Ok, sorry for alienating lots of the board by only asking for Brits. This is a two-fold thread. A) Being a Londoner, I am only now learning to drive and may, indeed, have to purchase a car at some point soon and need some financing advice. B) In real life I'm a mild-mannered reporter for a car magazine (ironic, huh). We're running a piece this month on customer experiences of car finance. So, right and therefore: Has anybody here bought a car on finance in the last 18 months? If so, what did you go for - HP, PCP, lease, loan? - and, most importantly, how much did you feel you understood about the process and your options? Cheers for any help!