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Compare car finance options including personal loans, hire purchase and PCP. Check APRs, terms and total repayable before you commit.
Finance types separated
Personal loan, HP, PCP and refinance
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Unknown facts stay unknown
Subject to status
Lender assessment required
Car Finance Finder
Choose how you want to finance the car, then tell us how much you need. We'll show compatible products from the providers we cover.
Ownership
You own the car
Comparing here is not an application. Rates and eligibility are subject to status and may change.
Ownership, mileage and final payments are not interchangeable.
Personal loan
HP
PCP
Refinance
Compare the total cost, not just the monthly payment
A longer term can reduce your monthly payment but increase the total amount you repay. With PCP, also consider the optional final payment and mileage limits.
Select how you want to finance the car, set amount and term, then press Show car finance.
Our methodology
We compare products using information published by lenders and providers — APR, deposit, term, total cost and key features — so you can weigh cost and structure side by side.
Full detail: Comparison Methodology.
Eligibility
Car finance approvals depend on creditworthiness, affordability and, for some products, the vehicle itself. Eligibility criteria vary by lender and finance type.
Meeting typical eligibility requirements does not guarantee acceptance. The lender assesses affordability, creditworthiness and, where relevant, the vehicle and finance structure.
Before you apply
Focus on total cost and affordability before a full application.
Review your credit score before applying.
Finance types
The same car can look cheaper monthly under one structure and cost more overall under another. Use this table to compare ownership, payments and end-of-agreement options.
| Comparison point | Hire Purchase (HP) | PCP | Personal loan |
|---|---|---|---|
| Ownership during the agreement | Usually the finance company | Usually the finance company | You (loan is separate from the car) |
| Deposit | Usually required | Usually required | Often not required |
| Monthly repayments | Typically cover cost + interest | Often lower than equivalent HP | Set by loan APR and term |
| Optional final / balloon payment | Not in the same way as PCP | Usually yes, if you want to keep the car | No |
| Mileage / condition limits | Usually none from the lender | Often apply if you return the car | None from the lender |
| At the end of the agreement | Ownership generally passes after all required payments and any purchase fee | Return (subject to terms), pay the final amount to keep it, or part-exchange where allowed | You already own the vehicle |
The cheapest option depends on APR, deposit, agreement length, fees, any final payment and what you plan to do with the vehicle. This is general information, not personalised advice.
Guides: Hire purchase · PCP · Personal loans
Costs
Do not compare deals on the monthly payment alone. A lower monthly figure can mean a longer term or a larger final payment.
Upfront amount paid towards the vehicle.
Example annual rate for comparison. The rate you receive may differ.
Regular amount due during the agreement.
Full cost across the agreement — deposit, repayments, interest and relevant fees.
Larger PCP payment that may apply if you want to keep the vehicle.
May include arrangement, option-to-purchase, excess-mileage or condition charges.
Credit checks
A soft eligibility check generally will not affect your credit score. A full application may involve a hard credit search. Soft checks do not guarantee acceptance. How credit checks work
Important information
General information only — always confirm current terms with the lender.
FAQs
Deposits, early settlement, mileage, credit applications and specialist situations.
Last reviewed: 9 September 2026
Product data last checked: 9 September 2026
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Illustrative estimates only — use before you shortlist a deal.
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