Car finance
Borrow, lease or pay cash? Work out the real numbers before you sign, and never be sold on the monthly payment alone.
Calculators
Guides
GAP Insurance Explained: Is It Worth It?
What GAP insurance covers, why the value gap exists after a write-off, who genuinely needs it, who can skip it, and what to check before you buy.
Read guide →How Car Loans Work: APR, Terms and Total Cost
How a car loan actually works: what APR really costs you, how the term changes the total, secured versus unsecured, and where to find the best rate.
Read guide →How Much Should You Spend on a Car?
How to set a sensible car budget: the 20/4/10 guideline, why running costs matter as much as the price, and how to avoid stretching too far.
Read guide →How to Refinance a Car Loan and Save Money
What refinancing a car loan actually does, when it saves you money and when it doesn't, how to do it step by step, and the costs to watch for.
Read guide →New vs Used Car: Which Is the Smarter Buy?
New or used? The first-year depreciation gap, when each option makes sense, the nearly-new sweet spot, and the real total cost over time.
Read guide →Paying Cash vs Financing a Car: Which Is Better?
Should you pay cash or finance your car? The case for each, the opportunity cost of your savings, and a sensible middle path most buyers miss.
Read guide →Should You Lease or Buy a Car? How to Decide
Lease or buy your next car? The honest case for each, how mileage and ownership change the maths, and how to run the numbers for your own situation.
Read guide →Car finance is where buyers lose the most money to small print. Start with the affordability calculator to set a sensible budget, confirm the payment with the loan calculator, and weigh ownership against a lease using lease vs buy.