Car finance
PCP, HP, Lease — side-by-side
Plain-English car finance comparison with representative UK APRs. No personal data, no soft search — just the maths.
PCP
APR 9.9%Lower monthly, balloon at end
£326
per month
Per day
£10.71
Per week
£75.02
Per year
£3,912
Total payable
£25,247
Interest
£5,247
Final balloon
£7,600
HP
APR 11.9%Own it at the end
£473
per month
Per day
£15.54
Per week
£108.89
Per year
£5,678
Total payable
£24,710
Interest
£4,710
Lease (PCH)
APR 7.9%Hand back at the end
£349
per month
Per day
£11.47
Per week
£80.36
Per year
£4,190
Total payable
£18,761
Interest
£0
Where to get finance
FCA-regulated UK brokers. Representative APR varies by lender, term and credit profile.
| Broker | Product | APR from | Notes | |
|---|---|---|---|---|
| Zuto | Used car finance (HP / PCP) | 9.9% | Soft credit check, 30+ lenders, all credit profiles. | Visit |
| CarFinance 247 | HP / PCP | 10.9% | Whole-of-market, FCA regulated, instant decision. | Visit |
| Moneybarn | Subprime HP | 24.9% | Specialist for adverse credit. Higher cost — read terms. | Visit |
| LeaseLoco | PCH (personal lease) | 7.9% | Compare 1000s of new-car lease deals across UK brokers. | Visit |
Expert Car Check may earn a commission from broker referrals. APRs shown are representative and subject to status. Always check the lender's full terms. We are not a credit broker or lender.