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.
60 articlesPremium car finance over £100,000: how PCP, HP and private-bank lending compare, with a worked £100k example and the balloon…
A premium car finance deposit at 10%, 20% or 30% on a £50,000 car: what each level does to your…
Part-exchange with outstanding finance: who owns the car, the settlement figure, equity, and dealer vs private sale, with a worked…
Self-employed premium car finance in 2026: how lenders assess sole traders and company directors, proof of income, HP vs PCP…
Hire purchase on a used premium car: deposit, fixed term, no balloon, you own it at the end. The HP…
Business contract hire vs personal lease for a UK director: BCH reclaims 50% VAT and a 4% EV BiK can…
Personal loan vs PCP on a £32,000 used BMW 5 Series: the loan is about £584/month, PCP about £387, but…
Representative APR only reaches 51% of accepted buyers, so your real car finance rate can top a 9.9% advert on…
Early settlement car finance on a premium £40-60k PCP or HP: how the figure works, the Consumer Credit Act rebate,…
FCA motor finance redress is now in the Upper Tribunal: what the legal challenge changes for the 12.1m agreements and…
Car Deal Expert — independent UK automotive publisher since 2008.
