No affiliate bias. No sponsored rankings. No hidden commissions. Just every deal from every manufacturer, sorted by what actually matters: how much you pay in total.
Enter a car price. See PCP, HP, and personal loan side by side. The monthly payment AND the total cost.
Total Amount Payable
£29,386.98
This is the total that leaves your account — deposit + all payments + balloon
Our scrapers pull live finance offers from every major manufacturer website in the UK. Full FCA representative examples, updated weekly.
Default sort: Total Amount Payable — not monthly payment (which hides balloon payments), not APR alone. The number that hits your wallet.
Our comparison tools show PCP, HP, and personal loans side-by-side with equity charts, ownership timelines, and scenario builders. No hidden agendas.
Ranked by Total Amount Payable — no exceptions
Manufacturer Finance
Total Cost
£14,142
Total amount payable
Monthly
£152
36 months
APR
0%
Representative
Final Payment
£4,343
Optional balloon
Ownership
Settlement
Flexible
Manufacturer Finance
Total Cost
£16,373
Total amount payable
Monthly
£156
36 months
APR
7.4%
Representative
Final Payment
£7,933
Optional balloon
Ownership
Settlement
Flexible
�7,500-�25,000
Zopa
Total Cost
£16,512
Total amount payable
Monthly
£344
48 months
APR
5.1%
Representative
Ownership
Settlement
Flexible
�7,500-�25,000
Barclays
Total Cost
£16,704
Total amount payable
Monthly
£348
48 months
APR
5.8%
Representative
Ownership
Settlement
Flexible
Our ranking algorithm is public. Default sort: Total Amount Payable. No exceptions, no overrides.
No deal gets boosted for paying us more. Position is earned by mathematics, not money.
Every deal shows the full FCA representative example. Balloon payments displayed at the same size as monthly payments.
Every deal links to its source. You can verify the data yourself. We show where it came from and when it was last checked.
The monthly payment tells you the cash flow impact. The total cost tells you the wealth impact. Our comparison tool shows both — side by side, for the same car.
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