Learning Centre

How is the price of a Hire Purchase calculated?

Find out how the price of your Hire Purchase is calculated...
How is the price of a Hire Purchase calculated?
When looking at different finance agreements, it’s important you know how the price of each is calculated. This will help you make an informed decision as to which finance agreement is right for you, and gives you complete transparency, so you know exactly what you are paying for.We think this is a really important aspect of your journey as a buyer, and it’s vital that you fully understand where your money is going.So, in this article, we’ll look at how the cost of a hire purchase is calculated, and what sort of things affect it. A hire purchase, as it’s a finance agreement, is calculated differently to a lease contract like a contract hire, for example...

Personal Contract Purchase vs. Personal Contract Hire

What's the difference between Personal Contract Purchase and Personal Contract Hire?
Personal Contract Purchase vs Personal Contract Hire
One of the biggest decisions you will make when it comes to choosing a new car is what sort of finance agreement you are going to get.We get asked quite a lot about the differences between personal contract purchase and personal contract hire. It’s understandable, they are quite similar. However, there are some key differences that could be the decider in which agreement is best for you. So, in this article we’ll be looking at what personal contract purchase is, what personal contract hire is, and the main differences between the two. What is personal contract purchase? Designed for private individuals, personal contract purchase offers more flexibility than other agreements...

What is Guaranteed Minimum Future Value?

We look into Guaranteed Minimum Future Value, also known as GMFV or a balloon payment
What is Gauranteed Minimum Future Value?
Guaranteed Minimum Future Value (sometimes also referred to as the GMFV, Optional Final Payment or Balloon Payment) is the amount that a car or van will be worth at the end of your contract term as calculated by your finance company.

How reliable is Land Rover?

We take a look at how reliable Land Rover and Range Rover are...
How reliabile is Land Rover
You can’t get much more British than a Land Rover or a Range Rover. The two have been on our roads for decades and still continue to be an incredibly popular brand, particularly after the release of the Range Rover Evoque and Range Rover Sport. However, their image of off-road ruggedness is damaged somewhat by constant reports of their reliability. But are they really as unreliable as reports suggest? In this article, we look at whether Land Rover and Range Rover are unreliable, and the most reliable and unreliable models. It should be noted that as the brand is Land Rover, we will mainly be referring to Land Rover but we do mean it as a generalisation and Range Rover is also included...

Can I guarantee I get car finance?

What can I do to make sure I get car finance?
How can I get guaranteed car finance?
If we’re being honest, there isn’t actually any way you can 100% guarantee car finance. However, this isn’t an article filled with doom and gloom because there are ways that you can increase your chances of getting a car finance application approved. In this article we look at the ways you can improve your chances, if you are a student, on benefits or have a low income.

Road trip tips

We give you some of our top tips for a safe and comfortable drive
Road trip tips for a safe and comfortable drive
Are you going on a road trip this year? Perhaps you're visiting family or friends, or just getting away for a holiday? Whatever it is, in this article we've put together some of our top tips for a safe and enjoyable trip. Whether you're going alone and need to avoid the stress of traffic jams, or with the family and you need to keep the children amused so there isn't a riot in the back seat.

What is Vehicle Excise Duty

Vehicle Excise Duty - also known as Road Tax can be confusing, we go into the detail...
Everything you need to know about Vehicle Excise Duty
Vehicle Excise Duty or VED is commonly referred to as Road Tax. A tax levied by the government to drivers which bring the UK government £730 million every year in revenue. Vehicle Excise Duty is collected by the DVLA, the government department that governs drivers on UK roads.

The ultimate guide to Company Car Tax

Everything you need to know about Company Car Tax...
The ultimate guide to company car tax
If you're considering getting a company car then it's likely you've come across the term Company Car Tax more than once.Company Car Tax is something that can be quite complicated. In this article we talk about the rules and regulations behind it, including how it's calculated and we go into some of the things you'll really want to know including how driving an electric company car may benefit you between 2020 and 2023.

Can I lease a car if I have bad credit?

In short, yes. Leasing a car with a poor credit history is now an option
Can I lease a car if I have bad credit?
So, you want to lease a car. The problem is you have a less than perfect credit score. Maybe you’ve paid one or two bills a bit late, which has resulted in a low credit rating and it feels like you’re never going to get the car you want or need. However, this isn’t always the case. There could be a chance that you can still lease a car. In this article we look at the things that can affect your credit score and the ways you can still lease a car if your credit score is less than ideal.

Can I have a private plate on my lease car?

What do I do if I want a private number plate on my lease car?
So, you've just ordered a brand new lease car and you're eyeing the private plate on your current vehicle - or you've found one you'd really like. Is it possible for you to put the plate on the vehicle you've just ordered?In this article we answer the question "Can I put a private plate on my lease vehicle", what the process is and also how you can buy a new plate. We also talk about insuring your private plate so that if your car was stolen, lost or written off you're aware of what happens next...
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