Global Automotive Commerce
Vehicle Finance
See loan and lease options from third-party providers side by side, with the costs that matter explained — then decide whether to continue with a provider.
4 provider records · payments estimated from your assumptions using each provider's stated rate — not offers
Example Auto Lending Ltd · Hire purchase
Not included in cost sorting — costs aren't complete or fixed.
Subject to status. Fee schedule not supplied in current record.
Last validated 7 Oct 2026 · valid until 31 Oct 2026
Example Bank plc · Personal car loan
Subject to status. Existing current-account holders may see different rates.
Last validated 9 Oct 2026 · valid until 20 Oct 2026
Example Credit Union Ltd · Car loan
Not included in cost sorting — costs aren't complete or fixed.
Variable rate. Membership required. Future payments may change.
Last validated 8 Oct 2026 · valid until 31 Oct 2026
Example Motor Finance Ltd · Hire purchase
Subject to status. UK residents 18+. Vehicles up to 10 years old at end of agreement.
Last validated 10 Oct 2026 · valid until 31 Oct 2026
SponsoredPaid placement — shown separately and not part of the order above.
Example Dealer Finance Ltd · Personal contract purchase
PCP includes an optional final payment (balloon). Excess mileage charges apply.
Last validated 10 Oct 2026 · valid until 31 Oct 2026
Understanding the figures
Default order is alphabetical by provider — not a recommendation. You can sort by total payable or monthly cost, but only options with the same basis and complete costs are sorted. Variable-rate products can't show a fixed total. Sponsored options are labelled and shown separately; payment never changes the order.
Finance Disclosures
DriverXtra is a trading name of Zoiko Mobility Inc., a Zoiko Group company. DriverXtra is not a lender and does not provide credit or financial advice. Finance and leases are provided by the third-party providers named on each option, subject to status, their eligibility criteria and terms. Providers make all decisions and issue all documents.
Figures marked "representative" or "indicative" are supplied by providers and may not reflect the terms you're offered. Payment estimates calculated from your assumptions are illustrative and are not offers. Comparing options on DriverXtra is not an application and doesn't involve a credit check.
Read the full finance disclosuresExample provider data for design review. Regulatory status statements must be confirmed by Legal for each market before launch.
Vehicle finance questions
Loans, leases, APR and what happens when you continue to a provider.
No. DriverXtra helps visitors understand and, where available, compare vehicle financing from third-party regulated providers. Those providers determine finance products, rates and approvals.
You can view both, but they're shown separately. A lease is a rental, so its costs aren't comparable to a loan's APR or total payable.
No. Comparing options here isn't an application and doesn't involve a credit check. A provider may run one if you apply with them.
The Annual Percentage Rate — the yearly cost of borrowing including interest and required fees, so different loans can be compared on the same basis.
Different rates, terms, fees and structures. A PCP, for example, has lower monthly payments because an optional final payment is left to the end.
No. Figures marked “representative” or “indicative” come from providers and may not be the terms you're offered. Estimates from your assumptions are illustrative.
Arrangement and admin fees, option-to-purchase fees, early-settlement charges and, for leases, excess-mileage and end-of-contract charges.
Providers may not cover your market or vehicle. You can still use the payment estimate, which is illustrative only.
Yes, where providers offer it. Some limit the vehicle's age or mileage — check each provider's notes.
Alphabetically by provider by default — not a recommendation. You can sort by total or monthly cost, but only options with complete, fixed costs are sorted. Sponsored options are shown separately.
With a loan you own the vehicle once it's paid off. With a lease you pay to use it for a set term and mileage, then return it.
The provider you apply to. They make all decisions, issue all documents and handle complaints under their regulator's rules.