When the Financial Conduct Authority confirmed its motor finance redress scheme in 2026, the headline numbers did most of the…
Car Finance
Polestar 4 on salary sacrifice in 2026: the higher-rate taxpayer’s verdict
I've spent the past fortnight running the numbers on the Polestar 4 because a reader emailed me a screenshot of…
Car Finance
Volkswagen ID.7 on salary sacrifice in 2026: does the electric estate stack up for UK company-car drivers?
I've spent the better part of this tax year talking company-car drivers off the ledge of a bad decision, and…
