# 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.

KnownVehicle · https://knownvehicle.com/datasets/uk-motor-finance-apr-index/ · computed 2026-10-05

**Median published figure:** 14.9 % (range 0 to 34.5 %; 39 sources with a figure; 39 of 58 sources read publish one).

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.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Go Car Credit IVA car finance](https://gocarcredit.co.uk/bad-credit-car-finance/iva/) | 34.5 % | car | 2026-09-12 |
| [Autodosh bike finance](https://autodosh.co.uk/bike-finance) | 24.9 % | motorbike | 2026-09-12 |
| [Autodosh bike finance](https://autodosh.co.uk/bike-finance) | 24.9 % | motorbike | 2026-09-12 |
| [Zable debt consolidation loans](https://zable.co.uk/loans/debt-consolidation) | 24.6 % | debt-consolidation | 2026-09-12 |
| [Moneybarn car finance](https://www.moneybarn.com/car-finance/) | 23.9 % | car | 2026-09-12 |
| [Creditplus classic car finance](https://www.creditplus.co.uk/vehicles-we-finance/classic-car-finance/) | 23.9 % | classic | 2026-09-12 |
| [MotoFinance online bike finance](https://www.motofinance.co.uk/online-bike-finance/) | 22.9 % | motorbike | 2026-09-12 |
| [MotoFinance online bike finance](https://www.motofinance.co.uk/online-bike-finance/) | 22.9 % | motorbike | 2026-09-12 |
| [Carplus PCP car finance](https://carplus.co.uk/car-finance/pcp/) | 21.9 % | hp | 2026-09-12 |
| [Car-Finance.co.uk PCP](https://car-finance.co.uk/pcp) | 21.9 % | pcp | 2026-09-12 |
| [Car-Finance.co.uk PCP](https://car-finance.co.uk/pcp) | 21.9 % | pcp | 2026-09-12 |
| [Match Me Car Finance motorbike finance](https://www.matchmecarfinance.co.uk/products/motorbike-finance) | 21.9 % | motorbike | 2026-09-12 |
| [Direct Bikes motorbike finance](https://www.scooter.co.uk/motorbike-finance) | 21.9 % | motorbike | 2026-09-12 |
| [ChooseMyCar young driver car finance](https://choosemycar.com/car-finance/young-drivers) | 21.9 % | car | 2026-09-12 |
| [ChooseMyCar young driver car finance](https://choosemycar.com/car-finance/young-drivers) | 21.4 % | car | 2026-09-12 |
| [Oodle Car Finance calculator](https://www.oodlecarfinance.com/calculators/car-finance-calculator) | 19.9 % | car | 2026-09-12 |
| [Oodle Car Finance calculator](https://www.oodlecarfinance.com/calculators/car-finance-calculator) | 19.9 % | car | 2026-09-12 |
| [Refused Car Finance guarantor car finance](https://www.refusedcarfinance.com/guarantor-car-finance/) | 19.9 % | car | 2026-09-12 |
| [CarFinance 247 bad credit car finance](https://www.carfinance247.co.uk/bad-credit-car-finance) | 19.5 % | car | 2026-09-12 |
| [Car Loan First caravan and motorhome finance](https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/) | 18 % | caravan-motorhome | 2026-09-12 |
| [Car Loan First caravan and motorhome finance](https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/) | 18 % | caravan-motorhome | 2026-09-12 |
| [CarMoney guarantor car finance](https://www.carmoney.co.uk/car-finance/guarantor-car-finance) | 17.4 % | car | 2026-09-12 |
| [CarMoney guarantor car finance](https://www.carmoney.co.uk/car-finance/guarantor-car-finance) | 17.4 % | car | 2026-09-12 |
| [Happy Motor Finance IVA car finance](https://www.happymotorfinance.co.uk/iva-car-finance/) | 16.9 % | car | 2026-09-12 |
| [autotrader.co.uk](https://www.autotrader.co.uk/cars/finance/calculator) | 16.8 % | car | 2026-09-12 |
| [Octane Finance bad credit car finance](https://www.octanefinance.co.uk/bad-credit-car-finance) | 15.4 % | car | 2026-09-12 |
| [Carmoola PCP](https://www.carmoola.co.uk/car-finance/personal-contract-purchase) | 14.9 % | pcp | 2026-09-12 |
| [Vizion Finance van finance](https://vizionfinance.co.uk/car-finance/van-finance) | 14.9 % | van | 2026-09-12 |
| [Vizion Finance van finance](https://vizionfinance.co.uk/car-finance/van-finance) | 14.9 % | van | 2026-09-12 |
| [Direct Car Credit bad credit](https://www.directcarcredit.co.uk/bad-credit/) | 12.9 % | car | 2026-09-12 |
| [Pegasus Caravan Finance motorhome finance](https://pegasuscaravanfinance.co.uk/motorhome-finance/) | 11.9 % | caravan-motorhome | 2026-09-12 |
| [Pegasus Finance classic car finance](https://www.pegasusfinance.co.uk/classic-car-finance/) | 11.9 % | classic | 2026-09-12 |
| [Ayan halal car finance](https://www.ayan.co.uk/) | 11.9 % | car | 2026-09-12 |
| [FlameTec Boilers finance](https://www.flametecboilers.co.uk/finance) | 11.9 % | home-improvement | 2026-09-12 |
| [FlameTec Boilers finance](https://www.flametecboilers.co.uk/finance) | 11.9 % | home-improvement | 2026-09-12 |
| [HSBC UK small business loan](https://www.business.hsbc.uk/en-gb/products/small-business-loan) | 11.3 % | business | 2026-09-12 |
| [HSBC UK small business loan](https://www.business.hsbc.uk/en-gb/products/small-business-loan) | 11.3 % | business | 2026-09-12 |
| [Bank of Scotland business loans](https://business.bankofscotland.co.uk/business-loans.html) | 11.2 % | business | 2026-09-11 |
| [JBR Capital classic car finance](https://jbrcapital.com/classic-car-finance/) | 10.9 % | classic-car | 2026-09-12 |
| [Anglo Scottish electric car finance](https://www.angloscottishfinance.co.uk/vehicle-finance/electric-car-finance/) | 8.9 % | car | 2026-09-12 |
| [Lloyds Bank home improvement loan](https://www.lloydsbank.com/loans/home-improvement-loan.html) | 7.4 % | home-improvement | 2026-09-12 |
| [Bank of Scotland home improvement loans](https://www.bankofscotland.co.uk/loans/home-improvement-loans.html) | 7.4 % | home-improvement | 2026-09-12 |
| [Bank of Scotland home improvement loans](https://www.bankofscotland.co.uk/loans/home-improvement-loans.html) | 7.4 % | home-improvement | 2026-09-12 |
| [Halifax debt consolidation loans](https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html) | 7.4 % | debt-consolidation | 2026-09-12 |
| [Halifax debt consolidation loans](https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html) | 7.4 % | debt-consolidation | 2026-09-12 |
| [Novuna Personal Finance car loans](https://www.novunapersonalfinance.co.uk/loans/car-loans/) | 6.9 % | car | 2026-09-12 |
| [Novuna Personal Finance caravan loans](https://www.novunapersonalfinance.co.uk/loans/caravan-loans/) | 6.9 % | caravan-motorhome | 2026-09-12 |
| [Tesco Bank car loan](https://www.tescobank.com/loans/car-loan/) | 6.4 % | car | 2026-09-12 |
| [Santander UK car loans](https://www.santander.co.uk/personal/loans/car-loans) | 6.4 % | car | 2026-09-12 |
| [Lloyds Bank car finance calculator](https://www.lloydsbank.com/car-finance/calculator.html) | 5.9 % | hp | 2026-09-12 |
| [Toyota UK Personal Contract Purchase](https://www.toyota.co.uk/personal-finance/personal-contract-purchase) | 0 % | pcp | 2026-09-12 |

## The sentence each figure was read from (51)

- [Go Car Credit IVA car finance](https://gocarcredit.co.uk/bad-credit-car-finance/iva/), read 2026-09-12: "Rates from 24% APR 34.5% Representative APR -"
- [Autodosh bike finance](https://autodosh.co.uk/bike-finance), read 2026-09-12: "Rates from 9.9% APR. Representative APR 24.9%."
- [Autodosh bike finance](https://autodosh.co.uk/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](https://zable.co.uk/loans/debt-consolidation), read 2026-09-12: "Rate of interest 19.6% p.a.(fixed). Representative 24.6% APR."
- [Moneybarn car finance](https://www.moneybarn.com/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](https://www.creditplus.co.uk/vehicles-we-finance/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](https://www.motofinance.co.uk/online-bike-finance/), read 2026-09-12: "Rates from 12.9% APR. Representative APR 22.9%"
- [MotoFinance online bike finance](https://www.motofinance.co.uk/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](https://carplus.co.uk/car-finance/pcp/), 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](https://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](https://car-finance.co.uk/pcp), read 2026-09-12: "Rates: from 9.9% APR (representative 21.9% APR)"
- [Match Me Car Finance motorbike finance](https://www.matchmecarfinance.co.uk/products/motorbike-finance), read 2026-09-12: "Rates from 9.9% APR. Representative APR 21.9%"
- [Direct Bikes motorbike finance](https://www.scooter.co.uk/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](https://choosemycar.com/car-finance/young-drivers), 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](https://choosemycar.com/car-finance/young-drivers), 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](https://www.oodlecarfinance.com/calculators/car-finance-calculator), read 2026-09-12: "Rates from 10.9% APR with an APR 19.9%"
- [Oodle Car Finance calculator](https://www.oodlecarfinance.com/calculators/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](https://www.refusedcarfinance.com/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](https://www.carfinance247.co.uk/bad-credit-car-finance), read 2026-09-12: "Rates from 8.9% APR. Representative 19.5% APR."
- [Car Loan First caravan and motorhome finance](https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/), read 2026-09-12: "Rates from 9% APR. Representative 18% APR."
- [Car Loan First caravan and motorhome finance](https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/), read 2026-09-12: "Representative Example £8,000.00 60 Months 18% APR £203 £4,189 £12,189"
- [CarMoney guarantor car finance](https://www.carmoney.co.uk/car-finance/guarantor-car-finance), read 2026-09-12: "Rates from 8.9% APR. Representative 17.4% APR."
- [CarMoney guarantor car finance](https://www.carmoney.co.uk/car-finance/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](https://www.happymotorfinance.co.uk/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](https://www.autotrader.co.uk/cars/finance/calculator), 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](https://www.octanefinance.co.uk/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](https://www.carmoola.co.uk/car-finance/personal-contract-purchase), 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](https://vizionfinance.co.uk/car-finance/van-finance), read 2026-09-12: "Rates from 8.9% APR. Representative APR 14.9%"
- [Vizion Finance van finance](https://vizionfinance.co.uk/car-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](https://www.directcarcredit.co.uk/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](https://pegasuscaravanfinance.co.uk/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](https://www.pegasusfinance.co.uk/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](https://www.ayan.co.uk/), read 2026-09-12: "Rates from 7.9% APR-equivalent. Representative 11.9% APR-equivalent."
- [FlameTec Boilers finance](https://www.flametecboilers.co.uk/finance), read 2026-09-12: "11.9% Representative example - 120 months"
- [FlameTec Boilers finance](https://www.flametecboilers.co.uk/finance), read 2026-09-12: "Monthly payments £26.14 APR 11.9%"
- [HSBC UK small business loan](https://www.business.hsbc.uk/en-gb/products/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](https://www.business.hsbc.uk/en-gb/products/small-business-loan), read 2026-09-12: "*Annual Percentage Rate Representative (APR Representative) 11.3% APR representative (fixed)"
- [Bank of Scotland business loans](https://business.bankofscotland.co.uk/business-loans.html), read 2026-09-11: "Fixed Rate 11.2% APR representative* on loans from £1,000 to £50,000"
- [JBR Capital classic car finance](https://jbrcapital.com/classic-car-finance/), read 2026-09-12: "RATES FROM 9.9% APR. REPRESENTATIVE APR 10.9%"
- [Anglo Scottish electric car finance](https://www.angloscottishfinance.co.uk/vehicle-finance/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](https://www.lloydsbank.com/loans/home-improvement-loan.html), 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](https://www.bankofscotland.co.uk/loans/home-improvement-loans.html), read 2026-09-12: "Representative 7.4% APR, annual interest rate (fixed) 7.16%."
- [Bank of Scotland home improvement loans](https://www.bankofscotland.co.uk/loans/home-improvement-loans.html), 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](https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html), read 2026-09-12: "Representative 7.4% APR, annual interest rate (fixed) 7.16%."
- [Halifax debt consolidation loans](https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html), 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](https://www.novunapersonalfinance.co.uk/loans/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](https://www.novunapersonalfinance.co.uk/loans/caravan-loans/), read 2026-09-12: "Competitive rates from 6.9% APR Representative (£7,500-£25,000)"
- [Tesco Bank car loan](https://www.tescobank.com/loans/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](https://www.santander.co.uk/personal/loans/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](https://www.lloydsbank.com/car-finance/calculator.html), read 2026-09-12: "Representative 5.9% APR, annual interest rate (fixed) 5.71%."
- [Toyota UK Personal Contract Purchase](https://www.toyota.co.uk/personal-finance/personal-contract-purchase), read 2026-09-12: "0% APR Representative over 24 months*"

## Read in full, publishes no figure

- [Black Horse Personal Contract Purchase](https://www.blackhorse.co.uk/car/personalcontractpurchase.html), read 2026-09-12: every candidate on the page was refused
- [Moneybarn car finance calculator](https://www.moneybarn.com/car-finance/calculator/), read 2026-09-12: every candidate on the page was refused
- [CarFinance 247 motorbike finance](https://www.carfinance247.co.uk/motorbike-finance), read 2026-09-12: every candidate on the page was refused
- [Lloyds Bank business van finance](https://www.lloydsbank.com/business/asset-finance/business-van-finance.html), read 2026-09-12: every candidate on the page was refused
- [HSBC UK home improvement loan](https://www.hsbc.co.uk/loans/products/home-improvements/), read 2026-09-12: every candidate on the page was refused
- [HSBC UK debt consolidation loan](https://www.hsbc.co.uk/loans/products/debt-consolidation/), read 2026-09-12: every candidate on the page was refused
- [TSB home improvement loan](https://www.tsb.co.uk/personal-loans/home-improvements.html), read 2026-09-12: every candidate on the page was refused
- [Nationwide car loans](https://www.nationwide.co.uk/loans/car-loans), read 2026-09-12: every candidate on the page was refused
- [Nationwide personal loan rates](https://www.nationwide.co.uk/loans/loan-rates), read 2026-09-12: every candidate on the page was refused
- [NatWest car loans](https://www.natwest.com/loans/car-loans.html), read 2026-09-12: every candidate on the page was refused
- [Ocean Finance secured loans](https://www.oceanfinance.co.uk/loans/secured-loans/), read 2026-09-12: every candidate on the page was refused
- [iwoca vehicle asset finance](https://www.iwoca.co.uk/asset-finance/vehicle-asset-finance), read 2026-09-12: every candidate on the page was refused
- [Volkswagen UK finance guide](https://www.volkswagen.co.uk/en/finance-offers-and-fleet/personal-offers-and-finance/guide.html), read 2026-09-12: every candidate on the page was refused
- [Kia UK PCP offers](https://www.kia.com/uk/new-cars/offers/retail/pcp/), read 2026-09-12: every candidate on the page was refused
- [Volvo Car UK offers](https://www.volvocars.com/uk/promotions/), read 2026-09-12: every candidate on the page was refused
- [Auto Finance Online caravan finance](https://www.autofinanceonline.co.uk/caravan-finance/), read 2026-09-12: every candidate on the page was refused
- [Heatable boilers on finance](https://heatable.co.uk/boiler-advice/boilers-on-finance), read 2026-09-12: every candidate on the page was refused
- [Quick Car Finance UK lender directory](https://www.quickcarfinance.co.uk/lenders), 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

## Sources

- [Tesco Bank car loan](https://www.tescobank.com/loans/car-loan/) (the publisher's own terms; quoted for reporting and comment)
- [Carmoola PCP](https://www.carmoola.co.uk/car-finance/personal-contract-purchase) (the publisher's own terms; quoted for reporting and comment)
- [Black Horse Personal Contract Purchase](https://www.blackhorse.co.uk/car/personalcontractpurchase.html) (the publisher's own terms; quoted for reporting and comment)
- [Santander UK car loans](https://www.santander.co.uk/personal/loans/car-loans) (the publisher's own terms; quoted for reporting and comment)
- [Moneybarn car finance](https://www.moneybarn.com/car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Moneybarn car finance calculator](https://www.moneybarn.com/car-finance/calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Oodle Car Finance calculator](https://www.oodlecarfinance.com/calculators/car-finance-calculator) (the publisher's own terms; quoted for reporting and comment)
- [CarFinance 247 bad credit car finance](https://www.carfinance247.co.uk/bad-credit-car-finance) (the publisher's own terms; quoted for reporting and comment)
- [CarFinance 247 motorbike finance](https://www.carfinance247.co.uk/motorbike-finance) (the publisher's own terms; quoted for reporting and comment)
- [Go Car Credit IVA car finance](https://gocarcredit.co.uk/bad-credit-car-finance/iva/) (the publisher's own terms; quoted for reporting and comment)
- [Octane Finance bad credit car finance](https://www.octanefinance.co.uk/bad-credit-car-finance) (the publisher's own terms; quoted for reporting and comment)
- [Vizion Finance van finance](https://vizionfinance.co.uk/car-finance/van-finance) (the publisher's own terms; quoted for reporting and comment)
- [Direct Car Credit bad credit](https://www.directcarcredit.co.uk/bad-credit/) (the publisher's own terms; quoted for reporting and comment)
- [Carplus PCP car finance](https://carplus.co.uk/car-finance/pcp/) (the publisher's own terms; quoted for reporting and comment)
- [Car-Finance.co.uk PCP](https://car-finance.co.uk/pcp) (the publisher's own terms; quoted for reporting and comment)
- [CarMoney guarantor car finance](https://www.carmoney.co.uk/car-finance/guarantor-car-finance) (the publisher's own terms; quoted for reporting and comment)
- [Creditplus classic car finance](https://www.creditplus.co.uk/vehicles-we-finance/classic-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Lloyds Bank car finance calculator](https://www.lloydsbank.com/car-finance/calculator.html) (the publisher's own terms; quoted for reporting and comment)
- [Lloyds Bank home improvement loan](https://www.lloydsbank.com/loans/home-improvement-loan.html) (the publisher's own terms; quoted for reporting and comment)
- [Lloyds Bank business van finance](https://www.lloydsbank.com/business/asset-finance/business-van-finance.html) (the publisher's own terms; quoted for reporting and comment)
- [Bank of Scotland home improvement loans](https://www.bankofscotland.co.uk/loans/home-improvement-loans.html) (the publisher's own terms; quoted for reporting and comment)
- [Halifax debt consolidation loans](https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html) (the publisher's own terms; quoted for reporting and comment)
- [HSBC UK home improvement loan](https://www.hsbc.co.uk/loans/products/home-improvements/) (the publisher's own terms; quoted for reporting and comment)
- [HSBC UK debt consolidation loan](https://www.hsbc.co.uk/loans/products/debt-consolidation/) (the publisher's own terms; quoted for reporting and comment)
- [TSB home improvement loan](https://www.tsb.co.uk/personal-loans/home-improvements.html) (the publisher's own terms; quoted for reporting and comment)
- [Nationwide car loans](https://www.nationwide.co.uk/loans/car-loans) (the publisher's own terms; quoted for reporting and comment)
- [Nationwide personal loan rates](https://www.nationwide.co.uk/loans/loan-rates) (the publisher's own terms; quoted for reporting and comment)
- [NatWest car loans](https://www.natwest.com/loans/car-loans.html) (the publisher's own terms; quoted for reporting and comment)
- [Novuna Personal Finance car loans](https://www.novunapersonalfinance.co.uk/loans/car-loans/) (the publisher's own terms; quoted for reporting and comment)
- [Novuna Personal Finance caravan loans](https://www.novunapersonalfinance.co.uk/loans/caravan-loans/) (the publisher's own terms; quoted for reporting and comment)
- [Zable debt consolidation loans](https://zable.co.uk/loans/debt-consolidation) (the publisher's own terms; quoted for reporting and comment)
- [Ocean Finance secured loans](https://www.oceanfinance.co.uk/loans/secured-loans/) (the publisher's own terms; quoted for reporting and comment)
- [HSBC UK small business loan](https://www.business.hsbc.uk/en-gb/products/small-business-loan) (the publisher's own terms; quoted for reporting and comment)
- [Bank of Scotland business loans](https://business.bankofscotland.co.uk/business-loans.html) (the publisher's own terms; quoted for reporting and comment)
- [iwoca vehicle asset finance](https://www.iwoca.co.uk/asset-finance/vehicle-asset-finance) (the publisher's own terms; quoted for reporting and comment)
- [Volkswagen UK finance guide](https://www.volkswagen.co.uk/en/finance-offers-and-fleet/personal-offers-and-finance/guide.html) (the publisher's own terms; quoted for reporting and comment)
- [Toyota UK Personal Contract Purchase](https://www.toyota.co.uk/personal-finance/personal-contract-purchase) (the publisher's own terms; quoted for reporting and comment)
- [Kia UK PCP offers](https://www.kia.com/uk/new-cars/offers/retail/pcp/) (the publisher's own terms; quoted for reporting and comment)
- [Volvo Car UK offers](https://www.volvocars.com/uk/promotions/) (the publisher's own terms; quoted for reporting and comment)
- [Happy Motor Finance IVA car finance](https://www.happymotorfinance.co.uk/iva-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Match Me Car Finance motorbike finance](https://www.matchmecarfinance.co.uk/products/motorbike-finance) (the publisher's own terms; quoted for reporting and comment)
- [MotoFinance online bike finance](https://www.motofinance.co.uk/online-bike-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Autodosh bike finance](https://autodosh.co.uk/bike-finance) (the publisher's own terms; quoted for reporting and comment)
- [Direct Bikes motorbike finance](https://www.scooter.co.uk/motorbike-finance) (the publisher's own terms; quoted for reporting and comment)
- [Anglo Scottish electric car finance](https://www.angloscottishfinance.co.uk/vehicle-finance/electric-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Auto Finance Online caravan finance](https://www.autofinanceonline.co.uk/caravan-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Pegasus Caravan Finance motorhome finance](https://pegasuscaravanfinance.co.uk/motorhome-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Pegasus Finance classic car finance](https://www.pegasusfinance.co.uk/classic-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [JBR Capital classic car finance](https://jbrcapital.com/classic-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Ayan halal car finance](https://www.ayan.co.uk/) (the publisher's own terms; quoted for reporting and comment)
- [Car Loan First caravan and motorhome finance](https://carloanfirst.co.uk/types-of-vehicle-finance/caravan-motorhome-finance/) (the publisher's own terms; quoted for reporting and comment)
- [Refused Car Finance guarantor car finance](https://www.refusedcarfinance.com/guarantor-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [ChooseMyCar young driver car finance](https://choosemycar.com/car-finance/young-drivers) (the publisher's own terms; quoted for reporting and comment)
- [Heatable boilers on finance](https://heatable.co.uk/boiler-advice/boilers-on-finance) (the publisher's own terms; quoted for reporting and comment)
- [FlameTec Boilers finance](https://www.flametecboilers.co.uk/finance) (the publisher's own terms; quoted for reporting and comment)
- [Auto Trader car finance calculator](https://www.autotrader.co.uk/cars/finance/calculator) (the publisher's own terms; quoted for reporting and comment)
- [Zopa PCP car finance](https://www.zopa.com/car-finance/pcp) (the publisher's own terms; quoted for reporting and comment)
- [Zuto used car finance](https://www.zuto.com/used-car-finance/) (the publisher's own terms; quoted for reporting and comment)
- [MotoNovo Finance Personal Contract Purchase](https://customer.motonovofinance.com/our-finance-products/motor-finance/personal-contract-purchase) (the publisher's own terms; quoted for reporting and comment)
- [Quick Car Finance UK lender directory](https://www.quickcarfinance.co.uk/lenders) (the publisher's own terms; quoted for reporting and comment)
- [register.fca.org.uk](https://register.fca.org.uk/s/) (the publisher's own terms; quoted for reporting and comment)
- [autotrader.co.uk](https://www.autotrader.co.uk/cars/finance/calculator) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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/.

CSV: https://knownvehicle.com/datasets/uk-motor-finance-apr-index.csv
JSON: https://knownvehicle.com/datasets/uk-motor-finance-apr-index.json
Embed (plain HTML, static link back): see https://knownvehicle.com/datasets/uk-motor-finance-apr-index/#median