Finance is neither good nor bad — it is a price for time. The problem starts when someone looks only at the instalment and not at the total.
- Multiply the instalment by the term and add the deposit. That is the car’s real price.
- Subtract the cash price. The difference is what the finance costs you.
- Ask for every extra: arrangement fee, compulsory credit insurance, penalty for early repayment.
- Compare with your own bank, not only with the seller’s offer.
Our search lets you filter by monthly instalment. The assumptions — deposit, term, rate — are shown with it; they are not an offer, but they make the comparison honest.