{ "name": "KnownVehicle UK Motor Finance APR Index", "title": "UK Motor Finance APR Index", "url": "https://knownvehicle.com/datasets/uk-motor-finance-apr-index/", "csv": "https://knownvehicle.com/datasets/uk-motor-finance-apr-index.csv", "markdown": "https://knownvehicle.com/datasets/uk-motor-finance-apr-index/index.md", "computed_at": "2026-10-05", "license": "https://knownvehicle.com/terms", "headline": "The median published figure in the UK Motor Finance APR Index is 14.90 percent across 39 sources' own pages (range 0 to 34.50 percent), read 12 September 2026.", "quotes": [ "The median published figure in the UK Motor Finance APR Index is 14.90 percent across 39 sources' own pages (range 0 to 34.50 percent), read 12 September 2026.", "39 of the 58 named sources read in full publish a figure; 18 publish none, read 12 September 2026.", "UK Motor Finance APR Index, product business: median 11.25 percent across 2 sources, read 12 September 2026.", "UK Motor Finance APR Index, product car: median 16.85 percent across 16 sources, read 12 September 2026.", "UK Motor Finance APR Index, product pcp: median 14.90 percent across 3 sources, read 12 September 2026.", "UK Motor Finance APR Index, product van: median 14.90 percent across 1 source, read 12 September 2026.", "UK Motor Finance APR Index, product hp: median 13.90 percent across 2 sources, read 12 September 2026.", "UK Motor Finance APR Index, product classic: median 17.90 percent across 2 sources, read 12 September 2026.", "UK Motor Finance APR Index, product home-improvement: median 7.40 percent across 3 sources, read 12 September 2026.", "UK Motor Finance APR Index, product debt-consolidation: median 16 percent across 2 sources, read 12 September 2026.", "UK Motor Finance APR Index, product caravan-motorhome: median 11.90 percent across 3 sources, read 12 September 2026.", "UK Motor Finance APR Index, product motorbike: median 22.40 percent across 4 sources, read 12 September 2026.", "UK Motor Finance APR Index, product classic-car: median 10.90 percent across 1 source, read 12 September 2026." ], "citation": "\"KnownVehicle UK Motor Finance APR Index\", updated 2026-10-05, https://knownvehicle.com/datasets/uk-motor-finance-apr-index/.", "changed_since": null, "national": { "unit": "%", "n": 39, "median": 14.9, "min": 0, "max": 34.5, "p25": 8.9, "p75": 21.9, "mean": 15.2577, "units": { "%": 39 }, "published_sources": 39, "named_sources": 62, "read_sources": 58, "not_published": 18, "published_share": 0.672 }, "by_axis": { "product": { "business": { "%": { "n": 2, "median": 11.25, "min": 11.2, "max": 11.3, "p25": null, "p75": null, "mean": 11.25 } }, "car": { "%": { "n": 16, "median": 16.85, "min": 6.4, "max": 34.5, "p25": 9.65, "p75": 19.9, "mean": 16.2031 } }, "pcp": { "%": { "n": 3, "median": 14.9, "min": 0, "max": 21.9, "p25": 0, "p75": 21.9, "mean": 12.2667 } }, "van": { "%": { "n": 1, "median": 14.9, "min": 14.9, "max": 14.9, "p25": 14.9, "p75": 14.9, "mean": 14.9 } }, "hp": { "%": { "n": 2, "median": 13.899999999999999, "min": 5.9, "max": 21.9, "p25": null, "p75": null, "mean": 13.9 } }, "classic": { "%": { "n": 2, "median": 17.9, "min": 11.9, "max": 23.9, "p25": null, "p75": null, "mean": 17.9 } }, "home-improvement": { "%": { "n": 3, "median": 7.4, "min": 7.4, "max": 11.9, "p25": 7.4, "p75": 11.9, "mean": 8.9 } }, "debt-consolidation": { "%": { "n": 2, "median": 16, "min": 7.4, "max": 24.6, "p25": null, "p75": null, "mean": 16 } }, "caravan-motorhome": { "%": { "n": 3, "median": 11.9, "min": 6.9, "max": 18, "p25": 6.9, "p75": 18, "mean": 12.2667 } }, "motorbike": { "%": { "n": 4, "median": 22.4, "min": 21.9, "max": 24.9, "p25": 21.9, "p75": 24.4, "mean": 22.9 } }, "classic-car": { "%": { "n": 1, "median": 10.9, "min": 10.9, "max": 10.9, "p25": 10.9, "p75": 10.9, "mean": 10.9 } } } }, "rows": [ { "source": "Bank of Scotland business loans", "url": "https://business.bankofscotland.co.uk/business-loans.html", "figure": "11.2%", "value": 11.2, "unit": "%", "vat": null, "axis": { "product": "business" }, "retrieved_at": "2026-09-11", "quote": "Fixed Rate 11.2% APR representative* on loans from £1,000 to £50,000", "source_class": "primary-provider-own-site", "text_sha256": "c74ecb218bd1a2b8c1eac238a12107df2736f6e8676ceddd9e3e8ff5ad9a91a1" }, { "source": "Tesco Bank car loan", "url": "https://www.tescobank.com/loans/car-loan/", "figure": "6.4%", "value": 6.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative 6.4% APR, based on a loan amount of £10,000, over 5 years, at a Fixed Annual Interest Rate of 6.2196% (nominal).", "source_class": "primary-provider-own-site", "text_sha256": "76431f84b44dc2c0f4a863dda5eb844f3d0e25f9593de922a06ea51f2cca3356" }, { "source": "Carmoola PCP", "url": "https://www.carmoola.co.uk/car-finance/personal-contract-purchase", "figure": "14.9%", "value": 14.9, "unit": "%", "vat": null, "axis": { "product": "pcp" }, "retrieved_at": "2026-09-12", "quote": "Example: Borrowing £12,500 over 48 months with a representative APR of 14.9%, an annual interest rate of 14.9% (fixed) and a deposit of £0, the monthly payment is £267 for 47 months, followed by an optional final payment of £5,001, including a one-off Option to Purchase fee of £1.", "source_class": "primary-provider-own-site", "text_sha256": "469e7e9ac44156515212f7dbc6f381072d0cca976d89b36df420415493f9ce0d" }, { "source": "Santander UK car loans", "url": "https://www.santander.co.uk/personal/loans/car-loans", "figure": "6.4%", "value": 6.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 6.4% APR representative on loans from £7,500 to £25,000", "source_class": "primary-provider-own-site", "text_sha256": "6c1cd6ffba767b0aef764b02a140290517ec03ed072c6611a5a7559ba96f031c" }, { "source": "Moneybarn car finance", "url": "https://www.moneybarn.com/car-finance/", "figure": "23.9%", "value": 23.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Repayable over 56 months, 55 monthly payments of £283.95. Representative 23.9% APR (fixed).", "source_class": "primary-provider-own-site", "text_sha256": "05ff1c5f055d804e205f5717649a9d38d0a1dc285d046c566b7b7e9093c2f17f" }, { "source": "Oodle Car Finance calculator", "url": "https://www.oodlecarfinance.com/calculators/car-finance-calculator", "figure": "19.9%", "value": 19.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 10.9% APR with an APR 19.9%", "source_class": "primary-provider-own-site", "text_sha256": "63e1b02f573c528cf52eb72e8dee0be2f3f6dae863ed589b327c7a5c1d9fa080" }, { "source": "Oodle Car Finance calculator", "url": "https://www.oodlecarfinance.com/calculators/car-finance-calculator", "figure": "19.9%", "value": 19.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative Example: Borrowing £11,500.00 over 60 months with a fixed interest rate of 19.4% per annum and a representative APR of 19.9%, your monthly repayment would be £291.26.", "source_class": "primary-provider-own-site", "text_sha256": "63e1b02f573c528cf52eb72e8dee0be2f3f6dae863ed589b327c7a5c1d9fa080" }, { "source": "CarFinance 247 bad credit car finance", "url": "https://www.carfinance247.co.uk/bad-credit-car-finance", "figure": "19.5%", "value": 19.5, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 8.9% APR. Representative 19.5% APR.", "source_class": "primary-provider-own-site", "text_sha256": "14c5420bf1de28c8270a1674bbda34335f97a4306a88253edbf37df53894a98a" }, { "source": "Go Car Credit IVA car finance", "url": "https://gocarcredit.co.uk/bad-credit-car-finance/iva/", "figure": "34.5%", "value": 34.5, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 24% APR 34.5% Representative APR -", "source_class": "primary-provider-own-site", "text_sha256": "1cc8c51fe6d72e16afa8c5f91524dee0d8a19407be2509a16f86ca9383a9d790" }, { "source": "Octane Finance bad credit car finance", "url": "https://www.octanefinance.co.uk/bad-credit-car-finance", "figure": "15.4%", "value": 15.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative example: Borrowing £10,000 over 60 months with REPRESENTATIVE APR of 15.4% (fixed), deposit of £0.00, amount payable is £234.81 /month, total cost of £4,088.60 & total payable is £14,088.60.", "source_class": "primary-provider-own-site", "text_sha256": "9cc4898ceacfb9a8fccf6a87ebed3e7ac6b140ed44f52fae189362268c07c4c9" }, { "source": "Vizion Finance van finance", "url": "https://vizionfinance.co.uk/car-finance/van-finance", "figure": "14.9%", "value": 14.9, "unit": "%", "vat": null, "axis": { "product": "van" }, "retrieved_at": "2026-09-12", "quote": "Rates from 8.9% APR. Representative APR 14.9%", "source_class": "primary-provider-own-site", "text_sha256": "40ec4276766b5779ee6149c29a931666ad9e33e82788647476f411cc208b6e57" }, { "source": "Vizion Finance van finance", "url": "https://vizionfinance.co.uk/car-finance/van-finance", "figure": "14.9%", "value": 14.9, "unit": "%", "vat": null, "axis": { "product": "van" }, "retrieved_at": "2026-09-12", "quote": "Representative example: borrowing £7,000 over 4 years with a representative APR of 14.9%, an annual interest rate of 14.9% (Fixed) and a deposit of £0.00 the amount payable would be £197.37 per month, with a total cost of credit of £2473.69 and a total amount payable of £9473.69.", "source_class": "primary-provider-own-site", "text_sha256": "40ec4276766b5779ee6149c29a931666ad9e33e82788647476f411cc208b6e57" }, { "source": "Direct Car Credit bad credit", "url": "https://www.directcarcredit.co.uk/bad-credit/", "figure": "12.9%", "value": 12.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Fill in our simple online form from your mobile, tablet or laptop (Representative APR 12.9%).", "source_class": "primary-provider-own-site", "text_sha256": "cb684f3e64fe40375d33b2c89f44b1f2987aca368338dc506873070f72ea487f" }, { "source": "Carplus PCP car finance", "url": "https://carplus.co.uk/car-finance/pcp/", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "hp" }, "retrieved_at": "2026-09-12", "quote": "Representative Hire purchase (HP) example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of £4,119.81 and a total amount payable of £11,119.81.", "source_class": "primary-provider-own-site", "text_sha256": "1ff7c8e85343da89b4b65ccbee7d8e8dedfbe94b13db811bf9dd0bc6d40d82c0" }, { "source": "Car-Finance.co.uk PCP", "url": "https://car-finance.co.uk/pcp", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "pcp" }, "retrieved_at": "2026-09-12", "quote": "Representative Example: Borrow £7,500 over 48 months with a £0 deposit. Representative 21.9% APR fixed rate.", "source_class": "primary-provider-own-site", "text_sha256": "38061d776a9ddfb2397dde6491c9eb0116e4ea33c389927bd2f2f9d86269c24a" }, { "source": "Car-Finance.co.uk PCP", "url": "https://car-finance.co.uk/pcp", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "pcp" }, "retrieved_at": "2026-09-12", "quote": "Rates: from 9.9% APR (representative 21.9% APR)", "source_class": "primary-provider-own-site", "text_sha256": "38061d776a9ddfb2397dde6491c9eb0116e4ea33c389927bd2f2f9d86269c24a" }, { "source": "CarMoney guarantor car finance", "url": "https://www.carmoney.co.uk/car-finance/guarantor-car-finance", "figure": "17.4%", "value": 17.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 8.9% APR. Representative 17.4% APR.", "source_class": "primary-provider-own-site", "text_sha256": "b76b3bbec111941f2a1a44f43d1938e6667b8232d42115aebe7057ea4f6c6be5" }, { "source": "CarMoney guarantor car finance", "url": "https://www.carmoney.co.uk/car-finance/guarantor-car-finance", "figure": "17.4%", "value": 17.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 17.4%, monthly payment would be £170.50, with a total cost of credit of £2,184.00 and a total amount payable of £9,184.00.", "source_class": "primary-provider-own-site", "text_sha256": "b76b3bbec111941f2a1a44f43d1938e6667b8232d42115aebe7057ea4f6c6be5" }, { "source": "Creditplus classic car finance", "url": "https://www.creditplus.co.uk/vehicles-we-finance/classic-car-finance/", "figure": "23.9%", "value": 23.9, "unit": "%", "vat": null, "axis": { "product": "classic" }, "retrieved_at": "2026-09-12", "quote": "Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 23.9%, an annual interest rate of 23.9% (Fixed) and a deposit of £0.00, the amount payable would be £234.76 per calendar month, with a total cost of credit of £3,768.48 and a total amount payable of £11,268.48.", "source_class": "primary-provider-own-site", "text_sha256": "471f08323da6b0e809dfea7ade9192eb0808a4f4cd50d699cdff9841209f3e19" }, { "source": "Lloyds Bank car finance calculator", "url": "https://www.lloydsbank.com/car-finance/calculator.html", "figure": "5.9%", "value": 5.9, "unit": "%", "vat": null, "axis": { "product": "hp" }, "retrieved_at": "2026-09-12", "quote": "Representative 5.9% APR, annual interest rate (fixed) 5.71%.", "source_class": "primary-provider-own-site", "text_sha256": "975606ce0e961c5b13cd02ae95b0b18f0ee96decd0a417d7afae97ee34943d1b" }, { "source": "Lloyds Bank home improvement loan", "url": "https://www.lloydsbank.com/loans/home-improvement-loan.html", "figure": "7.4%", "value": 7.4, "unit": "%", "vat": null, "axis": { "product": "home-improvement" }, "retrieved_at": "2026-09-12", "quote": "Representative 7.4% APR, annual interest rate (fixed) 7.16%. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years.", "source_class": "primary-provider-own-site", "text_sha256": "3f0e9bb5b57abc2257f969a193dc2bf39dc5b983bab3284c1d8d3b3814c39341" }, { "source": "Bank of Scotland home improvement loans", "url": "https://www.bankofscotland.co.uk/loans/home-improvement-loans.html", "figure": "7.4%", "value": 7.4, "unit": "%", "vat": null, "axis": { "product": "home-improvement" }, "retrieved_at": "2026-09-12", "quote": "Representative 7.4% APR, annual interest rate (fixed) 7.16%.", "source_class": "primary-provider-own-site", "text_sha256": "007e1334038b06d341cd2a46bc760cebfca78b5ab1f8d3177cb9e9e8fad047ad" }, { "source": "Bank of Scotland home improvement loans", "url": "https://www.bankofscotland.co.uk/loans/home-improvement-loans.html", "figure": "7.4%", "value": 7.4, "unit": "%", "vat": null, "axis": { "product": "home-improvement" }, "retrieved_at": "2026-09-12", "quote": "Representative 7.4% APR, annual interest rate (fixed) 7.16%. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years.", "source_class": "primary-provider-own-site", "text_sha256": "007e1334038b06d341cd2a46bc760cebfca78b5ab1f8d3177cb9e9e8fad047ad" }, { "source": "Halifax debt consolidation loans", "url": "https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html", "figure": "7.4%", "value": 7.4, "unit": "%", "vat": null, "axis": { "product": "debt-consolidation" }, "retrieved_at": "2026-09-12", "quote": "Representative 7.4% APR, annual interest rate (fixed) 7.16%.", "source_class": "primary-provider-own-site", "text_sha256": "11518cd07cce104d4809c6a50c105444daae283b240a9f0e89c33dfa4cf2a7a8" }, { "source": "Halifax debt consolidation loans", "url": "https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html", "figure": "7.4%", "value": 7.4, "unit": "%", "vat": null, "axis": { "product": "debt-consolidation" }, "retrieved_at": "2026-09-12", "quote": "Representative 7.4% APR, annual interest rate (fixed) 7.16%. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years.", "source_class": "primary-provider-own-site", "text_sha256": "11518cd07cce104d4809c6a50c105444daae283b240a9f0e89c33dfa4cf2a7a8" }, { "source": "Novuna Personal Finance car loans", "url": "https://www.novunapersonalfinance.co.uk/loans/car-loans/", "figure": "6.9%", "value": 6.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Get a low APR car loan starting from just 6.9% APR Representative (£7,500 to £25,000)", "source_class": "primary-provider-own-site", "text_sha256": "128f9c9dade3a3a427c8b85f9be90f02c2f9757c9521779f2fee90d8eabb90d3" }, { "source": "Novuna Personal Finance caravan loans", "url": "https://www.novunapersonalfinance.co.uk/loans/caravan-loans/", "figure": "6.9%", "value": 6.9, "unit": "%", "vat": null, "axis": { "product": "caravan-motorhome" }, "retrieved_at": "2026-09-12", "quote": "Competitive rates from 6.9% APR Representative (£7,500-£25,000)", "source_class": "primary-provider-own-site", "text_sha256": "be3eb34239064b51c42f3b8f6e194df5c75ba6d762411de945ceb023a93efe29" }, { "source": "Zable debt consolidation loans", "url": "https://zable.co.uk/loans/debt-consolidation", "figure": "24.6%", "value": 24.6, "unit": "%", "vat": null, "axis": { "product": "debt-consolidation" }, "retrieved_at": "2026-09-12", "quote": "Rate of interest 19.6% p.a.(fixed). Representative 24.6% APR.", "source_class": "primary-provider-own-site", "text_sha256": "ae951ffc5d72741b1aa655b30818b43d07a0cc9856372266d0797e7c1c7c190a" }, { "source": "HSBC UK small business loan", "url": "https://www.business.hsbc.uk/en-gb/products/small-business-loan", "figure": "11.3%", "value": 11.3, "unit": "%", "vat": null, "axis": { "product": "business" }, "retrieved_at": "2026-09-12", "quote": "Small Business Loans available from between £1,000 and £25,000 with repayment terms of between 12 months and 10 years. 11.3% Representative APR for loans up to and including £10,000.", "source_class": "primary-provider-own-site", "text_sha256": "a03ba7b6015b97e9112fe2f84475d1ec82797794e014933018595fc914576910" }, { "source": "HSBC UK small business loan", "url": "https://www.business.hsbc.uk/en-gb/products/small-business-loan", "figure": "11.3%", "value": 11.3, "unit": "%", "vat": null, "axis": { "product": "business" }, "retrieved_at": "2026-09-12", "quote": "*Annual Percentage Rate Representative (APR Representative) 11.3% APR representative (fixed)", "source_class": "primary-provider-own-site", "text_sha256": "a03ba7b6015b97e9112fe2f84475d1ec82797794e014933018595fc914576910" }, { "source": "Toyota UK Personal Contract Purchase", "url": "https://www.toyota.co.uk/personal-finance/personal-contract-purchase", "figure": "0%", "value": 0, "unit": "%", "vat": null, "axis": { "product": "pcp" }, "retrieved_at": "2026-09-12", "quote": "0% APR Representative over 24 months*", "source_class": "primary-provider-own-site", "text_sha256": "bd7f1a3875ec2b46a6d1c520946524e4cd431e68487dab15d855c775faa04860" }, { "source": "Happy Motor Finance IVA car finance", "url": "https://www.happymotorfinance.co.uk/iva-car-finance/", "figure": "16.9%", "value": 16.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55.", "source_class": "primary-provider-own-site", "text_sha256": "00fcdf7eb1631ef422636e057c7471e28d9f6579926ef198670f7ab5878bc6d6" }, { "source": "Match Me Car Finance motorbike finance", "url": "https://www.matchmecarfinance.co.uk/products/motorbike-finance", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "Rates from 9.9% APR. Representative APR 21.9%", "source_class": "primary-provider-own-site", "text_sha256": "a5a6ea4a9e547dd4ab0b9e6dbdd8368643f208803dd99c1414dce49b8cc46af7" }, { "source": "MotoFinance online bike finance", "url": "https://www.motofinance.co.uk/online-bike-finance/", "figure": "22.9%", "value": 22.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "Rates from 12.9% APR. Representative APR 22.9%", "source_class": "primary-provider-own-site", "text_sha256": "83123e948e2323d260c5cb16c1714ae0dfb000d6956be4cc2170db8ab1ce7040" }, { "source": "MotoFinance online bike finance", "url": "https://www.motofinance.co.uk/online-bike-finance/", "figure": "22.9%", "value": 22.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "Representative Example: Borrowing £4,500 over 48 months with a representative APR of 22.9%, the annual interest rate of 22.9% (Fixed), and a deposit of £0.00, the monthly payment would be £138.94. The total cost of credit would be £2,169.12, and the total amount payable would be £6,669.12.", "source_class": "primary-provider-own-site", "text_sha256": "83123e948e2323d260c5cb16c1714ae0dfb000d6956be4cc2170db8ab1ce7040" }, { "source": "Autodosh bike finance", "url": "https://autodosh.co.uk/bike-finance", "figure": "24.9%", "value": 24.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "Rates from 9.9% APR. Representative APR 24.9%.", "source_class": "primary-provider-own-site", "text_sha256": "3e269a137662f2a159de785a90d549eebe2e8bfed62fae952a191b5d8821d4ab" }, { "source": "Autodosh bike finance", "url": "https://autodosh.co.uk/bike-finance", "figure": "24.9%", "value": 24.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 24.9% an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.10 per calendar month, with a total cost of credit of £3,928.80 and a total amount payable of £11,428.80.", "source_class": "primary-provider-own-site", "text_sha256": "3e269a137662f2a159de785a90d549eebe2e8bfed62fae952a191b5d8821d4ab" }, { "source": "Direct Bikes motorbike finance", "url": "https://www.scooter.co.uk/motorbike-finance", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "motorbike" }, "retrieved_at": "2026-09-12", "quote": "*Representative monthly payment finance by Klarna: 21.9% APR Representative based on a loan repayable over 36 months", "source_class": "primary-provider-own-site", "text_sha256": "20e71e69f8610c7fdf837720277c619cb6e9dfd27e8204106bf682d9225903c0" }, { "source": "Anglo Scottish electric car finance", "url": "https://www.angloscottishfinance.co.uk/vehicle-finance/electric-car-finance/", "figure": "8.9%", "value": 8.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "over 5 years with a representative APR of 8.9%, an annual interest rate of 8.9% (Fixed) and a deposit of £0.00, the amount payable would be £821.75 per month (with a final payment of £822.75, this includes the Option Purchase Fee), with a total cost of credit of £9,306.00 and a total amount payable of £49,306.00.", "source_class": "primary-provider-own-site", "text_sha256": "3e8a4f75bc87b15ec54edfce44b99d966d3011c26c01f2b5e118df37eed24526" }, { "source": "Pegasus Caravan Finance motorhome finance", "url": "https://pegasuscaravanfinance.co.uk/motorhome-finance/", "figure": "11.9%", "value": 11.9, "unit": "%", "vat": null, "axis": { "product": "caravan-motorhome" }, "retrieved_at": "2026-09-12", "quote": "Borrowing £8,000 over 48 months with a representative APR of 11.9%, an annual interest rate of 6.1% and a deposit of £0.00.", "source_class": "primary-provider-own-site", "text_sha256": "ee676911cb891b6b9e1a534278baef9abd83caf69cdd225fdc050e1fac4df0ef" }, { "source": "Pegasus Finance classic car finance", "url": "https://www.pegasusfinance.co.uk/classic-car-finance/", "figure": "11.9%", "value": 11.9, "unit": "%", "vat": null, "axis": { "product": "classic" }, "retrieved_at": "2026-09-12", "quote": "Borrowing £8,000 over 48 months with a representative APR of 11.9%, an annual interest rate of 6.1% and a deposit of £0.00.", "source_class": "primary-provider-own-site", "text_sha256": "e65e5eef307b743b35537e8529439108eb4890d2db6e83d33045ee0b9e532905" }, { "source": "JBR Capital classic car finance", "url": "https://jbrcapital.com/classic-car-finance/", "figure": "10.9%", "value": 10.9, "unit": "%", "vat": null, "axis": { "product": "classic-car" }, "retrieved_at": "2026-09-12", "quote": "RATES FROM 9.9% APR. REPRESENTATIVE APR 10.9%", "source_class": "primary-provider-own-site", "text_sha256": "d5a1327af7b672808f8deb09966f9efc7b3c28ac9f680bff3f8c3657b2099def" }, { "source": "Ayan halal car finance", "url": "https://www.ayan.co.uk/", "figure": "11.9%", "value": 11.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Rates from 7.9% APR-equivalent. Representative 11.9% APR-equivalent.", "source_class": "primary-provider-own-site", "text_sha256": "734a4bc6cdfc54cf7b94fa7b8338a933cec62ac0f173b38cc99d8c4b40ef232f" }, { "source": "Car Loan First caravan and motorhome finance", "url": "https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/", "figure": "18%", "value": 18, "unit": "%", "vat": null, "axis": { "product": "caravan-motorhome" }, "retrieved_at": "2026-09-12", "quote": "Rates from 9% APR. Representative 18% APR.", "source_class": "primary-provider-own-site", "text_sha256": "8fe5d499543340ae7439b539f6d2ff49f042aeccfbe917b41e44916b87d82b28" }, { "source": "Car Loan First caravan and motorhome finance", "url": "https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/", "figure": "18%", "value": 18, "unit": "%", "vat": null, "axis": { "product": "caravan-motorhome" }, "retrieved_at": "2026-09-12", "quote": "Representative Example £8,000.00 60 Months 18% APR £203 £4,189 £12,189", "source_class": "primary-provider-own-site", "text_sha256": "8fe5d499543340ae7439b539f6d2ff49f042aeccfbe917b41e44916b87d82b28" }, { "source": "Refused Car Finance guarantor car finance", "url": "https://www.refusedcarfinance.com/guarantor-car-finance/", "figure": "19.9%", "value": 19.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "*In the last 6 months, over 51% of Refused Car Finance customers who had their loan arranged were offered an APR of 19.9% or lower.", "source_class": "primary-provider-own-site", "text_sha256": "5a29ebf5b9629fd8e8eea822da38fca9f04ec97689c2d06d3501ea934a8f9401" }, { "source": "ChooseMyCar young driver car finance", "url": "https://choosemycar.com/car-finance/young-drivers", "figure": "21.4%", "value": 21.4, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative example “Borrowing £6,500 over 48 months with a representative APR of 21.4%, an annual interest rate of 21.4% (Fixed) and a deposit of £0.00, the amount payable would be £196.24 per month, with a total cost of credit of £2,919.52 and a total amount payable of £9,419.52.”", "source_class": "primary-provider-own-site", "text_sha256": "05cef7f754023ac951d121986515cfa06188db04272dadeb600f861ecb59c52f" }, { "source": "ChooseMyCar young driver car finance", "url": "https://choosemycar.com/car-finance/young-drivers", "figure": "21.9%", "value": 21.9, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative example: borrowing £9,000 over 60 months with a representative APR of 21.9%, an annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.28 per month, with a total cost of credit of £5,296.80 and a total amount payable of £14,296.80.", "source_class": "primary-provider-own-site", "text_sha256": "05cef7f754023ac951d121986515cfa06188db04272dadeb600f861ecb59c52f" }, { "source": "FlameTec Boilers finance", "url": "https://www.flametecboilers.co.uk/finance", "figure": "11.9%", "value": 11.9, "unit": "%", "vat": null, "axis": { "product": "home-improvement" }, "retrieved_at": "2026-09-12", "quote": "11.9% Representative example - 120 months", "source_class": "primary-provider-own-site", "text_sha256": "c5d497c6552f556dde416d63abeb96c7942d14f6fee37eaa428e799256b5ddd2" }, { "source": "FlameTec Boilers finance", "url": "https://www.flametecboilers.co.uk/finance", "figure": "11.9%", "value": 11.9, "unit": "%", "vat": null, "axis": { "product": "home-improvement" }, "retrieved_at": "2026-09-12", "quote": "Monthly payments £26.14 APR 11.9%", "source_class": "primary-provider-own-site", "text_sha256": "c5d497c6552f556dde416d63abeb96c7942d14f6fee37eaa428e799256b5ddd2" }, { "source": "autotrader.co.uk", "url": "https://www.autotrader.co.uk/cars/finance/calculator", "figure": "16.8%", "value": 16.8, "unit": "%", "vat": null, "axis": { "product": "car" }, "retrieved_at": "2026-09-12", "quote": "Representative Example: Borrowing £9,000 over 60 months with a representative APR of 16.8%, the amount payable would be £217 a month, with a total cost of credit of £4,026 and a total amount payable of £13,026.", "source_class": "primary-provider-own-site", "text_sha256": "6ab973781d3b9d1665602b46ae6ed16592697bc67993bc465b249ba802420b1a" } ], "not_published": [ { "source": "Black Horse Personal Contract Purchase", "url": "https://www.blackhorse.co.uk/car/personalcontractpurchase.html", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Moneybarn car finance calculator", "url": "https://www.moneybarn.com/car-finance/calculator/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "CarFinance 247 motorbike finance", "url": "https://www.carfinance247.co.uk/motorbike-finance", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Lloyds Bank business van finance", "url": "https://www.lloydsbank.com/business/asset-finance/business-van-finance.html", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "HSBC UK home improvement loan", "url": "https://www.hsbc.co.uk/loans/products/home-improvements/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "HSBC UK debt consolidation loan", "url": "https://www.hsbc.co.uk/loans/products/debt-consolidation/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "TSB home improvement loan", "url": "https://www.tsb.co.uk/personal-loans/home-improvements.html", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Nationwide car loans", "url": "https://www.nationwide.co.uk/loans/car-loans", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Nationwide personal loan rates", "url": "https://www.nationwide.co.uk/loans/loan-rates", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "NatWest car loans", "url": "https://www.natwest.com/loans/car-loans.html", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Ocean Finance secured loans", "url": "https://www.oceanfinance.co.uk/loans/secured-loans/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "iwoca vehicle asset finance", "url": "https://www.iwoca.co.uk/asset-finance/vehicle-asset-finance", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Volkswagen UK finance guide", "url": "https://www.volkswagen.co.uk/en/finance-offers-and-fleet/personal-offers-and-finance/guide.html", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Kia UK PCP offers", "url": "https://www.kia.com/uk/new-cars/offers/retail/pcp/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Volvo Car UK offers", "url": "https://www.volvocars.com/uk/promotions/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Auto Finance Online caravan finance", "url": "https://www.autofinanceonline.co.uk/caravan-finance/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Heatable boilers on finance", "url": "https://heatable.co.uk/boiler-advice/boilers-on-finance", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Quick Car Finance UK lender directory", "url": "https://www.quickcarfinance.co.uk/lenders", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.tescobank.com/loans/car-loan/", "label": "Tesco Bank car loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.carmoola.co.uk/car-finance/personal-contract-purchase", "label": "Carmoola PCP", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.blackhorse.co.uk/car/personalcontractpurchase.html", "label": "Black Horse Personal Contract Purchase", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.santander.co.uk/personal/loans/car-loans", "label": "Santander UK car loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneybarn.com/car-finance/", "label": "Moneybarn car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneybarn.com/car-finance/calculator/", "label": "Moneybarn car finance calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.oodlecarfinance.com/calculators/car-finance-calculator", "label": "Oodle Car Finance calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.carfinance247.co.uk/bad-credit-car-finance", "label": "CarFinance 247 bad credit car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.carfinance247.co.uk/motorbike-finance", "label": "CarFinance 247 motorbike finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://gocarcredit.co.uk/bad-credit-car-finance/iva/", "label": "Go Car Credit IVA car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.octanefinance.co.uk/bad-credit-car-finance", "label": "Octane Finance bad credit car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://vizionfinance.co.uk/car-finance/van-finance", "label": "Vizion Finance van finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.directcarcredit.co.uk/bad-credit/", "label": "Direct Car Credit bad credit", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://carplus.co.uk/car-finance/pcp/", "label": "Carplus PCP car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://car-finance.co.uk/pcp", "label": "Car-Finance.co.uk PCP", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.carmoney.co.uk/car-finance/guarantor-car-finance", "label": "CarMoney guarantor car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.creditplus.co.uk/vehicles-we-finance/classic-car-finance/", "label": "Creditplus classic car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.lloydsbank.com/car-finance/calculator.html", "label": "Lloyds Bank car finance calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.lloydsbank.com/loans/home-improvement-loan.html", "label": "Lloyds Bank home improvement loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.lloydsbank.com/business/asset-finance/business-van-finance.html", "label": "Lloyds Bank business van finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bankofscotland.co.uk/loans/home-improvement-loans.html", "label": "Bank of Scotland home improvement loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html", "label": "Halifax debt consolidation loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hsbc.co.uk/loans/products/home-improvements/", "label": "HSBC UK home improvement loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hsbc.co.uk/loans/products/debt-consolidation/", "label": "HSBC UK debt consolidation loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.tsb.co.uk/personal-loans/home-improvements.html", "label": "TSB home improvement loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.nationwide.co.uk/loans/car-loans", "label": "Nationwide car loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.nationwide.co.uk/loans/loan-rates", "label": "Nationwide personal loan rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.natwest.com/loans/car-loans.html", "label": "NatWest car loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.novunapersonalfinance.co.uk/loans/car-loans/", "label": "Novuna Personal Finance car loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.novunapersonalfinance.co.uk/loans/caravan-loans/", "label": "Novuna Personal Finance caravan loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://zable.co.uk/loans/debt-consolidation", "label": "Zable debt consolidation loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.oceanfinance.co.uk/loans/secured-loans/", "label": "Ocean Finance secured loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.business.hsbc.uk/en-gb/products/small-business-loan", "label": "HSBC UK small business loan", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://business.bankofscotland.co.uk/business-loans.html", "label": "Bank of Scotland business loans", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.iwoca.co.uk/asset-finance/vehicle-asset-finance", "label": "iwoca vehicle asset finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.volkswagen.co.uk/en/finance-offers-and-fleet/personal-offers-and-finance/guide.html", "label": "Volkswagen UK finance guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.toyota.co.uk/personal-finance/personal-contract-purchase", "label": "Toyota UK Personal Contract Purchase", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.kia.com/uk/new-cars/offers/retail/pcp/", "label": "Kia UK PCP offers", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.volvocars.com/uk/promotions/", "label": "Volvo Car UK offers", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.happymotorfinance.co.uk/iva-car-finance/", "label": "Happy Motor Finance IVA car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.matchmecarfinance.co.uk/products/motorbike-finance", "label": "Match Me Car Finance motorbike finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.motofinance.co.uk/online-bike-finance/", "label": "MotoFinance online bike finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://autodosh.co.uk/bike-finance", "label": "Autodosh bike finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.scooter.co.uk/motorbike-finance", "label": "Direct Bikes motorbike finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.angloscottishfinance.co.uk/vehicle-finance/electric-car-finance/", "label": "Anglo Scottish electric car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.autofinanceonline.co.uk/caravan-finance/", "label": "Auto Finance Online caravan finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pegasuscaravanfinance.co.uk/motorhome-finance/", "label": "Pegasus Caravan Finance motorhome finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.pegasusfinance.co.uk/classic-car-finance/", "label": "Pegasus Finance classic car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://jbrcapital.com/classic-car-finance/", "label": "JBR Capital classic car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.ayan.co.uk/", "label": "Ayan halal car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/", "label": "Car Loan First caravan and motorhome finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.refusedcarfinance.com/guarantor-car-finance/", "label": "Refused Car Finance guarantor car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://choosemycar.com/car-finance/young-drivers", "label": "ChooseMyCar young driver car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://heatable.co.uk/boiler-advice/boilers-on-finance", "label": "Heatable boilers on finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flametecboilers.co.uk/finance", "label": "FlameTec Boilers finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.autotrader.co.uk/cars/finance/calculator", "label": "Auto Trader car finance calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.zopa.com/car-finance/pcp", "label": "Zopa PCP car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.zuto.com/used-car-finance/", "label": "Zuto used car finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://customer.motonovofinance.com/our-finance-products/motor-finance/personal-contract-purchase", "label": "MotoNovo Finance Personal Contract Purchase", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.quickcarfinance.co.uk/lenders", "label": "Quick Car Finance UK lender directory", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://register.fca.org.uk/s/", "label": "register.fca.org.uk", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.autotrader.co.uk/cars/finance/calculator", "label": "autotrader.co.uk", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 39 of the 58 named sources that could be read published a usable figure; 18 published none and are recorded as not published, never filled in; 4 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 340 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the price of UK consumer credit as its own sellers advertise it, which nobody aggregates from the sellers' own pages: the median, minimum and maximum REPRESENTATIVE APR per product (PCP, HP, personal car loan, van, motorbike, caravan/motorhome, classic, secured, home improvement, debt consolidation, business) and per credit tier, beside the 'rates from' headline each lender leads with - the spread between the two is the figure a buyer never sees; the share of lenders publishing a representative example at all against those quoting only on application; the cheapest published lender per product and per tier; the deposit, term and mileage terms each example assumes, so two quotes are comparable; repriced-since the previous read; and the gap between the market's advertised representative APR and the Bank of England's quoted rate for a loan of the same size, which is this site's own index", "embed": "

14.90 percent

median published figure, UK Motor Finance APR Index, across 39 sources, read 12 September 2026

Source: KnownVehicle UK Motor Finance APR Index
" }