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Home » Car finance – what you need to know | Top10s finance or buy a car

Car finance – what you need to know | Top10s finance or buy a car



A huge number of UK buyers choose to fund their dream cars through a finance deal. With so many ways to finance a car, how do you work out which works best for you? In this Top 10 guide, I sift through the acronyms to explain each of the methods available, and the pros and cons of each.

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Car finance - what you need to know | Top10s

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Car finance – what you need to know | Top10s
finance or buy a car
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41 thoughts on “Car finance – what you need to know | Top10s finance or buy a car”

  1. Wake up and save your money every month 🙏

    Reliable £1500 car like a VW Passat TDI 2007-2010 won't let you down,

    Car finance means less money for you EVERY SINGLE MONTH just to impress a person at a stoplight you will never meet😂🙈🙈🙈

  2. I live in the United kingdom London and I am a happy woman today? I told myself that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for a loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them via WhatsApp +14357764622 or email ([email protected])

  3. As the saying goes "stick within your means". I don't understand people who get themselves into finance deals to keep up appearances. I'd rather be proud of what I can afford and not lose money through leasing (renting) or regular interest payments.

    I understand it if a person is well off, otherwise just stick to what you can afford. If you don't like your current reality, work to change it.

  4. My Tips Buy a personal plate 2 Buy a used car from main dealership with warranty 3 keep extending warranty 4 Buy with Hire Purchase and run the car for five years THe result you own the car have no penalties and you will not lose a fortune you drive a new car out of the Garage I have ran some beautiful cars like this and its never failed me yet with a good deal

  5. If you have good credit rating, my advice is use a bank loan every time. A bank loan is cheaper APR and the car is yours to sell whenever you like.

  6. Hey!

    This video was simply amazing I love it! I make automotive compilation videos on my channel and I was just wondering if I could use 30 seconds or so of this video on one of mine. Now Don’t worry, the source of your video will be linked in the description and your channel name will be on the video itself in the top left corner. I hope to hear from you soon. Thank you for your time!

  7. Interesting that you didn't talk about the risks of PCP and ending up with negative equity, or the fact that dealerships get insane bonuses for pushing people towards PCP over leasing.

  8. DON’T ‘buy’ what you cant afford full stop period. Those saying oh Finance is just spreading the cost and we still got the cash blah blah blah. What about the interest your paying? What about the restrictions? Let alone the penalties.

    This is why young people don’t get the concept of ‘hard work’ because they can get what they want on finance and credit.

  9. Buy a 2 year old car with cash savings and cheap loan from bank. Pay loan over 4 years, and the monthly cost is lower than the cost of new car on PCP. Then sell your car after 4 years and use the money for the next car.

  10. Brought a car from private dealer who applied finance for me. I have the car and passed finance. Now 5 days in i dont want it. Can i give car back and the finance money?

  11. Finance ? You get to drive a nice care that makes you feel special and happy, it’s warranted for a few years ( peace of mind) it’s new so very rare do they break down, and the alternative to finance? You splash out a few thousand for a used car, spend on expensive parts that may need replacing, if the gearbox or engine pack up, all the money invested in that used car will be wiped out. ☺️always financed mine, and @ roughly £2400 per year I can travel in reasonable style and with peace of mind, knowing that it’s a newish vehicle with warranty.

  12. What's with all these "cash only – live within your means" comments. Don't people know how the world works? Also using credit and finance sensibly is sometimes wiser than not using it at all. What do you guys think a mortgage is? You don't save first and then buy a house. Also – let people live their life how they want to. If they want to get a brand new car then let them. I've seen people get an older car and spend all the money they're supposedly saving in the garage fixing things every other month.

  13. Massive fan of cars in love with them but however you look at it; buying in cash, finance or even lease… cars depreciate and cars break down. Whatever the scenario do what makes you happy so long as it’s in your means to do so.

    Not saying get into car debt for happiness 😊

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