CAR FINANCE COMPARISON
PCP vs HP vs cash calculator
Compare total cash, hire purchase and PCP payments including deposits and final payments.
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.
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
MoneyHelper: Car finance ↗COMMON QUESTIONS
Frequently asked questions
Is this an exact quote 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.