Vehicle Finance Hub

Vehicle finance, explained plainly

Independent guides to financing a car, van, pickup, motorbike or motorhome in the UK. No lender, no broker, nothing to sell.

Choose your vehicle

Choose your vehicle

CarsHow HP, PCP and balloon HP work, what lenders check before they lend, and your options if your credit history isn't perfect.Explore car finance VansHP, lease purchase and leasing, for businesses, sole traders and personal buyers.Explore van finance PickupsHP, lease purchase and PCP, plus the 2025 tax changes for double cabs.Explore pickup finance MotorbikesPCP, HP and loans, and the costs to budget for beyond the payments.Explore motorbike finance MotorhomesHP over up to ten years, lease purchase for lower payments, and the running costs to plan for.Explore motorhome finance

What we do

We explain how vehicle finance works in the UK, in plain English. Our guides cover:

  • How each type of agreement works, with worked examples of the real cost
  • What lenders look at, and honest guidance if you have poor credit or receive benefits
  • Your rights, including paying off an agreement early or handing the vehicle back

Why we do it

Most of what you find when you search for vehicle finance is written by companies that want to sell you a deal. We’ve worked in UK vehicle finance, so we know how agreements work and where people get caught out.

This site puts the costs, risks and rights in plain view, so you can make your own decision. Read more about who we are and how we write.

Start with the questions people ask us most.