Welcome to Compare100.com, where you can easily compare UK car finance in one place. Whether you’re buying your next car, upgrading to something newer, or trying to reduce your monthly payments, we help you compare finance options side-by-side. Check PCP, Hire Purchase (HP), and car loans, then compare by APR (interest rate), deposit, term length, and the total amount repayable. Importantly, we focus on the real cost of finance, so you can choose a deal that suits your budget now and your plans for the car later.
Quick tip: Always compare the total repayable, not just the monthly figure. A “cheap” monthly payment can still cost more overall if the term is longer or fees are higher.
Compare UK loans | Cars for sale | Sell your car
With UK car finance, comparing APR, total repayable, and contract terms can help you avoid overpaying and choose the right option for your budget.
How to choose the right UK car finance deal
Ultimately, the best UK car finance deal is the one that balances monthly affordability, total cost, and flexibility. Use the checklist below to choose confidently:
- Pick the right finance type:
- PCP: Often lower monthly payments, with the option to hand the car back, swap it, or pay the final balloon payment.
- HP: Straightforward payments and you own the car at the end once the final instalment is paid.
- Car loan: You usually own the car from day one, then repay the loan over time.
- Compare APR and total repayable: Next, check interest rate, fees, and the full amount you’ll repay across the term.
- Choose a sensible deposit: A larger deposit can reduce interest and monthly payments, but keep cash aside for insurance and running costs.
- Match the term to your budget: Longer terms can lower monthly payments; however, they often increase the total cost.
- PCP checks: Also review mileage limits, condition rules, and the final balloon payment if you may want to own the car.
- Early settlement: Finally, check whether you can settle early or overpay without heavy charges.
For independent, government-backed guidance on car finance, see MoneyHelper’s advice on buying and running a car and their guide to PCP car finance.
