# Buying a car: should you go Hire Purchase, PCP or a loan from your bank?

Page: https://stenobird.com/podcast/better-with-money-7327459/buying-a-car-should-you-go-hire-purchase-pcp-or-a-loan-from-your-bank
Text version: https://stenobird.com/podcast/better-with-money-7327459/buying-a-car-should-you-go-hire-purchase-pcp-or-a-loan-from-your-bank.md
Podcast: [Better With Money](https://stenobird.com/podcast/better-with-money-7327459)
Published: 2026-07-28T04:00:00+00:00
Episode link: https://shows.acast.com/better-with-money/episodes/hire-purchase-pcp-or-bank-loan-whats-the-best-way-to-buy-a-n
Audio file: https://sphinx.acast.com/p/open/s/67fe6575ad69959fc242080d/e/6a6752c370e4dee289bf54a3/media.mp3
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Duration seconds: 2484

## Resource

This episode was first published in September 2025 so the prices quoted will reflect a time when Donald Trump hadn't started a war with Iran, the Strait of Hormuz was open and inflation wasn't as high as it is now. However the information is rock solid because Neil Briscoe is breaking down the different ways to buy a car; Hire Purchase, PCP or a personal loan from the bank. Which option is the cheapest, which is the best value and are they always the same thing? Neil has practical tips, highlights the importance of trade-ins and weighs up the advantages and disadvantages of leasing. Plus, he outlines the “shockingly enormous" savings you can make from going electric. Don't buy a car until you've heard this episode. Presented by Aideen Finnegan. Hosted on Acast. See acast.com/privacy for more information.

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## Transcript

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