STARTING TO GET a bit sick of your car’s old ‘quirks’? Once you realise that you’re probably due an upgrade, then comes the fun part – picking out your new car. Is it time to get Android Auto/Apple CarPlay? Keyless entry? Heated seats for frosty mornings?

What inevitably follows may not be fun – the question of ‘how will I pay for it?’ It’s hard enough to settle on a price range, finding a payment set-up that is likely to suit you for the next five years can be even more daunting.

Though a third of us tend to choose PCP, recent studies suggest that we don’t fully understand how it works. So, how does your experience buying a car relate to other drivers?

Firstly, let’s have a look at your experiences before you step into a showroom… Do you tend to spend a few weeks researching the car you’d love? Or a few months saving? Maybe price is the biggest factor in your choice. Use our slider ratings to share.

Once you’ve gone through the lengthy process of choosing a car that you love, it’s time to find a payment plan that you can actually commit to. As each bring both pros and cons, it can be tough to navigate. So, how do you tend to figure it out? Tell us below.

One of the newest payment options, PCP can seem on the surface like an attractive option for car buyers, but many don’t realise that it comes with a number of pretty specific conditions and agreements. Do you know enough about PCP to ensure that you make the best possible payment option for the car you can afford? Let us know below.

Think you know enough about your rights when it comes to buying a car? If you think it’s tricky business, you’re not alone. Make sure you’re fully up to speed on what you’re entitled to by visiting the Competition and Consumer Protection Commission’s car finance section before the next time you buy a new car.