Values In Motion:
The Ayan Journal.

Navigating the intersection of ethical finance and smart driving. Your guide to success on and off the road.
Personal
Business

Your Step-by-Step guide on how to become a private hire driver in London

Discover everything you need to know about becoming a Private Hire Driver in London: from licensing and medical exams to language tests and vehicle financing. Get tips, insights, and support to navigate TfL requirements and start your journey today.

November 20, 2024

Will Clearpay Help Build Your Credit Score in the UK?

Buy Now, Pay Later (BNPL) services like Clearpay have exploded in popularity across the UK. But while more people are using Clearpay, a big question remains: Does Clearpay help build your credit score?

September 26, 2025

What Credit Score Do You Need for Car Finance in the UK?

Your credit score plays a big role in whether you can get approved for car finance, and what kind of deal you get. Lenders use your credit profile to assess risk. But how good does your credit score need to be? Can you still get approved with poor credit?

September 25, 2025

Best Car Air Fresheners in the UK (2025 Picks)

A fresh-smelling car isn’t just about comfort, it’s about creating a professional atmosphere, especially if you’re a PCO or private hire driver.

September 22, 2025

Is It Worth Buying an Imported Car in the UK?

Imported cars often come with unique styling, better specs, and sometimes lower prices… but are they actually worth it? Imported cars also risk higher insurance costs, expensive repairs, and complicated paperwork.

September 19, 2025

Can You Get a Car Financed Without Proof of Income?

Getting approved for car finance usually means providing proof of income, like payslips, bank statements, or tax documents. But what if you're self-employed, freelancing, or between jobs? Can you still get approved without traditional income documentation?

September 17, 2025

Is PCP Halal or Not? Understanding Islamic Car Financing

If you’re a Muslim considering car finance in the UK, you’ve probably come across PCP (Personal Contract Purchase). But the big question is: Is PCP Halal or Haram?

September 16, 2025

Can You Sell a Car on Finance?

Thinking about selling your car but still have finance remaining? You're not alone. Many drivers find themselves in this position, unsure of the legal and financial implications of selling a car that's still under a finance agreement.

September 15, 2025

How Does a Guarantor Work for Car Finance in the UK? (2026 Guide)

Getting approved for car finance in the UK isn’t always easy, especially if you have limited credit history, a low income, or bad credit. That’s where a guarantor can help. A guarantor acts as a financial safety net for lenders, making it easier for people to secure a car finance deal.

September 14, 2025

10 Tips to Reduce Car Insurance as a New Driver in 2026

Getting insured as a new driver in the UK can be expensive. Premiums for first-time drivers, especially under the age of 25, are typically the highest in the market. In fact, according to recent data, the average premium for a 17–20 year old can exceed £1,800 annually.

September 12, 2025

10 Cheapest Cars for New Drivers to Insure in 2026

Buying your first car is exciting, but if you're a new driver in the UK, the cost of car insurance can be a serious shock. According to recent reports, drivers aged 17 to 24 see insurance as a bigger hurdle than the car itself.

September 11, 2025
car wrapped in the gold gift ефзу
Got questions? Message us on WhatsApp