car finance uk

The Car Finance UK category explains different vehicle finance options including PCP, HP, leasing, loan rates, and credit approval methods. We help readers compare plans, understand interest costs, and choose the best deals for their budget. Whether buying new or used, our guides make car finance simple with breakdowns, pros and cons, and money-saving tips tailored to UK drivers.

Finance

What Is the Difference Between HP and PCP? A Practical Guide

Byemily harrington December 25, 2025December 25, 2025

Choosing car finance often feels like standing at a crossroads. One road leads to Hire Purchase (HP). The other leads to Personal Contract Purchase (PCP). At first glance, both routes look similar. However, they take you to very different destinations. So, what is the difference between HP and PCP, and which option suits you best?…