A lower instalment can hide a larger final decision
How a balloon payment changes monthly affordability, total repayment and your options at the end of a vehicle finance term.
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The affordability desk
Plain-language notes on balloon payments, living-cost declarations, variable income and the questions worth asking before accepting a vehicle finance agreement.
These articles are general information. They do not replace advice based on your records or the terms of a specific credit agreement.
The household costs that disappear from rushed applications
A grounded way to record groceries, transport, dependants, insurance and irregular costs without understating the month.
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Commission, overtime and variable income: show the pattern
Why one strong payslip is not a reliable vehicle budget, and how to present fluctuating income more carefully.
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