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Car finance hub

Whether buying or leasing, subscribing, salary sacrificing or taking a car allowance, The Car Expert’s car finance advice can help get you get the best car for your budget.

Most people buying a new or used car will do so using some sort of car finance. The Car Expert provides independent and impartial information on every aspect of car finance.

The Car Expert gives you the knowledge you need to be able to make an informed decision about any finance agreement you are considering. You should always consider any finance offer carefully before signing a contract or agreement. The Car Expert does not provide specific advice on any finance quotation or offer.

What sort of car finance are you looking for?

Expert Partners

Looking for specialist finance solutions or an alternative to dealer finance on a new or used car? Our commercial partners can offer you a great deal.

The best car subscription providers

Ever thought about subscribing to a car rather than leasing it? We've just updated our list of the top car subscription providers in the UK.

Can I part-exchange my PCP car at another dealership?

The short answer is yes but let’s take a look at what you need to know before you part exchange your PCP car.

What will higher interest rates mean for car finance customers?

Given that most cars are heavily financed, there's a lot of concern from car buyers and owners about what higher interest rates will mean.

The best websites for used car finance

It pays to shop around for used car finance rather than accepting what the car dealer says. We look at the best sites around.

How does salary sacrifice work for employees?

One of the most popular ways of running a company car is through a salary sacrifice scheme, so we're looking at how it works.

Can I cancel my car finance on medical grounds?

What are your rights if you can't afford your monthly car finance payments because of medical issues? The Car Expert has the answers.

Best EV salary sacrifice providers

Salary sacrifice allows employees to drive a new EV for considerably less money than PCP or leasing. We highlight the best UK providers.

Complaints about car finance soaring

The number of complaints about car finance has soared over the last year, according to new data published by the Financial Ombudsman Service.

PCP car finance FAQs

The Car Expert has put together this list of PCP car finance FAQs to help you with questions about car finance that car dealers won't answer.

Car finance debt continued growing in 2022

It was another record year for car finance debt in 2022, but the data also shows electric vehicles are changing how new cars are financed.

The best websites for leasing a new car

If you're looking to lease a new car, which websites should you turn to? We've had a look at some of the best car leasing sites to help you.

What documents do I need for car finance?

When applying for car finance, you need to provide various information and documents so the finance company can assess your application.

Salary sacrifice: The ultimate employee benefit

A great incentive for an employer to offer, salary sacrifice is a tax-efficient way to provide non-cash benefits to employees (sponsored).

How salary sacrifice makes EVs cheaper

With salary sacrifice, it's possible to get a new EV for a similar price to a petrol car – and enjoy the lower running costs that go with it.

Car subscription services explained

Car subscriptions have exploded in popularity for people who don't want a traditional lease, so we have a look at how they work.

Endless growth in car finance threatens household budgets

The sheer scale of the UK’s car finance debt is a growing concern as the cost of living crisis puts households under unprecedented pressure.

Why you should consider car lease GAP insurance

Taking out a GAP insurance policy as part of your next lease provides a financial safety net, guarding against depreciation and other factors (sponsored).

How to avoid finance and leasing penalty charges

With most new cars funded through either PCP or contract hire, it's important that your car is in good condition when you hand it back.

Car finance: Voluntary termination of a PCP or HP

Voluntary termination is your legal right to cancel your PCP or HP car finance agreement in certain circumstances. The Car Expert explains how it works.

Personal Contract Purchase: the PCP explained

The personal contract purchase (PCP) is the UK's most popular type of car finance. The Car Expert explains everything you need to know.

Can you get a car subscription from a car dealer?

Clever software allows any car dealer to provide subscriptions on any of their vehicles, turning inventory into monthly revenue.

Four money-saving electric car lease tips 

If you’re considering an electric car lease deal, here are four money-saving tips to make your cash work harder (sponsored).

Car subscriptions – pausing and changing

If you want to stop and start a car subscription – perhaps while you’re out of the country – or switch between different types...

Can you sell your car if it has outstanding finance?

Trying to sell your car can be quite the hassle, and things certainly get confusing when the car has outstanding finance. Whatever your agreement, we talk you through your options.

These guys (and plenty of others) call us for analysis and comment on car finance issues:


Most car finance agreements in the UK are regulated by the Financial Conduct Authority, and anyone involved in the selling of car finance must be accredited by the FCA.

You should always consider the terms and conditions of any agreement carefully before taking out any form of car finance, as you are making a substantial ongoing commitment and there may be significant costs if you change your mind or are unable to meet your commitments at a later date.