Compare estimated PCP and HP finance costs using deposit, monthly payments and optional balloon payment assumptions.
PCP without balloon adds deposit and monthly payments.
PCP with balloon adds the optional final payment if you plan to keep the car.
HP adds deposit and monthly payments, then compares total paid with the selected PCP treatment.
No. Use quoted monthly payments from lenders or dealers for this stub.
Include it if you expect to buy and keep the car at the end of the agreement.
Cars
Compare PCP and HP car finance, including ownership, payments and final costs.
Read comparisonWith HP you are paying off the full car, so the vehicle is yours once the agreement is complete. With PCP you usually pay for the car's expected depreciation during the term, which keeps monthly payments lower, then choose whether to hand it back, part-exchange, or pay the final balloon payment to own it.
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Estimate fuel, charging and ownership costs for EV and petrol cars.
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Estimate hybrid and electric car running and ownership costs.
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Compare lease payments with buying and resale assumptions.
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