PCP vs HP vs Paying Cash In The UK — Which Actually Costs Less? (The Real Maths)
21K views · Sep 24, 2026 · Education
Comments · 42
@UKFinanceSimplified · 6 days ago · pinned
Same Toyota, same finish line: HP cost Owen £5,300 more than Bethany's PCP.<br>Paying cash still lost to the PCP, thanks to Toyota's £5,000.<br>Take that £5,000 away and PCP becomes the most expensive route of all.<br>Knowing this, would you still pay cash for your next car?
1
@martingibbons7070 · 6 days ago
Pria would have been saving from day one so she would have had some money in her savings.
16
@herrjanjua7869 · 6 days ago
Moral of the story buy second hand and walk away with £15k in bank
10
@andrewsb4633 · 6 days ago
You don't mention that the person who paid cash for the car does not have any monthly payments so she would be able to put a substantial sum those into a tax efficient savings scheme or SIPP having a large sum at the end of the 3 years.
8
@belizeanbeast-doctormuscle4619 · 4 days ago
Priyah would be saving that 700+ pounds, or contributing to an international index fund with 6-7% interest compounding
1
@studioaureal · 6 days ago
Waiting for the electric vs hybrid vs petrol video 😅
2
@DevonKoi · 5 days ago
Like the videos and good points made with all of them. Would love to see a what to do on coming in to a windfall in your 50's say 250k your house mortgage is near payed off or not what would be the best way to get the max out of the money moving to your 60's and retirement
@Niel-Finance · 4 days ago
Paying cash still wins on most used cars and any deal with no contribution. This isn’t a blanket “always finance” message though.. it’s a “run the actual numbers” message.
1
@Moneyscenario-m8s · 6 days ago
Learning something new
@scillyrob7056 · 6 days ago
Very interesting
@emiliodechiro6108 · 5 days ago
I'm thinking about trading in my car as my deposit , but borrowing money from the bank to cover the rest of the amount, as the interest is lower than the dealer ship would that be right choice for me
@Tommi-C · 5 days ago
How often do they give you £5K off the car?
2
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