Compare total cash, hire purchase and PCP payments including deposits and final payments.. It is designed to answer the common UK search intent for this topic with the key assumptions shown clearly.
CAR FINANCE COMPARISON
PCP vs HP vs cash calculator
Estimated result
£30,000
- Cash total
- £30,000
- PCP ownership total
- £31,800
- HP ownership total
- £32,760
- Lowest total
- Cash
Compare like for like: PCP mileage/condition charges, maintenance, interest on savings and vehicle value are excluded.
Compare total cash, hire purchase and PCP payments including deposits and final payments.
Compare total cash, hire purchase and PCP payments including deposits and final payments.. It is designed to answer the common UK search intent for this topic with the key assumptions shown clearly.
A worked example helps users compare the result against their own numbers and see why a headline rate does not always produce the same cash outcome.
- Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
- One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
- Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 1 September 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
Source line: Source links are kept visible and the method is reviewed for the current UK release.
MoneyHelper: Car finance ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Is this an exact lender, payroll or tax return?
No. It is an estimate based on the inputs and assumptions shown.
When was this checked?
The method and linked official guidance were reviewed for the current UK release.
Can the result change later?
Yes. Rate changes, source updates and personal circumstances can change the output.