Pcp: UK Motor Finance APR Index
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.
14.9 % Median published figure middle half 8.9 to 21.9 %
0 to 34.5 % Range a 34.5 % spread; quartiles 8.9 and 21.9
39 Sources with a figure of 58 read in full, 5 Oct 2026
39 of 58 Sources read that publish one 67% publish a figure at all
- 10 to 6
- 156 to 12
- 1212 to 17
- 1717 to 23
- 523 to 29
- 129 to 35
Bands
| Bucket | Value |
|---|---|
| 0 to 6 | 1 source |
| 6 to 12 | 15 sources |
| 12 to 17 | 12 sources |
| 17 to 23 | 17 sources |
| 23 to 29 | 5 sources |
| 29 to 35 | 1 source |
39 of the 58 named sources read in full publish a figure; 18 publish none, read 12 September 2026.
By product
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| product business | 11.25 % | 11.2 to 11.3 % | 2 |
| product car | 16.85 % | 6.4 to 34.5 % | 16 |
| product pcp | 14.9 % | 0 to 21.9 % | 3 |
| product van | 14.9 % | 14.9 to 14.9 % | 1 |
| product hp | 13.9 % | 5.9 to 21.9 % | 2 |
| product classic | 17.9 % | 11.9 to 23.9 % | 2 |
| product home-improvement | 7.4 % | 7.4 to 11.9 % | 3 |
| product debt-consolidation | 16 % | 7.4 to 24.6 % | 2 |
| product caravan-motorhome | 11.9 % | 6.9 to 18 % | 3 |
| product motorbike | 22.4 % | 21.9 to 24.9 % | 4 |
| product classic-car | 10.9 % | 10.9 to 10.9 % | 1 |
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
The sentence each figure was read from (51)
- Go Car Credit IVA car finance, read 2026-09-12:
Rates from 24% APR 34.5% Representative APR -
- Autodosh bike finance, read 2026-09-12:
Rates from 9.9% APR. Representative APR 24.9%.
- Autodosh bike finance, read 2026-09-12:
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.
- Zable debt consolidation loans, read 2026-09-12:
Rate of interest 19.6% p.a.(fixed). Representative 24.6% APR.
- Moneybarn car finance, read 2026-09-12:
Repayable over 56 months, 55 monthly payments of £283.95. Representative 23.9% APR (fixed).
- Creditplus classic car finance, read 2026-09-12:
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.
- MotoFinance online bike finance, read 2026-09-12:
Rates from 12.9% APR. Representative APR 22.9%
- MotoFinance online bike finance, read 2026-09-12:
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.
- Carplus PCP car finance, read 2026-09-12:
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.
- Car-Finance.co.uk PCP, read 2026-09-12:
Representative Example: Borrow £7,500 over 48 months with a £0 deposit. Representative 21.9% APR fixed rate.
- Car-Finance.co.uk PCP, read 2026-09-12:
Rates: from 9.9% APR (representative 21.9% APR)
- Match Me Car Finance motorbike finance, read 2026-09-12:
Rates from 9.9% APR. Representative APR 21.9%
- Direct Bikes motorbike finance, read 2026-09-12:
*Representative monthly payment finance by Klarna: 21.9% APR Representative based on a loan repayable over 36 months
- ChooseMyCar young driver car finance, read 2026-09-12:
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.
- ChooseMyCar young driver car finance, read 2026-09-12:
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.”
- Oodle Car Finance calculator, read 2026-09-12:
Rates from 10.9% APR with an APR 19.9%
- Oodle Car Finance calculator, read 2026-09-12:
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.
- Refused Car Finance guarantor car finance, read 2026-09-12:
*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.
- CarFinance 247 bad credit car finance, read 2026-09-12:
Rates from 8.9% APR. Representative 19.5% APR.
- Car Loan First caravan and motorhome finance, read 2026-09-12:
Rates from 9% APR. Representative 18% APR.
- Car Loan First caravan and motorhome finance, read 2026-09-12:
Representative Example £8,000.00 60 Months 18% APR £203 £4,189 £12,189
- CarMoney guarantor car finance, read 2026-09-12:
Rates from 8.9% APR. Representative 17.4% APR.
- CarMoney guarantor car finance, read 2026-09-12:
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.
- Happy Motor Finance IVA car finance, read 2026-09-12:
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.
- autotrader.co.uk, read 2026-09-12:
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.
- Octane Finance bad credit car finance, read 2026-09-12:
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.
- Carmoola PCP, read 2026-09-12:
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.
- Vizion Finance van finance, read 2026-09-12:
Rates from 8.9% APR. Representative APR 14.9%
- Vizion Finance van finance, read 2026-09-12:
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.
- Direct Car Credit bad credit, read 2026-09-12:
Fill in our simple online form from your mobile, tablet or laptop (Representative APR 12.9%).
- Pegasus Caravan Finance motorhome finance, read 2026-09-12:
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.
- Pegasus Finance classic car finance, read 2026-09-12:
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.
- Ayan halal car finance, read 2026-09-12:
Rates from 7.9% APR-equivalent. Representative 11.9% APR-equivalent.
- FlameTec Boilers finance, read 2026-09-12:
11.9% Representative example - 120 months
- FlameTec Boilers finance, read 2026-09-12:
Monthly payments £26.14 APR 11.9%
- HSBC UK small business loan, read 2026-09-12:
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.
- HSBC UK small business loan, read 2026-09-12:
*Annual Percentage Rate Representative (APR Representative) 11.3% APR representative (fixed)
- Bank of Scotland business loans, read 2026-09-11:
Fixed Rate 11.2% APR representative* on loans from £1,000 to £50,000
- JBR Capital classic car finance, read 2026-09-12:
RATES FROM 9.9% APR. REPRESENTATIVE APR 10.9%
- Anglo Scottish electric car finance, read 2026-09-12:
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.
- Lloyds Bank home improvement loan, read 2026-09-12:
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.
- Bank of Scotland home improvement loans, read 2026-09-12:
Representative 7.4% APR, annual interest rate (fixed) 7.16%.
- Bank of Scotland home improvement loans, read 2026-09-12:
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.
- Halifax debt consolidation loans, read 2026-09-12:
Representative 7.4% APR, annual interest rate (fixed) 7.16%.
- Halifax debt consolidation loans, read 2026-09-12:
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.
- Novuna Personal Finance car loans, read 2026-09-12:
Get a low APR car loan starting from just 6.9% APR Representative (£7,500 to £25,000)
- Novuna Personal Finance caravan loans, read 2026-09-12:
Competitive rates from 6.9% APR Representative (£7,500-£25,000)
- Tesco Bank car loan, read 2026-09-12:
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).
- Santander UK car loans, read 2026-09-12:
Rates from 6.4% APR representative on loans from £7,500 to £25,000
- Lloyds Bank car finance calculator, read 2026-09-12:
Representative 5.9% APR, annual interest rate (fixed) 5.71%.
- Toyota UK Personal Contract Purchase, read 2026-09-12:
0% APR Representative over 24 months*
Read in full, publishes no figure
18 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- Black Horse Personal Contract Purchase, read 2026-09-12: every candidate on the page was refused
- Moneybarn car finance calculator, read 2026-09-12: every candidate on the page was refused
- CarFinance 247 motorbike finance, read 2026-09-12: every candidate on the page was refused
- Lloyds Bank business van finance, read 2026-09-12: every candidate on the page was refused
- HSBC UK home improvement loan, read 2026-09-12: every candidate on the page was refused
- HSBC UK debt consolidation loan, read 2026-09-12: every candidate on the page was refused
- TSB home improvement loan, read 2026-09-12: every candidate on the page was refused
- Nationwide car loans, read 2026-09-12: every candidate on the page was refused
- Nationwide personal loan rates, read 2026-09-12: every candidate on the page was refused
- NatWest car loans, read 2026-09-12: every candidate on the page was refused
- Ocean Finance secured loans, read 2026-09-12: every candidate on the page was refused
- iwoca vehicle asset finance, read 2026-09-12: every candidate on the page was refused
- Volkswagen UK finance guide, read 2026-09-12: every candidate on the page was refused
- Kia UK PCP offers, read 2026-09-12: every candidate on the page was refused
- Volvo Car UK offers, read 2026-09-12: every candidate on the page was refused
- Auto Finance Online caravan finance, read 2026-09-12: every candidate on the page was refused
- Heatable boilers on finance, read 2026-09-12: every candidate on the page was refused
- Quick Car Finance UK lender directory, read 2026-09-12: read in full and no accepted figure on the page
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
340 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (62)
- Tesco Bank car loan (the publisher's own terms; quoted for reporting and comment)
- Carmoola PCP (the publisher's own terms; quoted for reporting and comment)
- Black Horse Personal Contract Purchase (the publisher's own terms; quoted for reporting and comment)
- Santander UK car loans (the publisher's own terms; quoted for reporting and comment)
- Moneybarn car finance (the publisher's own terms; quoted for reporting and comment)
- Moneybarn car finance calculator (the publisher's own terms; quoted for reporting and comment)
- Oodle Car Finance calculator (the publisher's own terms; quoted for reporting and comment)
- CarFinance 247 bad credit car finance (the publisher's own terms; quoted for reporting and comment)
- CarFinance 247 motorbike finance (the publisher's own terms; quoted for reporting and comment)
- Go Car Credit IVA car finance (the publisher's own terms; quoted for reporting and comment)
- Octane Finance bad credit car finance (the publisher's own terms; quoted for reporting and comment)
- Vizion Finance van finance (the publisher's own terms; quoted for reporting and comment)
- Direct Car Credit bad credit (the publisher's own terms; quoted for reporting and comment)
- Carplus PCP car finance (the publisher's own terms; quoted for reporting and comment)
- Car-Finance.co.uk PCP (the publisher's own terms; quoted for reporting and comment)
- CarMoney guarantor car finance (the publisher's own terms; quoted for reporting and comment)
- Creditplus classic car finance (the publisher's own terms; quoted for reporting and comment)
- Lloyds Bank car finance calculator (the publisher's own terms; quoted for reporting and comment)
- Lloyds Bank home improvement loan (the publisher's own terms; quoted for reporting and comment)
- Lloyds Bank business van finance (the publisher's own terms; quoted for reporting and comment)
- Bank of Scotland home improvement loans (the publisher's own terms; quoted for reporting and comment)
- Halifax debt consolidation loans (the publisher's own terms; quoted for reporting and comment)
- HSBC UK home improvement loan (the publisher's own terms; quoted for reporting and comment)
- HSBC UK debt consolidation loan (the publisher's own terms; quoted for reporting and comment)
- TSB home improvement loan (the publisher's own terms; quoted for reporting and comment)
- Nationwide car loans (the publisher's own terms; quoted for reporting and comment)
- Nationwide personal loan rates (the publisher's own terms; quoted for reporting and comment)
- NatWest car loans (the publisher's own terms; quoted for reporting and comment)
- Novuna Personal Finance car loans (the publisher's own terms; quoted for reporting and comment)
- Novuna Personal Finance caravan loans (the publisher's own terms; quoted for reporting and comment)
- Zable debt consolidation loans (the publisher's own terms; quoted for reporting and comment)
- Ocean Finance secured loans (the publisher's own terms; quoted for reporting and comment)
- HSBC UK small business loan (the publisher's own terms; quoted for reporting and comment)
- Bank of Scotland business loans (the publisher's own terms; quoted for reporting and comment)
- iwoca vehicle asset finance (the publisher's own terms; quoted for reporting and comment)
- Volkswagen UK finance guide (the publisher's own terms; quoted for reporting and comment)
- Toyota UK Personal Contract Purchase (the publisher's own terms; quoted for reporting and comment)
- Kia UK PCP offers (the publisher's own terms; quoted for reporting and comment)
- Volvo Car UK offers (the publisher's own terms; quoted for reporting and comment)
- Happy Motor Finance IVA car finance (the publisher's own terms; quoted for reporting and comment)
- Match Me Car Finance motorbike finance (the publisher's own terms; quoted for reporting and comment)
- MotoFinance online bike finance (the publisher's own terms; quoted for reporting and comment)
- Autodosh bike finance (the publisher's own terms; quoted for reporting and comment)
- Direct Bikes motorbike finance (the publisher's own terms; quoted for reporting and comment)
- Anglo Scottish electric car finance (the publisher's own terms; quoted for reporting and comment)
- Auto Finance Online caravan finance (the publisher's own terms; quoted for reporting and comment)
- Pegasus Caravan Finance motorhome finance (the publisher's own terms; quoted for reporting and comment)
- Pegasus Finance classic car finance (the publisher's own terms; quoted for reporting and comment)
- JBR Capital classic car finance (the publisher's own terms; quoted for reporting and comment)
- Ayan halal car finance (the publisher's own terms; quoted for reporting and comment)
- Car Loan First caravan and motorhome finance (the publisher's own terms; quoted for reporting and comment)
- Refused Car Finance guarantor car finance (the publisher's own terms; quoted for reporting and comment)
- ChooseMyCar young driver car finance (the publisher's own terms; quoted for reporting and comment)
- Heatable boilers on finance (the publisher's own terms; quoted for reporting and comment)
- FlameTec Boilers finance (the publisher's own terms; quoted for reporting and comment)
- Auto Trader car finance calculator (the publisher's own terms; quoted for reporting and comment)
- Zopa PCP car finance (the publisher's own terms; quoted for reporting and comment)
- Zuto used car finance (the publisher's own terms; quoted for reporting and comment)
- MotoNovo Finance Personal Contract Purchase (the publisher's own terms; quoted for reporting and comment)
- Quick Car Finance UK lender directory (the publisher's own terms; quoted for reporting and comment)
- register.fca.org.uk (the publisher's own terms; quoted for reporting and comment)
- autotrader.co.uk (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
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.
Cite as: "KnownVehicle UK Motor Finance APR Index", updated 2026-10-05, https://knownvehicle.com/datasets/uk-motor-finance-apr-index/.
Download the CSV (51 rows, computed 2026-10-05)