Values In Motion:
The Ayan Journal.

Navigating the intersection of ethical finance and smart driving. Your guide to success on and off the road.
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Best Hybrid Cars in the UK (2025 Buyer’s Guide)

Hybrid cars have surged in popularity across the UK, and for good reason. As fuel prices fluctuate and ULEZ zones expand, hybrids offer a perfect middle ground between petrol convenience and electric efficiency.

September 30, 2025

Best Uber Executive Cars in the UK (2025 List & Guide for Drivers)

Looking to qualify for Uber Exec? Choosing the right vehicle is key. Only a select list of high-spec, premium vehicles will qualify.

September 29, 2025

Best Uber Comfort Vehicles in 2025

Uber Comfort is a higher‑tier ride option that gives passengers extra legroom, newer, mid‑sized cars, and a more pleasant experience. For drivers, offering Uber Comfort can mean higher fares and better ratings, but only if your vehicle fits the criteria.

September 19, 2025

How to Pass The TfL Topographical Skills Test (2026 Guide)

Passing the TfL Topographical Skills Test is a crucial step if you're applying to become a PHV (Private Hire Vehicle) driver in London. Without it, you can’t get your PCO licence, which means no Uber, Bolt, or other ride-hailing work in the capital.

September 13, 2025

How to Get More Rides on Uber in 2025

Driving for Uber in 2025? Want more trip requests, better ratings, and higher weekly earnings? This guide gives you 9 proven ways to get more rides on Uber - especially in London - without working more hours.

August 16, 2025

9 Ways to Improve Your Uber Driver Rating in 2025

A high rating helps you get more rides, better tips, and long-term account security. This guide gives you 9 practical tips to improve your Uber rating and earn more 5-star reviews from UK passengers.

August 6, 2025

UberX vs Uber XL vs Uber Exec: Which Pays More in 2025?

Curious which Uber service pays the most in 2025? This detailed earnings breakdown compares UberX, Uber XL, and Uber Exec in London - including average fares, expenses, and which option works best with halal car finance.

July 22, 2025

Best Cars for Uber XL in 2025 - Top 5, 7-Seaters for PCO Drivers

Thinking of driving Uber XL in 2025? Here's a breakdown of the best 7-seater cars for private hire work in London, including fuel economy, comfort, PCO approval, and affordability - all with halal finance options, of course.

July 14, 2025

Black Cab vs Uber Driver: Which Career Offers Better Pay, Flexibility & Job Security in the UK?

If you’re thinking about becoming your own boss and hitting the road, you’ve probably considered either becoming a Black Cab driver or joining the Uber driver club. But which one really comes out on top in terms of pay, flexibility, and job security.

June 5, 2025

How to Save Money as a PCO Driver in London: 8 Smart Hacks for 2025

Whether you’re new to the game or an Uber veteran, here are 8 money-saving hacks every PCO driver in London should know. Your bank account will thank you. Probably in emojis.

May 21, 2025

Essentials Every Uber Driver Needs in 2025

You’re about to embark on a career filled with new faces, endless journeys, and occasional arguments with your sat-nav. But before you even think about picking up your first passenger, there are 3 essentials you must sort out...

April 30, 2025

Maximising Your Earnings: Peak Hours and Hotspots in London for PCO Drivers (2025 Edition)

Whether you’re chauffeuring city slickers through Chelsea or ferrying tourists from Tower Bridge to The Shard, one thing’s for sure: you want to make the most of every shift.

April 24, 2025

Top Considerations for Private Hire Drivers When Choosing a Vehicle

Our team has helped hundreds of drivers finance the right wheels for their work. So, buckle up. Let’s help you make the smartest vehicle decision of your career, without the boring car salesman pattern.

April 16, 2025

Top 10 Cars for Uber Drivers in 2025

So, you’ve decided to become an Uber driver in 2025. Whether it’s to escape your boring 9-to-5, get to choose your own hours, or just to be able to drive around all day and call it work, you need the right car for the job. But which one? Well, my ride-sharing hero, luckily for you, we’ve compiled the ultimate list of the best cars you should use for Uber in 2025. Buckle up!

March 27, 2025

What’s The Best Car For Uber Drivers In 2025, EVs Or PHEVs?

The eternal debate of our time—EVs (electric vehicles) versus PHEVs (plug-in hybrid electric vehicles).

March 10, 2025

How to Become a PCO Driver in 2025

Thinking of becoming a PCO driver in 2025? Whether you're looking for a flexible side hustle or a full-time gig, navigating the licensing process can feel overwhelming. But don’t worry—as always, Ayan’s got you covered.

February 13, 2025

Best Eats for PCO Drivers

Imagine this, you’ve had a long day of zooming around London. You’re feeling peckish, but you need to remain in the hotspots to make sure you don’t miss out on all those potential rides. Have no fear, your friends at Ayan are here.

January 23, 2025

Top PCO-eligible cars for London – why picking the right vehicle matters

Discover the top PCO-eligible cars for London from the Tesla Model 3 to the Toyota Prius. Learn how choosing the right vehicle impacts compliance, profitability, and customer satisfaction. Explore cost-effective, eco-friendly, and luxurious options tailored to PCO drivers.

December 19, 2024

Earn £100 with the Ayan Referral Program: Share Halal Car Finance & PCO Hire Benefits

Join the Ayan Referral Program and earn £100 for every successful referral! Share our halal car finance and PCO hire options with friends and family, and both you and your referee will be rewarded.

December 5, 2024

EV vs PHEV: which is best for you as an Uber driver in London?

Uncover the key differences between fully electric vehicle and a plug-in hybrid, from cost and range to convenience and regulations. Find out which option fits your driving style and future-proofs your career in London’s fast-evolving private hire market.

November 28, 2024

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

Building a Halal Alternative: The Core Principles Behind Ayan’s Car Finance

In this blog, we want to briefly walk through the core tenets that shape Ayan’s offering, the principles we follow, and the areas we are still actively working to improve.

November 20, 2025

How to SORN Your Car in the UK: Declare a Car Off the Road the Right Way

In this guide, we explain how to SORN your car, what documents you need, where to do it, and what happens once it’s done. Whether you’re storing a project car, no longer driving, or just trying to save on costs, this step-by-step guide covers everything you need to know.

November 18, 2025
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Winter Driving Tips Every UK Driver Should Know

This guide covers the most important winter driving tips for UK motorists in 2025, including how to prepare your car, drive safely in low temperatures, and what emergency items to keep in your boot. Whether you're a daily commuter or PCO driver, staying ahead of winter hazards starts here.

November 17, 2025

What Oil Goes in My Car? (UK Guide to Engine Oil Types)

Choosing the correct engine oil for your car isn't just about topping up the levels, it’s vital for keeping your engine running smoothly, reducing wear and tear, and maximising fuel efficiency.

November 5, 2025

How to Jump Start a Car in 8 Steps

In this guide, we’ll break down how to jump start a car, what tools you need, what to watch out for, and when to call for professional help. Whether you're a first-time driver or an experienced PCO driver, this step-by-step walkthrough is your go-to guide.

November 1, 2025

How Much Is Your Car Worth?

In this guide, we’ll explore how car values are determined, what tools you can use to get an accurate estimate, how to maximise your resale price, and common mistakes to avoid when checking your car’s worth.

November 1, 2025

Top 10 Cheapest New Cars in the UK

We pull together the top 10 cheapest new cars on sale in the UK for 2025, with key specs and value‑for‑money insights.

October 30, 2025

How to Transfer Car Ownership in the UK

Whether you’re selling privately, gifting a car, or transferring it within a family, ensuring that the DVLA has the right owner registered helps avoid fines, speeding tickets, and other legal complications.

October 30, 2025

Interest-free Car Finance vs 0% APR: What’s the Difference and Why It Matters

In this guide, we’ll explain what interest-free car finance really means, how it differs from a typical 0% APR deal, and why the method — not just the outcome — is key in Islamic finance.

October 29, 2025

Ayan Capital secures FCA credit license and launches tech-driven Islamic consumer finance

Regulatory approval positions Ayan Capital to expand Shariah-compliant finance solutions to the retail market

October 28, 2025

How Many Points Do I Have on My Licence, and How Long Do They Stay? (2025 Guide for UK Drivers)

In this updated 2025 guide, we’ll explain everything you need to know about penalty points on your driving licence in the UK, including the types of offences that lead to points, how to check your licence online, and how long penalty points stay on your record.

October 23, 2025

Is It Better to Lease or Buy a Car in the UK? (2025 Comparison Guide)

Choosing between leasing or buying a car can be a tough decision. Both options have advantages. If you’ve ever found yourself wondering, “Is it better to lease or buy a car?”, this guide breaks down the pros and cons in detail.

October 23, 2025

PIP Mobility Car Rules 2025: Everything You Need to Know About Eligibility, Usage & Restrictions

Many people receiving Personal Independence Payment (PIP) in the UK don’t realise that they may qualify for a vehicle under the Motability Scheme. However, the scheme comes with its own set of rules, restrictions, and eligibility criteria.

October 11, 2025

Should You Buy a Category N Car in the UK?

When looking for a bargain on the used car market, it’s easy to come across Category N cars. They’re usually cheaper than similar models, but that lower price often raises the question: Is it worth the risk?

October 10, 2025

What Is a Category S Car? (2025 UK Buyer’s Guide to Cat S Cars)

If you’ve ever browsed used car listings and spotted a vehicle marked as “Cat S,” you may have wondered what that means, and whether it’s a smart choice for your next car.

October 8, 2025

How to Voluntarily Terminate Your Car Finance Agreement in the UK (2025 Guide)

If your financial circumstances have changed or you simply no longer need your vehicle, you may be wondering whether you can end your car finance agreement early In the UK, that’s where Voluntary Termination (VT) comes in.

October 3, 2025

Voluntary Termination (VT) of Car Finance in the UK (2025 Guide)

When life changes, whether due to a job shift, financial pressure, or simply no longer needing a car, you might find yourself asking, "Can I just hand my car back?" The answer may be yes, thanks to something called Voluntary Termination.

October 3, 2025

How to Sell A Car in the UK (2025 Guide to Selling Fast and Getting the Best Price)

Selling your car can feel overwhelming, especially with so many platforms, paperwork requirements, and pricing pitfalls to consider.

October 1, 2025

Is My Car Taxed in the UK? (2025 Guide to Check and Understand Road Tax)

Whether you’re a new driver, recently bought a used vehicle, or just unsure about your renewal date, it's crucial to know whether your car is taxed. Driving without tax can result in fines, clamping, and penalty points.

September 29, 2025

Manchester Airport Drop‑Off Fees, Locations & Tips 2025

Dropping someone off at Manchester Airport? Whether you’re a private driver, taxi/PHV, or just giving friends or family a lift, the charges and rules have changed recently. Miss the details, and you could face fines or unexpected costs.

September 27, 2025

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

10 Things to Look for When Buying Pre-owned Cars in 2025

Buying a pre-owned car can be a smart financial decision, especially in 2025, where the used car market remains strong due to rising costs of new vehicles and demand for budget-friendly options. However, it’s easy to fall into costly traps without knowing what to look for.

September 10, 2025

What’s the Difference Between HP and PCP?

Choosing the right car finance can be tricky, especially when faced with jargon like HP and PCP. These are two of the most common car finance methods in the UK, but they work in very different ways and can have long-term implications on ownership, costs, and flexibility.

September 9, 2025

How to Get a UK Driving Licence (2025 Guide)

Getting your UK driving licence is an important milestone, whether you’re a first-time driver, new to the country, or upgrading a foreign licence. The process can feel confusing, but with the right information, it’s straightforward and achievable.

September 8, 2025

How to Pay the Heathrow Airport Drop-off Charge in 2025

With the recent fee increase and tighter enforcement around Terminals 2, 3, 4, and 5, knowing how to pay, and avoid being fined, is essential for any driver visiting the UK’s busiest airport.

August 26, 2025

How to Pay the Gatwick Airport Drop-off Charge in 2025

Dropping someone off at Gatwick Airport? You might already know there’s a charge, but in 2025, it’s more important than ever to know where, how, and when to pay it.

August 16, 2025

Halal Car Finance UK: Everything You Need to Know in 2025

Thinking about car finance but allergic to interest? Or just tired of financial jargon that makes your brain feel like it’s stuck in traffic on the M25? You’ve come to the right place.

June 25, 2025

6 Ways to Build Your Credit Score the Halal Way: Tips for UK Drivers in 2025

Credit scores can either open doors or slam them in your face. Now, here’s the twist: you want to build your credit score the Halal way: no interest, no gambling, no financial funny business. Sounds impossible? It’s not.

May 7, 2025

Ayan Capital Raises £2.8 Million equity to Expand Islamic Fintech Solutions in the UK

Ayan Capital raises £2.8M to expand halal car finance and Islamic fintech solutions in the UK, aiming to disrupt traditional lending and build an Islamic neobank.

December 11, 2024

Understanding Islamic Car Finance: Murabaha vs. Ijara wa Iqtina

Explore the key principles of Islamic car finance, including Murabaha and Ijara wa Iqtina. Learn how these Sharia-compliant methods offer interest-free vehicle financing while adhering to Islamic ethical guidelines.

September 23, 2024
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