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You've found the car you want to get but now for the difficult part, what's the best way to pay for it. For a minority the answer is easy - hard cash, but for most of us the reality will be some form of finance arrangement.

Both large and independant dealers will offer a choice of finance for purchasing your next car. It may be a straightforward loan which your after, this can be paid back over a period of time. Alternatively you may be happier to keep your costs lower and use a Personal Contract Hire scheme whereby you pay off half of the vehicle and have the option to trade it in after 3 years or pay off the remaining balance.

Loans are available from bank and building societies and can offer you a range of options for secured or unsecured borrowing. An unsecured loan is not backed by any security and will typically have a fixed rate of interest.





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