What Do We Do?

Our 'Lease or Buy' analyser will compare instantly the cost and cash-flow impact to you of buying outright vs leasing, personal contract hire (PCH), personal contract purchase (PCP) and hire purchase.

By blending information about your savings with finance calculations we can work out whether or not you should buy your next new car from savings or use finance.

Taking account of monthly finance payments, your savings/investment interest rate and your rate of tax we can calculate the cost and cash-flow impact of using finance rather than buying outright.

If it's cheaper and more cash-efficient to buy outright we'll tell you. And if you could be better off using a finance plan, or if you can't afford to pay cash, we'll work out the best finance from the products we offer.

Getting Started

Your Personal Profile

To begin you'll need to set up some information about you.

How much data you need to provide will depend on whether you have the savings available to pay cash for the car.

If you don't have the savings available to buy outright then we just need some details about your preferences for finance repayments.

In other words, we need to know if the total cost of finance or the lowest monthly payment is more important to you.

If you do have the savings then we'll look at whether it could be better to use your savings to buy the car or use finance instead.

We'll need some extra data to do that, but we'll take you through what's required step-by-step, mainly information about the savings or investment return you could get on your spare cash and whether you pay tax on your savings.

This is to calculate the effect on you of tying up your savings in a car rather than using finance for it.

If there's any information you're not sure about then just use the example data we provide - you can always go back and change the details at any time.

We won't keep any personal data you provide. Once you leave our site and close the browser window the data will be erased from our servers, but remember that your web browser may keep browsing data for a period of time and this is beyond our control.

If you leave your computer, tablet or phone for a while when using our 'Lease or Buy' analyser your session on this web site will eventually 'time-out' and we'll then wipe the data to help prevent someone else from seeing it (but please don't rely on that - just close your browser window and come back to us later).

Car Selection

Next we'll ask you about the car you want.

You can select a standard car from the manufacturer lists or customise a vehicle the way you want it with options in addition to the standard equipment.

Finance

Once the vehicle is selected we'll ask you about finance. You can select the period you expect to keep the car (up to 5 years) and the annual/total mileage you will travel and we'll match the finance to your selections.

You're Ready To Go!

Once you've completed the personal profile, vehicle and finance selections you're ready to see the analysis results.

Depending on your data selections we'll show you:

• the lowest monthly payments for finance for your car from the choices we offer;
• the lowest total cost for finance for your car from the choices we offer (not necessarily the same as the above)
• the cash-flow impact on you of buying outright from savings compared to our finance alternatives;
• the cost impact of using finance compared to buying outright; and
• the effects of personal taxation on the calculations.

So let's get started on your 'Lease or Buy' analysis - just click on the link below:

Personal Profile