Car Finance Guides
Plain-English guides to car loans, vehicle finance, and refinancing in Jersey and Guernsey. Find out what options are available and how to get the best rate.
Bad Credit Car Finance in Jersey: What Lenders Look At
A poor credit history does not rule out car finance, but it changes the price and the terms. What lenders check, what helps, and how to avoid paying far more than you need to.
Car Finance for New Arrivals in Jersey: What to Do First
If you have just moved to Jersey with a car, or are about to buy one, the order of steps matters. Residential status, the car's import costs and the finance already on it all come first.
Mis-Sold Car Finance in Jersey: How to Complain Through CIFO
The UK car finance redress scheme does not reach the islands. Here is the route that does: your complaint to the lender, the three-month wait, and the Channel Islands Financial Ombudsman.
Electric Car Finance in Jersey: What Changes and What Doesn't
A fully electric car pays no Vehicle Emissions Duty in Jersey, which changes the sums. The finance itself works the same way. Here is what to check before you sign.
Jersey's New Consumer Credit Law: What It Means for Car Finance
Jersey is bringing hire purchase and car finance under regulation for the first time. What the law covers, what is still unknown, and what to ask for before you sign.
10 Ways to Lower the Interest on a Car Loan in Jersey
Most car loan costs come from choices made before you sign: the term, the deposit, the emissions band and the type of rate. Ten ways to pay less, with worked figures.
Van Finance in Jersey: Funding a Commercial Vehicle
Hire purchase, leasing or a loan for your next van, plus the Jersey costs — emissions duty and GST — that belong in the figure before you ask a funder.
Refinancing Car Finance in Jersey: When It Pays Off
A step-by-step way to test whether replacing your car finance saves money, which agreements can be switched, and how Jersey's new consumer credit rules affect it.
Motorbike Finance in Jersey: Rates, Terms and Rules
Hire purchase or a personal loan for a motorcycle, moped or scooter in Jersey — plus the licence, CBT and emissions duty costs to budget for before you borrow.
Car Finance in Jersey: How Local Lending Works
Hire purchase, PCP or a personal loan: how each works for a car bought in Jersey, the island duties to budget for, and the numbers to compare before you sign.
Bike Loans in Jersey: Financing a Motorcycle or Scooter
Hire purchase or a personal loan, the island costs to budget for on top of the bike, and how to compare finance quotes for a motorcycle or scooter in Jersey.
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