Compare Car Finance — Find a Low APR

Anúncios

How this page helps
  • Snapshot of car-finance options (PCP, HP, personal loan, lease). Scan the shortlist, then open details to compare representative APRs, fees and terms with partners. No applications here — we link to dealers, lenders and comparison sites.
  • Browse common UK car-finance types (PCP = lower monthly payments with a balloon; HP = you own the car at the end; personal loan = unsecured; lease = no ownership). Open details to check rep APR, fees, deposit, mileage limits and any optional final payment.
  • Quick car-finance overview. Start here, then view full details to compare total cost, flexibility (overpayments, early settlement) and eligibility on partner sites. No sign-up — just outbound links.

Quick tips before you click

  • Goal fit first: Pick between PCP, HP, personal loan or lease based on how you plan to use and keep the car. Compare total cost of credit (rep APR, fees, deposit, balloon/optional final payment) and term (longer terms lower monthly cost but increase interest overall).
  • Rate, fees & flexibility: “No-fee” isn’t always cheapest. Confirm whether the rate is fixed, check early-settlement/overpayment charges, mileage limits (PCP/lease) and excess mileage fees. Always compare the total repayable.
  • Eligibility softly: Use soft-search pre-checks and eligibility ranges before applying. Avoid multiple hard searches in a short period.
  • Affordability signals: Keep debt-to-income sensible, pay on time and stay on the electoral roll. Lower credit utilisation helps. For PCP/lease, budget for insurance, maintenance and road tax.

FAQs

They exist on PCP/HP from dealers, but often require a larger deposit, may be less negotiable on vehicle price, and PCP includes a balloon. Check the total repayable — “0%” doesn’t guarantee the lowest cost.

Each lender/dealer applies its own criteria (credit history, income, stability, deposit). Use eligibility/soft checks first; a full application triggers a hard search, which can nudge your score down briefly.

It depends on your goal and profile:nnPCP: lower monthly payments + GFV/balloon; watch mileage and condition on return.nnHP: you own the car at the end; no balloon.nnPersonal loan: buy outright; car not used as security.nCompare rep APR, fees, deposit, term, mileage/excess fees, total repayable and early-settlement flexibility.

Disclaimer

Information on this page is for general guidance only and not financial advice. Product details (e.g., representative APR, fees, limits, eligibility) are set by providers and may change without notice. Eligibility is subject to status and full checks by the lender. With PCP/HP/secured agreements, the vehicle may be repossessed if you don’t keep up repayments. Always review the provider’s terms, key documents and total repayable before applying, and consider independent advice if unsure.

​Dreaming big? Up to £50,000 with Lloyds Personal Loan – why not?

Read More

Admiral Personal Loan: Up to £40,000—your financial adventure

Read More

Fancy £50,000? Shawbrook Personal Loan—no dodgy deals required

Read More

Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.